Credit Repair in Atlanta- Tips You Need to Know
If you’re looking for credit repair in Atlanta, there are a few things you should keep in mind. These factors can help you to get the credit score you’re looking for.
Do Not Expect Overnight Results
A big mistake people make with credit repair is assuming that they can quickly change their credit score. The truth is that this is not possible and any company that claims they can do this is lying. It takes time to go build your credit.
Pay Attention to Your Credit Report
You are eligible for one free credit report each year from each credit reporting agency. In addition, you are also eligible if you are unemployed, get denied for credit or other circumstances. Take advantage of this as a way to see what is on your credit.
You may be surprised to know that there are many errors on credit reports. You can write a letter to the credit bureau to have the error removed off of your credit. Even if there are no errors, you want to know what you are working with.
However, dealing with the Credit Bureaus can be extremely frustrating. They are adept at putting “roadblocks” in the way of those trying to get errors removed. For many, it’s a better choice to hire a credit repair company, as such companies are experienced in dealing with the bureaus, are wise to their “dirty tricks” and are much more likely to get good results than the lay person.
Talk with Your Creditors
You will find that many creditors are willing to accept a settlement on the account if you can pay it off all at once. This could save you a lot of money and is worth the call. Even if you’re behind on payments, call to see if there is a lower payment option that you can work out. While it may take longer to pay off, it will help keep you in a positive standing with the creditor.
If you do settle with the creditor, make it conditional on them contacting the credit bureau and getting the negative trade line removed… and get it in writing!
Make a Budget
You want to budget yourself and try to find ways that you can cut spending. This can help you to find more money that you can put towards paying off your current debts.
Keep Some Credit
One of the biggest mistakes you can make is closing all your credit accounts. The problem with this is that there is no way for you to build credit. Rather it is best to keep one card open that you pay off at the end of the month.
Find a Reputable Credit Repair Agency
A credit counselor can be a great help if you need credit repair. They can look at your current situation to find the best way to get you back on track.
If you suffer from bad credit WE CAN HELP. We have helped literally hundreds of clients fix their bad credit and we can do the same for you.