5 Tips For Repairing Bad Credit

credit reportHaving bad credit can negatively affect an individual in a variety of ways. Everything from buying a car to purchasing a home can be impacted by a credit score. Some employers even check an applicant’s credit history as part of the hiring process. Unfortunately, it’s easy to overspend, miss payments, and fall into bad credit. The following are five tips for repairing bad credit.

1. Get a Copy of Your Credit Report

Many people may not even know what their credit score is and where they stand regarding their own credit. Once the credit report is obtained it needs to be read through completely and any errors on the report should be corrected as soon as possible. It’s estimated that more than half of all credit reports have mistakes on them.  If you need help disputing any errors on your credit report, you can use a credit repair company such as Sky Blue Credit to assist you.

2. Make Sure all Payments are on Time

Making car, rent, and all other payments in a timely manner every month is probably the biggest factor when determining a credit score. If this has been a problem in the past, it’s time to make it a priority. If there is a legitimate reason why a payment will be late, call the creditor and explain the situation. They may be willing to give you a grace period.

3. Establish a Positive Relationship With a Bank

Having an established bank account with a reputable financial institution in an important part of building good credit. Try to open both a checking and savings account and make regular deposits. Once there is an adequate amount of savings built up ask to take out a small loan using the savings as collateral. Pay the loan back as promptly as possible. This will become part of a positive credit history.

4. Don’t Close Any Credit Cards

A credit score is affected by the credit to debt ratio. If an individual has a lot of debt, closing cards will lessen the amount of credit that is actually available and create a higher debt ratio. If it comes to the point that an account must be closed, it’s important that the credit card that is the oldest remain open. Accounts that have been open for several years will show that a person can maintain credit for a long period of time.

5. Pay Down Credit Cards

Even though it isn’t recommended to close any accounts it’s a good idea to pay down each credit card as much as possible. Paying even a little bit extra each month can make a difference. A large amount of money can be saved over time in reduced interest by paying down high credit card balances.

Following these five tips can go a long way in repairing bad credit. It may take a few years to see the results but improving a credit score will be worth it.

Why I Chose To Get A Psychic Reading

Atlantic City Psychic ReadingsI’ve always been a very skeptical person, but at the same time, I’m a spiritual person as well. I believe in things that I can see, touch and hear, but I have problems believing in the supernatural. No matter what someone says they will or will not do, sometimes things happen to change your mind. I was in a bad relationship, and I was constantly suspecting my partner of cheating on me, and I was sick and tired of guessing, and I wanted some real answers. I didn’t know what I would find, but I decided to go and see a psychic.

The Day Things Changed

My boyfriend had come home from work very late one day, and that was the day that changed things for me. I checked his pockets to find cigarettes, and he’s not one to smoke. I also found a number written in red ink on the back of the pack of cigarettes, and I knew it was not his handwriting. That was a game changer for me, and I decided that I was going to do something about it, because I knew something was not right. I could’ve asked him what was going on, but I knew I wouldn’t get a straight answer, so I decided to go and seek the assistance of a psychic.

What The Psychic Told Me

I went to a psychic months later, and went in with an open mind, and I’m glad that I did. As I sat down with the psychic, she told me to cut a deck of tarot cards, and she began telling me things that she shouldn’t have known. She told me that my future with my boyfriend was ending, and that he was seeing another girl. I was even told what the girl looks like, and why he was choosing her over me. It was very simple, the woman was giving him money, and I believed a man should work for his money. I was heartbroken, but at least I finally had the answers I needed.

What I Was Told To Do

The psychic saw the pain that I was in, mostly because I began to cry. She told me not to worry about it, because I would soon find another man who would become my husband, and we would have children, and be together for many years. If she hadn’t given me such good information, I would’ve been skeptical. She also told me I would be very financially secure in the future, and my old boyfriend would be begging for forgiveness. I left the psychic with a smile on my face.

My Final Decision

I went home, and I threw his things outside. I changed the locks, and was able to bar him from coming home that night. He never said anything to me, he just picked up his items and left. Years later, I have six figures in the bank, a great husband, and two beautiful children!