Cincinnati Credit Repair

Cincinnati Credit Repair

A Handy Guide To Cincinnati Credit Repair

Being forced to live with bad credit because of the poor decisions that we have made in the past is obviously less than ideal. That's why Cincinnati residents who are looking to make the right choices about credit repair will want to read on and learn more about the following tips.

This handy guide to Cincinnati credit repair is designed to help all of those who need to learn more about the best ways to address their issues. These can assist anyone in Cincinnati who finds themselves in dire straits financially and keep them from experiencing long term issues that keep them from achieving their goals and dreams.

1) Obtain Credit Reports

While it is great that we want to repair our credit, we cannot handle this process until we know exactly what it is that we need to repair. This is where the obtainment of our credit reports comes into play. If we do not take the time to do so, we are placing ourselves in a position where we do not even know what we are trying to fix. We need to learn more about all of the mistakes that have been made in the past regarding our credit score before we can truly tackle the repair process.

2) Review The Reports

Once we have gotten our hands on the reports, it is time to review them for ourselves. We simply never know what we are up against until it is time to look over the credit reports. Once we have had a chance to review for ourselves, it is much easier to ascertain what errors need to be fixed and what areas need to be addressed immediately.

3) Dispute The Errors

When it comes to the process of disputing errors on our credit report, time is always of the essence. We have the right to dispute any aspect of our credit report that we believe to be incorrect and this is one of the most important credit repair steps that we can possibly take. By taking the time to order a credit report, we give ourselves a much greater chance of disputing the transactions that have fraudulently taken place.

4) Address Accounts That Are Past Due

The payment history that we have built up for ourselves will play a major role in our credit history. It makes up a sizable percentage of our score and if we do not address accounts that have been allowed to make their way to collection agencies, we limit our ability to repair our credit. It would be nice if we were able to attribute our low credit score to mistakes but there are going to be areas that we will need to address.

5) Bring Down The Highest Account Balances

The account balances that we are currently facing go a long way towards affecting our credit score. This is what is known as the utilization principle. The more of our credit that we utilize, the harder it becomes to keep our scores low. If our credit cards are maxed out or we are only paying the lowest possible portion of our monthly bills? It is going to be far more challenging to repair our credit.


Cincinnati Credit Repair
A Debt Coach Credit Counseling Service
71 Cavalier Blvd St 224, Florence, KY 41042

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