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DIY Credit Repair Tips And Advice

Updated on March 17, 2010

Do It Yourself Credit Repair Advice And Tips

 Racking up debt is so easy these days, what with credit cards and online shopping.  When you’re paying your bills late or not at all, your credit is going to end up suffering as a result.  Your credit is going to take a huge hit, especially if you’re thousands of dollars in debt and not making any payments.  Fortunately there are some do it yourself credit repair tips that can help, and these are quick and simple things that you can do on your own.

 The first step you should take is to cut up all your credit cards.  This will get rid of the temptation because the last thing you want to do is rack up more money on your credit cards.  Even if you think that you have the willpower to keep your cards in your wallet, this is really just the easiest way.  Besides, you can always go get replacement cards later on down the line once you’ve got your finances sorted.

 You’re also going to need to get a copy of your credit report so that you can look it over.  This way you can see what lenders see when they’re considering you for a loan.  Focus on the more negative areas of your credit report, and make a list of all bills that are already in collections.  These are the ones that are having the most negative impact on your credit rating.

 If you’ve kept track of your credit rating up until now, you’ll be able to see how much it’s dropped from when your credit history first began.  Don’t worry about getting everything paid off at once.  Chances are that you can’t pay everything off at once because if you could have, you would have done so by now.  Because you’ve made the effort to communicate with them they are more than likely going to make a doable arrangement with you and may even drop off some of the debt you owe.

 When you stop ignoring your bill collectors and actually give them a chance to come to some sort of payment arrangement with you, it’s going to be much easier to pay your debts off.  They may even be willing to take off some of what you owe, just for being open and willing to communicate.  Rather than racking up bills on clothes and home accessories each month, focus on your bills.  Once some of your bills are paid off and you have extra money each month you can spend a bit more freely.

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