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Having bad credit affects not just what you want now, but also what you can have in years to come. Your credit score will affect everything from hire purchasing to getting a mortgage. That is why it is vital you keep any good credit that you have and keep the bad credit ratings away. Bad credit ratings generally come from missed payments on things such as loans, mortgages, and credit card payments. To sum it all up, bad credit comes from any time that you do not pay back any money that you have borrowed from banks, building societies or other lenders.

But just imagine, if you were in the prime sector of ratings you may not drop any points whatsoever. That might not sound fair, but it is true. Also, there is no way to know for sure how many points you will drop for missing payments. It is completely unpredictable, and you never know exactly what is happening.

This book covers the following topics:

• Basics of credit repair
• Is credit repair ethical?
• Self-credit repair step
• The debt snowball
• What is section 609
• General advice to see success with 609
• How to proceed with the letters
• The templates you need (609 letter)
• How to boost your credit score 100+ points?
• How to find credit cards with guaranteed approval?
• What the credit bureaus and the lawyers do not want you to know
• How credit scores are calculated
• Right mindset for credit management

And Much More

Credit company bosses are getting fat on the profits you give them in interest payments each month. Do not let that happen That is why you should never have more debt than a quarter of what you earn per year. This way you can be sure you can make the payments on time. Other than a mortgage or maybe a business loan, you should never get yourself into any more debt for whatever reason. Remember: Any such debit will hang around your neck for months, maybe even years.

If you need to build up credit because you do not have any or because you have extremely bad credit, then you need a plan to get back on the right track. Pretty much everything you do in your life affects your credit rating, even things that you would never imagine

If you have no credit but you manage to get a credit card, do you think it is better to pay the balance all off at once every month, or pay it off in installments? Many people would say pay it off every month. After all, that way you have no debt, pay no interest, and establish yourself as a reliable person, right?

But think about it: If you pay it off in full every month you are effectively not borrowing any money; therefore, you do not have any score on your credit rating. If you pay the debt off in installments you are building up your good credit rating-provided you make the minimum payment on time.

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