Five Tips To Repair Your Credit Score

1. Five Tips To Repair Your Credit Score By: RL Kramer

2. Getting financially fit comes at top of our list, but where to begin? • Having a good credit score can provide you a stable financial life. The foundation of any sound financial plan is a good credit score and if you are lagging behind, it is time for your credit repair. • The majority of Americans have plenty of room for improvement when it comes to their credit scores. Having a better credit score means that you will get better interest rates for loans and credit cards, helping you save money in the long run. rlkramercreditrepairpro Creditrepair-pro.com | RLKramerLLC

3. Here Are The Five Tips Which Can Increase Your Credit Score.

4. Review Your Current Credit Report You can obtain one free credit report per year from each of the three credit bureaus — Experian, Equifax and Trans Union. An annual review helps ensure your report is up-to-date and accurate. Also, your report might contain errors if you're a victim of identity theft. Overall, reviewing your credit keeps you informed about your financial situation. rlkramercreditrepairpro Creditrepair-pro.com | RLKramerLLC

5. Identify Your Biggest Problems • Not all credit issues are equal. • If you have a bankruptcy, judgments, or liens on your credit profile, you’ll want to address these first before others. • Likewise, prioritize finding errors in collection accounts and charge-offs as these generally impact your credit scores more severely than a single late payment. • If you’re unsure of where to start or feel overwhelmed by too many decisions, talk to a credit repair expert or take help of credit repair services. They will guide you on how to tackle disputes in a smarter manner. rlkramercreditrepairpro Creditrepair-pro.com | RLKramerLLC

6. Double-Check for Zombie Debt • While you go through your credit report, pay attention to the dates and confirm that if any current negative items are still eligible to be listed on your account. • This is a common tactic that debt collectors use to try to trick you to pay for a debt that is past the reporting limit. • In cases like these, disputing the debt is your best option, as paying the debt may have little to no impact on your credit scores. • It’s your responsibility and right to get zombie (no longer owed) debt dropped off your credit report for good. rlkramercreditrepairpro Creditrepair-pro.com | RLKramerLLC

7. Get Prepared for Dispute • Under the Fair Credit Reporting Act (FCRA), you have the right to dispute all incomplete and inaccurate information in your credit report. • Here’s what you need to do to dispute incorrect information in your report: • Send a certified letter requesting debt validation from the creditor and wait for a response. • If you don’t get a response within the 30-day timeframe, file a dispute with the credit bureaus asking them to remove the inaccurate debt. • If you receive a response, you may still be able to dispute if the information provided is incomplete or inaccurate. rlkramercreditrepairpro Rlkramer.com | RLKramerLLC

8. If It’s Too Much to Handle, Hire a Credit Repair Expert • Keeping track of the laws, timelines, and written disputes can be a stressful task. If you’re worried about handling your credit repair yourself, it is better to speak to a reputable credit repair expertto get yourself on track. • Often, these services can handle everything for you and meanwhile you can focus on enjoying your new found financial freedom. • If you need help choosing a reputable credit repairservices, then we suggest you take help from Richard Kramer, a renowned credit repair consultant, who is helping people repair and improve their credit scores and maintain a healthy financial lifestyle for nearly 35 years.  rlkramercreditrepairpro Rlkramer.com | RLKramerLLC

9. Credit repair is not an overnight job, but the results are lasting and worthwhile. • Once you improve your financial past, you can live with a calming peace of mind and you’ll also be able to look happily towards your future. • Everyone makes mistakes while using credit cards but luckily, it’s entirely possible to repair the damage within a reasonable timeframe. • By following each of these five steps, you’ll have the knowledge and the power to use credit card carefully. rlkramercreditrepairpro Creditrepair-pro.com | RLKramerLLC

10. RL Kramer LLC Address: 424 Baker Ave, Unit 1664 Whitefish, MT 59937 Phone: 406-730-7989 Fax: 866-352-2595 Email: information@rlkramer.com rlkramercreditrepairpro Rlkramer.com | RLKramerLLC