Consejos:
Reducir Mis Deudas
Tel: 1-866-MIS-DEUDAS
Tel: 1-866-647-3383
Reparar Informe de Crédito Tel: 1-844-REPARAR
How to Repair my Credit Report
Reducir Mis Deudas
Reducir Mis Deudas
Tel: 1-866-MIS-DEUDAS
Tel: 1-866-647-3383
How to Improve Your Poor FICO® Credit Score - If you have fallen behind in your payments, begin immediately to repair your credit record. Here are some tips when facing this problem.
- Recognize that you are overextended, and contact your creditors to see if they will set up a new payment schedule that you can maintain. In any case, don't ignore your bills.
- Immediately stop purchasing with credit. Take your credit cards out of your wallet. Store them in a spot that is hard to reach, or even cut them up.
- Consider consolidating debts. You may find it easier to make a single payment rather than several. You might also get a lower interest rate that will make it easier to keep up with payments. Remember that debt consolidation is not a cure-all. You have to learn to control your spending to avoid future debt.
- Contact a credit counseling organization. You can obtain referrals for organizations in your area through the National Foundation for Consumer Credit.
- Don't expect miracles. Don't believe companies that promise to fix a poor credit rating quickly and painlessly for a fee. As long as it is accurate and timely, negative information cannot be removed from your credit record. The only way to improve a credit record is to let time pass and establish a record of on-time payment.
About Divorce and Credit
Aside from its non-financial effects, divorce can cause problems with your credit record. The end of a marriage does not erase the debts you and your former spouse took on as a couple. Even if your former spouse is ordered by the court to pay debts from the marriage, you can become liable if they are not paid. Here are a few suggestions to protect your financial standing:
- Decide how to divide or dispose of property. If necessary, you can use a mediator to work through this with your former spouse.
- Close or separate joint accounts. Decide with your former spouse who will be responsible for paying bills, and notify your creditors of your divorce.
- Establish independent credit, if you do not already have it.
- Make sure bills are paid.
- Recognize that you are overextended, and contact your creditors to see if they will set up a new payment schedule that you can maintain. In any case, don't ignore your bills.
- Immediately stop purchasing with credit. Take your credit cards out of your wallet. Store them in a spot that is hard to reach, or even cut them up.
- Consider consolidating debts. You may find it easier to make a single payment rather than several. You might also get a lower interest rate that will make it easier to keep up with payments. Remember that debt consolidation is not a cure-all. You have to learn to control your spending to avoid future debt.
- Contact a credit counseling organization. You can obtain referrals for organizations in your area through the National Foundation for Consumer Credit.
- Don't expect miracles. Don't believe companies that promise to fix a poor credit rating quickly and painlessly for a fee. As long as it is accurate and timely, negative information cannot be removed from your credit record. The only way to improve a credit record is to let time pass and establish a record of on-time payment.
Aside from its non-financial effects, divorce can cause problems with your credit record. The end of a marriage does not erase the debts you and your former spouse took on as a couple. Even if your former spouse is ordered by the court to pay debts from the marriage, you can become liable if they are not paid. Here are a few suggestions to protect your financial standing:
- Decide how to divide or dispose of property. If necessary, you can use a mediator to work through this with your former spouse.
- Close or separate joint accounts. Decide with your former spouse who will be responsible for paying bills, and notify your creditors of your divorce.
- Establish independent credit, if you do not already have it.
- Make sure bills are paid.
Consultas Gratis 1-866-647-3383 Tel: 1-866-MIS-DEUDAS
Debt and Credit Information
- How to Reduce My Debt
- How to Manage Debt
- Improve Your FICO Credit Score
- How to Learn About Credit
- What Is a FICO Credit Report?
- Credit Bureaus Information
- The Equal Credit Opportunity Act
- The Fair Credit Billing Act
- Fair Debt Collection Practices Act
- Lender Denied Credit
- The Three Major Credit Bureaus
Consolidacion de mis Deudas
- Consejos Tarjetas de Credito
- Desea transferir su deuda a una tarjeta de transferencia de saldo
- 3 Consejos para Transferir Saldo de Tarjeta de Crédito
- 5 Cosas de Hacer Despues de Transferencia de Saldo
- El Embargo Hipotecario
- Aliviar Deudas de Propetarios
- Como Salir de Endeudamiento
- Deudas Préstamos para Educación
- Pagos de Hipoteca Atrasados
- No Puedo Pagar Mis Deudas
- Learn About Debit Cards
- Reducing Credit Card Debt
- About Debt from Credit Cards
- How To Manage My Credit Line Balances and Debt Balances
- How to Reduce My Debt