Are you worried about your credit report? Do you live in one of the troubled credit states of Florida, California or Texas? Are you desperately trying to keep up with your bill payments, but you were laid off and are really trying to do your best to fix your credit rating? You are not alone in this situation, many people are suffering.
This article will show you ways that you can achieve the credit report repair that you so desperately desire and deserve.
  Interest rates are on the rise and if you are like most people, your monthly payment is applied mainly to interest and not to your principle.
So you are in fact not getting anywhere with your payments.
You feel as though there is no end in sight to your credit dilemma, no matter how hard you are trying.
  There are several things that you can do.
First you want to get a copy of your credit report and give it a thorough check, mistakes can be made.
If they are any discrepancies get them taken care of immediately.
This one step can greatly improve your score.
If you find any errors you must notify both the credit bureau and the lender by phone and with a follow up in writing.
  Next sit down and take a good look at your finances, your interest rates that you are paying, a student loan, car loan and any other store card that you might have.
Deal with the ones with the higher interest rates, such as credit or store cards.
You can be paying up to 28% interest on some of these cards! Make these payments first to decrease the interest.
You may want to look at consolidating these cards if you are able to.
  The third thing to do is look at where you are spending your money.
Cut down on expenses, purchase only those items that you must have each month.
Start saving your cash and pay down your loans and you will see a big improvement in just a few months.
  Late payments, non-payments, under paying a bill are all things that can negatively impact your credit score! Read on to find out how to avoid this happening to you.
You want to improve your credit report repair so that the next time you need to make a big purchase, say a car you will be given a good interest rate, versus a customer with bad credit.
If you go into a car dealership and apply for a loan of $25,000 you will end up paying over $10,000 if your interest rate is in the 'bad' rating and get charged 15%.
A 'good' rating can get you zero percentage financing! This alone should be a great incentive to repair your credit report fast.
  What if you don't have a few months to repair your credit report? Well, there are certain tips and resources that can be used to improve the rating of your credit report.
They are all legal and do not require the use of a credit agency! By following the instructions you can easily improve your rating within thirty seven days.