Credit Problems? How to legally reduce or eliminate all your debts.

How to Rebuild Your Credit

You are the only one who can "fix" your bad credit. There is no shortcut to erasing bad credit records.

YOU CAN IMPROVE YOUR CREDIT-WORTHINESS BY:

• Obtaining a prepaid credit card.
• Obtaining and properly using retail credit cards
• Get an RRSP loan. They are often available regardless of  your credit.
• Paying your bills on time and in full. Late payments and collections can have a serious impact on your score.
• Not applying for credit frequently. Having a large number of inquiries on your credit report can worsen your score.
• Reducing your credit-card balances. Maxed out cards will affect your Credit Score negatively.
• Requesting additional credit. Not having sufficient credit can negatively impact your score. Of course if your score is too low, this will not work
• Reducing your total indebtedness
• Closing unneeded credit accounts

BEWARE ANY CREDIT REPAIR OFFER

IS A FRAUD AND A SCAM

A Credit Bureau Will Not Remove

Accurate Negative Information

from your credit report before the legal time period has expired.

No one can force, coerce, con a credit bureau into removing accurate negative information

It will remain on your file for six years.

Beware of Credit Repair Scams

Credit Repair offers are a fraud and a scam Do not get taken in. Rebuild your credit properly See  why no one can repair your credit rating but you  Beware

There are no "loopholes"

or laws that credit repair companies can use to get correct information off your credit report.

They do not have an insider who will fix it for you.

You are stuck with your bad credit

which in fact you created in the first place. You have to pay the piper.

Do not get taken in. Rebuilding your credit takes time and effort. Your credit history will remain on your credit report for seven years.

Obviously, you will need to be scrupulous about paying every bill on time. Never miss by even a day.