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If you want to fix bad credit, you need to start paying all of your monthly bills on time, period!
If you’re behind on any bill, get caught up as soon as you can.
Next, gather any information that you have to back you up, such as bank account statements, and make copies of these as well. The credit bureaus won’t do anything without proof.
Write a letter to the specific credit reporting agency that shows the falsehood, whether it is Experian, Equifax, or Trans Union.
Create a limit, based on your income, of what you can spend in each of the different categories of expenses.
For example, if you tend to spend 0 a month on groceries, try to stick to 0 a month on groceries by making changes like buying generic brands, using coupons, and resisting impulse purchases.
If you see any mistakes or questionable items, make a copy of the report and highlight the error.
Compared to a borrower with good credit, someone with poor credit can pay ,000 more in interest on a mortgage.
Over an entire lifetime, you could end up paying over 0,000 more in unnecessary interest just because of bad credit.
Here are the contact numbers and web sites for the three credit bureaus: Once you deal with any errors on your credit report, it’s time to ensure you’re not still spending more than you can afford each month. It’s because are only three simple things to do to repair bad credit: But before you can do these things, you need to make sure you’re not spending more than you earn—you need a budget.
To start, review your tax returns for the past two years to get a sense of how munch money you actually take home in a year.