A bad credit rating can affect your entire life.   A bad credit rating means that you have bad credit scores and bad credit reports.   You really need credit repair help if you currently do not have a good credit score and good credit reports.

How You Start Your Credit Repair:

  • Credit repair should start with your financial habits. If you always pay your credit cards late or fail to pay your credit cards at all, stop it, change it, you are only hurting your future.  
  • Your next move is to order a copy of your credit reports as soon as possible.   You can get free credit reports from each of the 3 national credit reporting agencies once a year.
  • A good credit score is above 750.  
  • Where you live, work, the car you drive and the insurance you pay are all impacted by your credit scores.  

Let’s review what your future will look like if you do not take the necessary steps to improve your credit scores.

Your Future Without Credit Repair Help:

A Place To Live

  • If you have bad credit scores then creditors and landlords grade you as a risky customer.  When you carry the label of risky, everything becomes complicated.  You could have a hard time finding a place to live.
  • Creditors and landlords review credit scores before doing business with you.
  • If the landlord denies your rental application or a mortgage company tells you that you do not qualify for a loan because your credit score is bad, credit repair help is suddenly urgent.    Make any necessary credit repairs before it gets to the point of urgency.
  • A credit score above 750 is considered by creditors and the credit reporting agencies to be a good credit score.
  • If your credit scores are below 750, seek out credit repair services as soon as possible.

A Car To Drive

  • Your car loan application may be denied.  No loan, no car.
  • To get a loan approved you may be required to have a co-signer.
  • Your loan may be approved but you will be charged much higher interest rates.    Do not let credit go that far, take the time to get some credit repair help; get your credit scores above 750.

Insurance For Your Home & Car

  • Your Future and Credit Repair HelpInsurance companies will increase your premiums if you have a bad credit score.  Even if you have never filed an insurance claim, the insurance company may still charge you a higher premium if you have low credit scores.
  • The industry considers a score that ranges from 300 – 750 to be a bad credit score.
  • Again, a good credit score is above 750.

Where You Work

  • More and more employers are reviewing the credit scores of the applicants they interview.   Since unemployment is so high right now, employers can be very selective.
  • If your credit scores are below 750, to help your employment opportunities, look into some credit repair services to help raise your credit scores about 750.  That one action alone could make all the difference if you are selected for an interview.

Bad credit can affect your employment, where you live, your ability to get loans and what you pay for insurance. What other reasons do you need to get your credit repaired if you have bad credit?

If you even think that you have bad credit, don’t wait, get some credit repair help.  Order your credit reports as soon as you possibly can.   Again, you can get free credit reports once a year from each of the 3 national credit reporting agencies.

Having good credit scores can make a big difference in where you work, where you live, what car you drive and what you pay for your auto and home insurance.