Don't Despair~Do Credit Repair!!

Anyone who has sought a loan recently, whether it be for a home, car or new business etc., knows how important Credit Score has become. It is now, arguably, the primary indicator of whether you get your desired loan and how much you pay for it!

People's credit score are affected by many outside influences....job loss, unexpected emergencys, health care and prescription costs. Gasoline and heating/cooling costs can all affect ones ability to pay....a major factor influencing a Credit Score.

If your Credit Score is responsible for holding you back....here are some steps you can take to repair it. Repairs won't happen overnite and there's no easy fix...but it can be done!

#1- Pull your credit report and check it for accuracy. Everyone is entitled to one FREE! Any incorrect information needs to be corrected, in writing, with all three Reporting Agencys (Experian, Eqifax, TransUnion )

#2- Work out a Budget to pinpoint where your money is being spent and where you can cut back.

#3- Seek help from a Credit Counseling Service (in Concord- Consumer Credit Counseling Service) It should be:

1. a non-profit, run by trustees
2. certified counselors, not paid on a commission and licensed according to State Law
3. shouldn't have to pay a large amount "upfront"
4. size of debt shouldn't be a qualification

#4- Pay your bills on time. A consistant pattern of timely payments will repair your credit the fastest

~~~~~~~~~~~~

What are you waiting for???

Concord New Hampshire Realtor Area Information