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Improving Your Credit History

Like it or not, we live in a world today where every move you make is undoubtedly recorded by somebody somewhere … especially if you’re making financial moves. Let’s say you subscribed to one of those 12-CDs-for-the-price-of-one programs a few years ago and decided that Barry Manilow’s Greatest Hits wasn’t the record you wanted. Well, you tried to cancel, but of course this scam-gram wasn’t having that, so instead of letting you off the hook, the bombarded you with “final notice” letters. Of course, you ignore them and they eventually stop sending you letters. But did you know that this move will haunt your history?Even though the practices of these semi-legitimate services are shoddy at best, a failure to comply with the miniscule small print on the contract will leave your credit report blotched. And just when you’re financially stable, ready to move into that dream home but need the bank’s backing for a $200K loan, that little stain will turn into a mudslide and prevent you from getting a loan. How do you fix this? Think back…Whatever happened to pigeon mail anyway? So many of our conventional ways used to work just fine but were phased out for the latest and greatest. Well maybe pigeon mail isn’t the finest example, but what about the age-old savings account? That used to get a work out if you spotted something you wanted. And if you ever found yourself in a financial pickle, you could always go to your boss for a cash advance loan- no problem. These days it’s a little more complicated. The boss is three levels above you in the building and it’s our make-believe money in the credit world that is getting the work out. Hence our rising defaults and climbing credit debt, we need to start working to tie up those loose ends regardless of how painful it is to go against your principle and feed the kitty of a scam artist or unsavory business. Lenders should only offer money to reliable people. You may have 99 of 100 bills paid off in your life, but it’s always that one that does the damage. You can request a copy of your credit report from the proper channels and see which mistakes need to be corrected. After you know where you went wrong, begin by calling the people and setting up an appointment, either by telephone or in person, to express your willingness to repay the debt to get this situation behind you. The vast majority of collectors will be thrilled that you’re willing to pay, and all too willing to work with you. After all, their primary objective is to receive money, not to smear you for eternity. They don’t deal in spite; they deal in dollars and cents. And what makes the most sense is for them to work out a payment plan with you. But you have to make the effort; after all, it’s your credit report stained, not theirs.However if you find yourself on the line to an uncooperative lender only too willing to make life difficult, you will need to get your hands on cash fast. Try a fast cash loan if you find yourself in this type of financial predicament. As long as you stick to a reputable company, you can get a few hundred dollars in your hands within the day, sometimes wired to you bank in as little as an hour. Once you handle your problems and have your credit report cleaned, you should shine a little bit brighter in the eyes of lenders. But it’s no guarantee that you’ll receive a loan. If you find yourself here, having exhausted your options or simply don’t want to waste time with a bank, once again a cash til payday loan may work in your favour. Check that they don’t do rollovers, have a flat rate and nominate all of their fees up front or in their contract and you should be on the home stretch. Just remember, you don’t want to be reliant on this type of credit forever. We need to take it back to the days when credit was a little more novelty. No longer can we get swipe happy in our imaginary cashed up land. Your finances are very much real, and are very important to keep a close eye on.