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Ten reasons not put off fixing your credit
You know the effects of having bad credit. It keeps you from getting approved for credit cards and loans. You have to jump through hoops to rent an apartment. You have to pay hefty security deposits. You have trouble getting a job. Yet, after all these things, you still havenít started repairing your credit. Why? Well, here are 10 reasons why you should start the process today.
1. Your Credit will not fix itself
It sounds a little ridiculous, but there are many people who think something is going to magically happen to change their credit. There is no magic to credit repair. You can either wait seven years (sometimes ten) for the bad things to fall off or you can actively work to change your credit and enjoy the benefits sooner rather than later.
2. Your credit is not hopeless
There is always something that can be done to improve bad credit. Even if you have the worst entries on your credit report, you can still recover.
3. You cannot hide behind your spouse's good credit forvever
It's not smart to ignore your own bad credit because your better half's credit looks better. What will you do in the unfortunate event of a disability, divorce, or death? Married or not, there may come a day when you need good credit of your own. When that day comes, you don't want to be stuck with a poor credit score.
4. Bad credit is expensive
Bad credit cost you more than you realize. Apart from the security deposits and the higher interest rates the price of the missed opportunities must also be factored in. The emotional and financial cost of being declined a mortgage or business loans may be substantial.
5. Paying Cash for everything is not always practical
If you figure out how to get by without having good credit, you can easily get complacent with a bad credit score. In today's society, you'll either continue to "just get by" or you'll have to work hard to save cash for everything you buy including a house or car.
6. Denying your situation is not in your best interest.
Denying you have bad credit won't change the truth. Your credit's bad whether you admit or not. But, it's in your best interest to own up to the situation and start taking steps to fix it.
7. Do not wait until you are declined for financing to fix your credit
Ignorance is bliss. That is, until you try to apply for a credit card or loan. If you're not sure where your credit stands, don't assume it's good. Even if you're paying your bills on time, identity theft could ruin your credit.
8. Good credit involves sacrifice
You won't be handed a good credit score. You have to work for it and you might have to give up some things to get it. Letting go of your bad spending habits will be uncomfortable at first, but after just a few weeks, you won't miss the frivilous things you're used to spending money on.
9. You're planning to file bankruptcy
Filing bankruptcy doesn't replace credit repair. In fact, after you file bankruptcy, you will still have to work on your credit to get approved for many credit cards and loans.
10. We do all the work
Relax and let us use or experience and expertise to get you back on track. Good credit is just a Click away.
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