Bad Credit History, What Now?
To begin, take a moment to visualize yourself with excellent credit. See yourself living in your dream home…driving your dream car, money in the bank…comfortable and happy… whatever happiness means to you. If you can’t see it… feel it, then you will not experience it. See it clearly in your mind in explicit detail and focus your mind on these images. It helps to surround yourself with these images so that you have constant reminders of your goals and stay motivated. For no reason should you lose sight of where you want to go…despite what obstacles you may anticipate that stand in your way. Those who accomplish greatness only see where they want to go, and don’t worry about how they are going to get there. By acting in that wisdom alone miracles somehow just happen! Read more
Tips for Starting A Positive Credit History
Almost everyone needs credit. If you are renting an apartment, applying for a mortgage, applying for a car loan, or even applying for a job, you will need some type of credit history, as credit decisions are often based on your prior use of credit. If you are a young adult or are still in college, you have a unique opportunity to start building a solid credit history that can serve you for many years to come. By carefully building credit and avoiding credit mistakes, you can insure a strong credit history.
Although you may not have credit yet, you should try to get a copy of your credit report for the credit bureaus, so you can check if there is any inaccurate information. Additionally, you will want to make sure that you haven’t been a victim of identity theft, with someone using your name and trashing your credit. The three bureaus are: Equifax, Experian and Trans Union, and they can be contacted online, as well as by phone and mail. Read more
Make Your Bad Credit History A Thing Of The Past
You just applied for a mortgage, a car loan, a home equity advance and you were turned down. What happened? You didn’t realize how bad your credit history was until this new episode. Once you have got over the shock, get started on finding out just how bad your credit really is. Get your free credit report from all three of the big three reporting agencies – Experian, Equifax and Trans Union. You are entitled to one free credit report a year from each of them. Read more
Does Your Bad Credit History Still Haunt You?
I would love to tell you to put your past behind you but when it comes to credit your past will be reflected on your credit history and your credit report. And that’s how bad credit gets started. However, other contributing factors can well have an adverse effect on your credit and you’d best know what they are. Read more
How to Erase Your Bad Credit History
How is a bad credit history making you feel? Dumb question or is it a real problem? My money says it’s a real problem. It becomes a stark reality when you apply for loan help of various kinds only to learn that your application had been refused by the lender and you only have the vague knowledge that it’s due to the bad credit history shown on your credit report. Read more