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Guides and Tips for Credit Repair Problems
www.prepaidcreditprofessionals.com
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How Will Your FICO Score Affect You?
Having good credit is very important and most people realize this fact. However the thing that most
people do not realize how their credit can affect their daily lives. Most people are also unsure
about how to increase credit scores that are low or credit histories that are bad. This article will
cover three major areas of your life that a bad credit score can affect and also what you can do to
increase credit scores that are low.
Three Ways Bad Credit Will Affects Your Life
Reason #1- Obviously the major reason that you want to have good credit and high credit scores
is to have the ability to easily secure loans and credit cards at low interest rates. The rates on any
loan from mortgages to credit cards will be affected by your credit score. In addition you will also
need great credit to qualify for those special financing deals you hear advertised, like the zero
percent car loans!
Reason #2- Not only will having a good credit score and a clean credit report help you to get good
loans with low interest rates but it can also help you get a job. Thats right a job! Today many
employers are turning to peoples credit histories to thin the herd of applicants they receive for job
openings. The thought on checking an applicants credit is that if you cannot pay your bills on time
or be financially responsible then you will not make a very good employee, true or false it is what
they are doing and there is no way to avoid it!
Reason #3- Another area where your credit score and credit history is very important is your auto
insurance. Here again auto insurance companies are looking at clients credit scores to determine
the insurance rates they pay. While many people argue there is no correlation between a credit
score and they way you drive the insurance companies beg to differ and continue use this to
determine your insurance rates!
What Can I Do If I Have a Bad Credit History Or Low Scores
One of the best ways to boost your credit score is to obviously pay your bills on time and not take
out to much debt. However items can stay on your report for up to 10 years. So that means that
credit card you blew off in college is still on there and hurting your chance s at a good job, low
insurance rates and good loans. Luckily the law is on your side and you have the right to dispute
items on your credit report and get them removed, this is a process called credit repair!

2. Tips For Doing Self Credit Repair
The process of Self Credit Repair is a fairly straight forward and simple process if you have the
right plan to follow. However If you go into it unprepared you run the risk of failing or damaging
your credit further. To avoid hurting your credit you should get a proven Credit Repair Program like
the one posted at www.prepaidcreditprofessionals.com.
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Guides and Tips for Credit Repair Problems
www.prepaidcreditprofessionals.com
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