Chapter 12. Make Credit Fixing Easier on Yourself
Credit repair is no picnic. It requires continual effort and work to get a favorable credit ranking and to improve a bad one. In today’s busy life, you stand a much better chance of getting a better credit ranking if you ensure it is as easy on yourself as possible. In many cases, people actually have low credit rating not because of carelessness or apathy, but because hectic lifestyles lead to oversights and missed credit payments. There are several things you can do for making a favorable credit ranking almost automatic:
Tip #72: Don’t let a bad credit ranking score make you swear-off buys you must make
You will make life much more complicated on yourself if you refuse yourself things you need - such as medications - because your credit ranking score is inadequate. If you have inadequate credit ranking score, but need money for something immediate, consider a properly secured loan or a bad credit ranking loan with nice terms. Do not let inadequate credit ranking impact your ability to stay safe and healthy.
Some people think that getting credit while trying to repair their FICO ranking is bad idea. While it is true that you may not get the best interest rates on the loans you get in the time before your credit ranking score is enhanced/boost, getting loans that you need may simply be too important to put off.
Tip #73: Organize to pay your expenses when you are on holiday or ill
When we go on holiday, of course we want to get away from it all, but when we forget to pay our expenses while away, we risk getting marks on our credit ranking report that can impact our credit ranking risk.
Make it part of your holiday practice to pay expenses in advance or to set up someone to pay your expenses while you are away. In the same way, while you are ill, arrange to have expenses paid so that expenses don’t load up and so that you don’t get noticeable as a “non-payer.” It is annoying to be trying to improve a credit ranking score only to experience a drawback over a small money management.
Tip #74: Consider the internet financial banking or cellphone financial banking to make invoice transaction easier
If you have trouble getting your expenses in promptly, consider the internet or cellphone financial banking. This simple system is now available from virtually every financial institution and can help you pay your expenses in minutes - whenever you want, day or night. If you travel a lot, on line or cellphone financial can be a real life-saver as it will allow you to