If you are concerned about getting a loan that you need because of your bad credit loan rating, or even if you were already denied for credit, don't give up hope. There a number of things you can do to get the cash you need at the rate you want. Even with a bad credit loan rating.
The first thing you need to do is order a copy of your credit report and review for two things: errors and the negative items that need to be fixed.
One in four credit reports contain errors, which is no surprise considering that the reporting agencies rely on lenders and creditors to provide accurate information for millions of people and transactions. Unfortunately though, there's also a chance that those errors are significant enough to actually hurt your credit score, even if they are inaccurate. By simply pulling you're a copy of you free credit report, carefully examining it for mistakes, and properly filing a dispute, you can increase your credit score in 30 days, or much faster if you know what you are doing.
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The second step is to find out exactly what is causing your bad credit loan rating to be what it is. On your credit reports, highlight all of the negative items, and rank them from greatest impact on your credit score to lowest. A bankruptcy, for example, will have a much greater impact on your rating than a single late payment you made on your credit card four years ago.
Your next step is to identify which negative items you have a chance at immediately repairing. Some will be easier to fix than others, but any big blemishes are worth trying to remove.
What things hurt your credit score the most? Bankruptcy, for one, will have a big impact. From there you want to make sure you are only using 30% or less of your available credit to debt, check that there are no accounts closed that should be listed as open (as a long history can help your score), and discover what negative items exist on your report that you can have removed. When you identify and effectively fix just these three areas, you can turn your bad credit loan rating into a good credit score in just a matter of days. As a result, you can go back to those lenders that denied you credit with your updated report and instantly get approved for the loan you need.
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