Your credit history can have an impact on many things in your life including your job, home, and insurance. Those with little to no credit can find the process of building credit daunting. However, it is vital to ensuring your future. Here are some basic steps anyone can take to build their credit score.
Sample credit repair letters that can be sent to credit bureaus, collection agencies, creditors and others when repairing your credit. Get your sample dispute letters, validation letters, ‘pay for delete’ letters, cease & desist letters, goodwill letters, and ChexSystems letters here.
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Most lenders and creditors write off an account as a bad debt six months after it becomes delinquent. That doesn’t get you off the hook for paying the money you owe, as the debt will appear on your credit report as a charge-off. The creditor can then turn the account over to a collection agency. Although settling an old debt can lower your credit score, it is smart to pay off the debt if you want to apply for a home loan.