You do not have to live with bad credit! You can establish good credit, but act now! It can take time to do this!
 

Here are a few really good ways to establish good credit:

  1. If you are overextended and a homeowner, do what you can to consolidate your debts. Click here to learn more about consolidating your debts.
  2. Pay off all delinquent, past due accounts, judgments, liens, etc. This will not remove the account from your credit report, but it will show you have cleared up past issues and can move forward to establishing good credit. The longer these items remain "unpaid," the longer it will take to establish good credit. If you are a homeowner, click here for more information.
  3. Keep all credit you now have current. This simply means pay all of your house payments, credit cards, automobile loans and any other credit on time!
  4. Get new credit! This can be achieved by getting creditors to extend you new credit opportunities. This can be difficult as most creditors require good credit. A Catch 22! Click here to learn more about creditors that will allow for poor credit.
If you follow these steps, you will be on the right track to establishing good credit and reaping all the benefits of good credit!
 
Now really get control of your credit...
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