So, you just pulled your credit report, and it’s official your credit is thrashed and you need solutions on how to fix it. Fixing bad credit isn’t difficult and with some new habits and helpful hints you can minimize the problems and move forward into good credit.
Fix outstanding debts and make a plan
Pay anything and everything outstanding. For the bills that you cannot pay, make a payment arrangement and arrange for timely payment that will fit into your monthly budget. Be sure to explain the reason behind your tardiness, as banks will be more understanding if they know it’s not a regular problem, but a one-time circumstance that has now been rectified.
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