You want to clean up your credit report? Hey, my name’s Justin and I want to share a few things I learned about cleaning up your credit report.

I’ve got some great tips to help you clean up your credit report as I’ve been there myself.

I had what you might say a disgusting credit  report. I’m the first one to admit I got into some bad habit and had to truly fight my way out. But, I came out the other side and you can too. If I can do it in the state I was in then you can too - with these tips…

The first thing you can do is get your credit report and then methodically go through each step to clean your report:

1. Get your credit report
Go here to get your report, it includes all 3 of the top agencies in America, see you need to get all three as each on will be different.

2. Look for errors
Do you know that 90% of Credit Reports have errors? That’s right, if it’s not a credit report error it will be an error with your personal details, make sure the address are correct and you have all three reports looking consistent - you will need to contact each report and get them to amend any errors.

3. Don’t close your accounts down
It seems very counter intuitive but it’s actually true. See if you close your accounts down and try an consolidate your loans then you will effectively end any credit history you had with those account. 35% of what your score is made up of is past credit history, so it’s gold as far as clean up your report.

4. Keep your loan to credit ratio small
It seems counter intuitive also but it makes sense when you think about it. You need to make sure there’s no a huge difference between how much credit you have access to and how much you have paid off. If you owe to much then your creditors think that you are less likely to pay them off as it looks as though your up to your eyeballs in debt.

I hope these tips help - they certainly did for me.

Remember to stick to a solid plan of cleaning up your report and don’t stray, the hardest thing I found was getting motivated enough to pay back the loans - it was just so hard to go with out for a period of time, but you have not option.

Fast Credit Repair, the how and now!

You are in a little spot of bother, maybe a few credit spot fires here and there, that need putting out?

These best way to improve your score fast are the methods described below, I’ve been scorched from a bad credit score in the past and want to share my tips so you don’t get burnt.

You are not alone with needing to fix your credit report fast.

There are currently 30 million plus people in the United States that have credit scores under 620.

I was shocked to read that only 27 percent of consumers understand that scores measure credit risk.

Top 4 Ways:

First you need to get 3 copies of all your credit reports. You can get them from annualcreditreport.com or Equifax, Experian and TransUnion. There are also many other places but be careful of scams, they will tray and steal your identity.

Avoid Bankruptcy
This is the fastest way to improve your score, one you are bankrupt you can find yourself struggling for years to get back to the top of the financial heap,just getting off the floor can be a major struggle. You can loose 200 points form becoming bankrupt.

Pay Your Bills On time
Use direct debt online bank accounts or get it moved directly from your pay packet each week to avoid any avoidable mishaps. Missing your payment by more then 30 days can have serious effects on your credit score.

Resist Closing Down Old Accounts
It seems rather counter intuitive but it’s one of the best ways to improve your score. See if you close down and old account you will delete all your payment history. When the credit companies add up your credit scare they take into account your past credit payments so they need a destroy to do this, if you close an account down then you effectively erase all your credit history.

Don’t Consolidate Your Accounts
This is similar to the above point as you will erase all your credit history if you go about closing your accounts down, you may think you are doing well consolidating but that’s where you are wrong, see you may save a bit with a lower combined interest rate but it’s not worth erasing  all your credit history for.

Try and get some counseling if you fear you are getting behind on your repayments - as that is the most effective way to prevent you from damaging your credit report, be vigilant and get on any spot fires early before they turn into fire storms that can destroy your future credit score.

Remember Fast Credit Repair is not easy it takes dedication, but form a plan and just stick to it, like anything in life what you seed with grow if nurtured well.

Please feel free to leave any comments or questions I can answer.

Ok, so you’ve got some bad credit reports, and need to kix them quick smart.

I can empathize with you, my name’s Justin and I know all about having a bad credit report. I was there and know only too well what it was like, but I got myself out of the financial hell I was in.

Let me show you how.

Having a bad credit report can cost you big time, it’s hard to get a loan for one, but even when you obtain a loan it will be financial suicide.

See when you have a bad report the creditors will not trust you too much and will therefore protect there investment in you by charging you extra. It makes sense, you will get penalized because you are a risky customer.

They will only agree to giving you a loan for credit if you agree to go on a high interest rate loan. It may only seem like a few hundred dollars extra a month but spread over a few years will add up to thousands. So you need to do everything you can to reduce your credit interest rate, you can only do this by having a great credit score adn clean looking credit report.

Ok, what do I do you ask? well you need to follow our the following recommendation, this is what I did and my report and score improved drastically, I increased my credit score by a  few hundred points.

Top Tips for Bad Credit Reports:

1. Don’t consolidate your loan
I know it seems counter intuitive but it’s true, consolidating your loans is a sure fire way to damage your credit score. You see you need to have records on your credit report of CURRENT credit accounts, like credit cards and other loans. As these act like report cards on your payment history. A Payment history record is the number one most important piece of information on your credit report. So keep them open and try and negotiate to pay them off - see if you can better your terms or reduce your interest rate but don’t close the account, or you will close off your chances of improving your credit score.

2.  Imporve your Loan to Credit Ratio
This is another smart tactic to improve your credit report. See when you have a have a high percentage of available credit to the balance of your loan then you are in trouble. You need to close the gap. If you have around three accounts with a small loan to credit ratio then this puts you in good stead. See if you have a lot of available credit then lenders will get nervous that you owe so much money and will not be able to service the loan - this is a risk that will damage your credit score.

I hope these tow tips are helpful for you. They will certainly help your credit score and get you back into the land of the living.

Don’t forget that your credit report and credit score are the most important assets you have, if you damage them then it’s not the end of the world for you but it comes close. It’s nearly impossible to get a home loan, car loan and credit cards, we live in a world of lending and debt - if you can’t get access to finance you are going to struggle.
Written By:: Justin Fox