You can’t deny the truth that having poor credit means ultimate depression in your life. Life is tougher when your credit score is low. From denial of a loan to fewer job opportunities, you have to suffer badly because of the credit. We understand and value your sleepless nights, anxiety, feelings of helplessness due to credit problems.
But here is some good news for you. Poor credit doesn’t mean lifetime suffering or lifetime same condition. You can increase your credit scores by fixing it properly. But for this, you need to have a proper plan. Believe us, we the Great American Credit Repair a proper plan can put an end to your stress.
What are the Reasons of Stress
People feel stressed when they face some problems because of their poor credit. Problems are:
- Loan denial
- Higher interest rates
- Lower credit limits
- Unknown information on the credit report
- Pressure from debt collectors if the account is in collections
- Letters and continuous phone calls from lenders
- Legal notice for repayment
- Need to pay a big amount as an installment, but have no repayment capacity
- Less availability of good rental houses
Make Plans, Change Everything
Nothing is better than doing a task according to plans. If you have a good plan, then you will definitely succeed. Here is a smart plan to improve your credit.
1. Review Your Credit Report
Download a free copy of your credit report from three major credit bureaus: Experian, Equifax, and TransUnion at AnnualCreditReport.com. Check the full report properly.
2. Identify & Dispute Inaccuracies
Identify the inaccuracies in your report, including outdated balances, duplicate accounts, wrong information, accounts in collections, or any other items that don’t belong to you. If you find any, dispute them with the three major credit bureaus.
3. Maintain Timely Payment
Payment history is responsible for 35% of the credit score. A single missed payment can destroy your credit score. So, don’t forget to pay on time. You can set a reminder on your phone or start an auto payment option.
4. Build Positive Credit Habits
Maintaining is tougher than gaining. No matter how much you increase your credit score, if you don’t maintain your credit properly, it will take no time to get worse. So build positive credit habits in you, like-
- Timely payment
- Use a secured credit card
- Use less than 30% of available credit
- Pay off a bigger amount first
- Keep open older accounts
Hire Great American Credit Repair if Necessary
Fixing credit and planning for it can be confusing, especially when you are disappointed with your poor credit. Rebuilding or boosting your score can feel like a hassle if you do it by yourself. You might be lost in the middle of the credit rebuilding process. In this situation, feel free to hire an expert who can boost your credit score by following all the processes with laws and regulations.
Whether you live in Florida, New Jersey, California, Pennsylvania, or Virginia, an experienced team from Great American Credit Repair will guide you in completing the credit rebuilding process with legal activities. Great American Credit Repair has been helping people fix their credit since 2008.
So, make a plan, and enjoy your credit.