Okay, you’re sick and tired of hearing the words declined over and over again when you go to buy a home, a car or apply for a credit card. You want solutions. You’re saying I need to fix my credit now! You are sick of paying all the interest and want better terms and rates now. How are you going to do it?
Get some healthy credit
Look for some manageable credit cards that you can use to establish excellent payment history and will allow you to get a strong payment history. Don’t be overwhelmed by a high rate, if you choose a card that has a thirty day grace period and keep a minor balance that can be paid monthly you will never have to pay that interest and your credit score will begin to score.
Consider more creative solutions for a while
Credit problems occur because of major life events that cripple us financially or because people spend more than they make and it catches up with them. Consider creative options like “Rent to Owns” on houses or a more modest car to maintain your lifestyle but avoid paying high interest. Sometimes paying high interest will just hurt us, and not create ways for you to fix your credit now.
Check It! Check It!
Keep a good tab on your credit by finding little ways to fix your credit on a monthly basis. There are always small ways, like reducing your inquiries or keeping smaller balances on credit cards or credit lines that will cause your credit score to jump very quickly. You need to approach this with a lot of intensity because the longer you wait the harder it is. Remember, you want to know how to fix my credit now, not later.
Make a plan
The best way to avoid a bad situation again is to make a plan for it not to happen again. How do you do this? By building a monthly budget and being honest on the reasons that have created this difficult situation for you, it will be possible for you to avoid it. Make a savings plan to be prepared for emergency expenses.
Stop scratching your head, there is a way! You can, get up and say I’m fixing my credit now, and not waiting and paying high-interest loans over and over again. Stop waiting, your credit repair starts today.