Are you looking for a guide to fix your credit? Then, keep reading....

Having bad credit affects not just what you want now, but also what you can have in years to come. Your credit score will affect everything from hire purchasing to getting a mortgage. Bad credit ratings generally come from missed payments on things such as loans, mortgages, and credit card payments.

But just imagine if you were in the prime sector of ratings. Then, you may not drop any points whatsoever. That might not sound fair, but it is true. Also, there is no way to know for sure how many points you will drop for missing payments. It is completely unpredictable, and you never know exactly what is happening.

This book covers the following topics:

• Basics of credit repair
• Is credit repair ethical?
• Self-credit repair step
• The debt snowball
• What is section 609
• General advice to see success with 609
• How to proceed with the letters
• The templates you need (609 letters) 
• How to boost your credit score 100+ points?
• How to find credit cards with guaranteed approval?
• What the credit bureaus and the lawyers do not want you to know
• How credit scores are calculated
• The right mind-set for credit management
• And much more!

Credit company bosses are getting fat on the profits you give them in interest payments each month. Do not let that happen! If you need to build up credit because you do not have any or because you have extremely bad credit, then you need a plan to get back on the right track.

If you have no credit but you manage to get a credit card, do you think it is better to pay the balance all off at once every month or pay it off in installments? Many people would say pay it off every month.

But think about it: If you pay it off in full every month, you are effectively not borrowing any money; therefore, you do not have any score on your credit rating. If you pay the debt off in installments you are building up your good credit rating.

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