Due to the state of economy, it is no surprise that so many people have bad credit scores. Luckily the tips provided here are useful ways to get your credit score looking healthy once again.
Keep your credit cards in your wallet. Pay with cash whenever possible. If you absolutely need to use a credit card, be prepared to pay off the balance at the end of the month or as soon as possible.
If you are able to get a payment plan worked out with any of your creditors, make sure you get the terms in writing. Having the plan in writing will protect you if the creditor reneges on the plan or if your debt is transferred to another creditor. If you manage to pay off your debt, make sure you receive proper documentation as proof to send to credit reporting agencies.
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