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Your credit is more than just your ticket to taking out credit cards, buying a car, or buying a home. Nowadays, every financial move you’re planning to take will be based on your credit. As unbelievable as it may seem, you may not even find a place to rent if you have bad credit.
What if the Information on My Credit File Is Wrong?
If you spot any form of error on your credit report, you will need to contact the credit agency and ask for them to sort out the wrong information. This may require evidence to prove that you are not at fault.
Where Do I Start If I Have a Poor Credit Rating?
The first step you need to take is to make sure that your payments are made on time to all of your creditors. If unfortunate events force you to miss a payment, be sure to contact your lender and inform them of the situation instead of simply running away. Pay them as soon as possible and pay off any outstanding defaults.
You should request a copy of your credit history and make sure that everything is up-to-date and accurate. For example, if you’ve had a judgment but have already settled the debt, make sure that it was correctly reflected on your file.
If a bankruptcy order has been discharged make sure that a copy has been delivered to credit bureaus.
It is also crucial to be registered on the electoral roll. For many people, simple measures such as being registered on the electoral roll and filling out forms correctly can make a huge improvement on their credit rating.
You should alert credit referencing agencies if a lender pulled out a copy of your credit report more than once during a single application.
Technically, credit reference agencies allow people to explain their side as to why they have performed poorly. You can actually attach a simple report explaining why you missed your payments.
How Do I Build My Credit History?
One simple way to boost your credit rating is by taking out credit cards or store cards. Use them wisely and make it a habit to pay off the balances in full.
While opening up a variety of accounts can help speed up the process of building your credit, be sure to avoid high-interest rates and clear off balances quickly. Never miss your payments as it will make managing your debt even more difficult.
It may also be worth asking family or friends to co-sign a credit card or a loan with you. This increases your chances of getting approved and at the same time an opportunity to prove your credit worthiness.
Keep on applying for credit even if you have been refused by others, but make sure you check the reason why after every rejection. Also, space out your applications wisely. Too many applications can be bad for your credit score as well, so be sure to apply only to those which lending criteria match yours.
I’ve Never Had Credit But I Was Still Turned Down
Many people complain that they have been rejected despite not having credit to begin with. The truth is, the lending industry is all about confidence, and you can only gain a lender’s confidence if you have a proven track record of paying off your dues. That in mind, you may have better chances with having little and questionable credit than having no credit at all.