Credit Report...Repairs!!!
I have to share this with you all. I have been studying and looking at my credit score. Not so good at all. I have made a lot of mistakes. At least, I am aware of them.
However, I have been doing a lot of reading online and studying and I have been "cleaning" my credit report. Every little bit helps.
If you have a chance, go to myfico.com. I am not selling anything...I just came across that website a couple of days ago. Anyway, they offer tons of advices to help clean your credit report. I know, there is no magic wand, and some things are just not "fixable". However, I learned that sometimes asking a creditor to remove a "negative report" can be a good thing and they just might say yes...
And you? Any advices to share?
Credit report is exactly what is screwing me over right now. I know fixing it is a long process and maintaining it will be a lifelong thing. Lots of responsibility!
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Dear Jess: I am in the same boat as you...My credit report is affecting in different areas of my life. For example, my insurance premiums are ridiculously expensive because of my credit score...:(
ReplyDeleteBut what I am trying to say is that check your credit report for any mistakes - and you can always dispute any negative comments AND write to your creditors to ask them to remove any negative comments. I have been trying and my credit score is still shitty BUT it improved by at least 40 points just by removing a couple of things...it is worth trying...the worst answer you can get is a no...
keep writing your blog, I like your honesty and energy!