Are you harassed by your creditors and debt collectors calling you everyday? Have you ever experienced a job you were going for tell you that they can't hire you because you have credit problems? Have you been served with court papers threatening to sue? Do you want to fix bad credit fast? If you've answered yes to any of these questions, then listen up. I have been in your situation and know how horrible it can feel to be denied the American dreams. Not being able to buy a house, a car, or any big ticket item can be very disappointing. The problem is that many people try to find a solution that will fix credit fast. But is it really that fast? You may have gotten into the problem a lot faster than you can get out. Credit repair agencies are out there but who knows if you can trust most of them. So the job of fixing your credit may prove to be very difficult. There is no quick solution to excellent credit. Sorry that is just the truth. Even if you clean up your credit with the credit bureaus, you need to tap into the root of the problem. You need to sit down and lay it all on the line and assess when your credit started going wrong and why. Here are three items I feel are important in clearing up your credit. 1. Set Up A Budget How many times were you told this important factor to having good credit. Many people say they have one, but do they really. And the people that do have a budget don't follow it and adjust it as things change. There are many programs out like Microsoft Money that will help you set up a budget. 2. Monitor Your Credit This is very important because the credit bureaus can make mistakes and items on your credit report could not be yours, but if a potential creditor (computer) sees your credit, it will assume everything on the report is correct. I have the same name as my father and my credit report contained information that I had past due child support in 1982. I was born in 1980 that is definitely not my item. 3. Clean It Up!!! Contact all of the credit bureaus and ask for a copy of your credit report. List all the items that are the oldest and dispute those. Review the results and dispute a few more, no more than three at a time because more gives off a red flag to the credit bureaus. And always be careful of anyone telling you that you can get a bad credit mortgage, because those are usually very expensive in general. Clean your credit up once and for all. I am an accountant and am well versed in various credit situations and how to get rid of bad credit. visit my website http://www.myexcelcredit.com to see more
Source: http://www.ArticlePros.com/author.php?joseph weber
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