A good credit rating is not always associated with personal assets or the level of a person's income.
Some people with bad credit have money in the bank and a high paying job.
While others with a fair to good credit rating have large debts and a low paying job.
A poor credit rating is often associated with people who don't pay their bills on time or not at all.
A low credit score can also mean you've missed final payment dates, or have County Court Judgments against you.
If this is the problem a credit clean up can be difficult.
The key to improving your credit rating can be as simple as getting your bills organized.
Of course if you've been lackadaisical about paying your debts it will take a little time and patience to get the ball rolling in the right direction again.
As strange as it may seem many people with bad credit had the money to pay their bills but they lacked simple organizational skills and the discipline to pay the bill on time.
The easiest credit clean up is a situation where a person has the money but forgets to pay or is a week late in paying the bill.
If you're just a procrastinator then a credit clean up shouldnot be a real problem.
If you have a number of County Court Judgments (CCJ's) against you however, you fall in quite a different category and you have a far more serious problem to resolve.
Here are a few tips that will help you establish a better credit rating or help keep your credit rating solid.
Payments that are more than 29 days late have a negative effect on your credit rating.
Get in the habit of paying your bills on time or better yet ahead of time.
You'll credit report will be far sweeter for it.
Strange or not a person who has a high number of credit cards regardless of the limit is looked on with suspicion by banks and credit card agencies.
Reduce the number of credit cards you own.
Write to your creditors and have them close the account.
And make sure you report the changes to all three credit-reporting agencies.
If at all possible avoid bankruptcy.
A bankruptcy will remain on your credit report for 10 years.
Paid tax leans stay on your record for seven years and unpaid tax leans will remain with you until the day you die.
The total amount of your available credit is a large concern for creditors.
If you don't need the higher limits reduce your amounts of available credit.
You can do this by writing to your creditors and inform them to lower your amount.
Get a yearly copy of your credit report and study it carefully.
Make sure all the entries are accurate and up to date.
Errorsor misinformation can and does occur in credit reports.
Make sure your credit report reflects the truth about your credit history and complain if it does not.
Good credit is like a good doctor, lawyer, or friend.
It's nice to know they are there if you need them.
A credit clean up is well worth the effort.
How would you like to raise your credit score 249 points in 90 days? Credit Secrets Bible [http://www.
best-credit.
info]
Some people with bad credit have money in the bank and a high paying job.
While others with a fair to good credit rating have large debts and a low paying job.
A poor credit rating is often associated with people who don't pay their bills on time or not at all.
A low credit score can also mean you've missed final payment dates, or have County Court Judgments against you.
If this is the problem a credit clean up can be difficult.
The key to improving your credit rating can be as simple as getting your bills organized.
Of course if you've been lackadaisical about paying your debts it will take a little time and patience to get the ball rolling in the right direction again.
As strange as it may seem many people with bad credit had the money to pay their bills but they lacked simple organizational skills and the discipline to pay the bill on time.
The easiest credit clean up is a situation where a person has the money but forgets to pay or is a week late in paying the bill.
If you're just a procrastinator then a credit clean up shouldnot be a real problem.
If you have a number of County Court Judgments (CCJ's) against you however, you fall in quite a different category and you have a far more serious problem to resolve.
Here are a few tips that will help you establish a better credit rating or help keep your credit rating solid.
Payments that are more than 29 days late have a negative effect on your credit rating.
Get in the habit of paying your bills on time or better yet ahead of time.
You'll credit report will be far sweeter for it.
Strange or not a person who has a high number of credit cards regardless of the limit is looked on with suspicion by banks and credit card agencies.
Reduce the number of credit cards you own.
Write to your creditors and have them close the account.
And make sure you report the changes to all three credit-reporting agencies.
If at all possible avoid bankruptcy.
A bankruptcy will remain on your credit report for 10 years.
Paid tax leans stay on your record for seven years and unpaid tax leans will remain with you until the day you die.
The total amount of your available credit is a large concern for creditors.
If you don't need the higher limits reduce your amounts of available credit.
You can do this by writing to your creditors and inform them to lower your amount.
Get a yearly copy of your credit report and study it carefully.
Make sure all the entries are accurate and up to date.
Errorsor misinformation can and does occur in credit reports.
Make sure your credit report reflects the truth about your credit history and complain if it does not.
Good credit is like a good doctor, lawyer, or friend.
It's nice to know they are there if you need them.
A credit clean up is well worth the effort.
How would you like to raise your credit score 249 points in 90 days? Credit Secrets Bible [http://www.
best-credit.
info]
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