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Posts Tagged ‘credit repair’

Although many people are born without the skill it
requires to use credit cards, it is important to learn
the rules of the game. All you need to do is to
remember simple do’s and don’ts of credit card usage
and in time, you would welcome healthy spending habits
in your financial life.

The first thing you do want to ever do is to use your
credit card to make your everyday purchases,
especially food, gas and clothing. It is bad enough
not to have cash-on-hand but buying simple everyday
items can develop into a habit wherein you may tend to
substitute a credit card with cash. It is always
advisable not to take your credit card out of your
wallet for everyday purchases but instead use your
cash or a debit card.

The next thing you do not want to do is develop a
habit of making minimum-only payments. If you make
minimum payments each month, you are only increasing
the length of time it will take for you to pay off
your debt. Additionally, it will also increase the
amount of interest you could end up paying.

If you are one of those people who usually buy things
that are way off budget, remember not to use your
credit card to buy things you cannot afford. One way
to get into debt is living off borrowed money. You
might end up waking one day realizing you are so much
indebt that you wish to return your expensive
purchases back to wherever you bought them from.

Go through those debt consolidation services ( i don’t qualify for a loan) or do credit repair.
I did debt consolidation once like 7 years ago but it says on your credit that your account was closed off because you’re in this program. But I don’t know how credit "repair" works….
Also, can charge offs be put into the debt consolidation programs?
I really want to fix my credit as much as possible and was on disability for like 2 years and that messed me up plus I’ve been going through a bad marriage and now a divorce but none of these are joint accounts.
I live in CA

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Is this correct way of thinking about credit repair?

This service does not remove things with existing balances therefore; you are still responsible for those things. They only remove outdated info. and things that are not verifiable. This service does nothing to help you get out of debt but, make you look good on paper to lenders.

Shouldn’t one get debt consolidation first and then do credit repair.

Suze Orman speaks on debt consolidation, credit repair, and debt settlement. Check out more personal finance videos and Walk Throughs about Term Life Insurance, Whole Life Insurance, Debt, Investing, and Financial Planning with Suze Orman, Dave Ramsey, and Greg Olney here at www.youtube.com Suze Orman, Dave Ramsey, Debt Elimination, Credit Monitoring, Credit Repair, Debt Settlement, Money Management, Financial Planning www.lifeinsuranceira401kinvestments.com