Don’t let bad credit keep you down

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A lot of us have had bad credit at one time.  Sometimes it was nothing you could have controlled a lost job or medical bills. These are nothing you ever asked for they just happen; your credit can be hit hard when you are just trying to survive life. There is something’s you can do to get your credit score back up.

We were hit with thousands in medical bills when we lost our son.  We could not pay them all at once and spent years paying the minimum payment.  With so many we did miss some here and there then the collections started.  Eventually we did get them payed off just for more medicals bills to come up.  Of course, this is nothing we planed but every time we got caught up, we were knocked right back down.

Some of the things that can help when you need it is first cut up the Credit Cards just keep one for emergency’s and no the new fashion for the season is not an emergency lol.  Next make a list of everything you owe and start making a payment sched.  If there is no way you can make the minimum payments start making phone calls and see if you can get them to lower them or if they are the same company to combine them.  This can add up every month.

If you still owe a ton looking into a Bad Credit Loan, they can make a huge difference when you can pay everything off and just make one payment for the loan.  Having one to remember is so much easier then 20 different payments a month.

Now paying off your bills and catching up is only one step to helping your credit.  You need to also know what else is knocking your score down.  You should start this process by running your credit reports to see what is on there. A lot of them will also give you tips to help bring up your score.

Doing little things like paying off your debt and not adding up any more can really make a difference in your credit score.  Another thing you should do is take a little money from each check and put it aside for emergencies.  Now I know this is easier said than done.  If we had all this extra money, we would not owe anything in the first place.  So, while you are paying it off and strapped for cash just do the little things you can.  Even if its $5 from each check put in a box under the bed this will add up and give you a little cushion for those weeks you do not get as many hours.

Bad credit can make it hard to get a car when you need it or even buy a house down the line. Starting to monitor your credit now and being on top of things before they start to add up can help you in the long run.

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