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Credit Repair Education
The economy is tough and many people are struggling. As a result of the current unemployment and under-employment rates in this country, many consumers find themselves falling behind on payments temporarily. There is no shame in this. Once you get back on your feet and get a steady income coming into your bank account, there are a few things you should do to repair your credit and get back on the right track.
First, make sure that you catch up late payments and past-due accounts right away. Then set up a budget so you can keep your payments current and make at least the minimum payments on all of your accounts each month. This is the most important thing you can do to repair your credit and increase your credit score.
Next, if you have any accounts that have been charged off and sent to collections, contact the account holder right away and work out payment arrangements. Get these accounts paid off and made right as quickly as you can, so they will fall off your credit report faster.
Finally, once all of your accounts are current and you are back on track, pay a little extra on your accounts each month until you get them paid off. Even five to ten dollars more than the minimum payment will make a world of difference in getting your accounts paid off faster.
If you have fallen on hard times and need to repair your credit, we can help. We have provided a list of the top ranked credit repair companies in the United States for you to browse and find the one to best help you achieve your financial goals.