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Bad credit consolidation loans can be an important step in rebuilding your credit. But it’s only one step. Having a correct credit report is also an important step. Your credit report may be incorrect and contain errors. Making sure your credit report is error-free is your responsibility. If you are burdened with high-interest debt and have a bad credit rating or FICO score, a bad credit consolidation loan along with your efforts to have an error-free credit report will help improve your creditworthiness.
Start by calling a lender and telling them you want to apply for a bad credit consolidation loan. He will order a copy of your credit report in minutes and the process will begin. You will have to face the fact that you don’t have a clean credit report, but lenders have experience handling situations like yours. And what a relief it will be when all your credit card bills, medical bills, and even car loans are listed as PAID IN FULL on your report. Because that’s what happens with a bad credit consolidation loan. They pay off all your outstanding bills, consolidate them into one loan and simplify your life. ONE BORROWER, ONE PAYMENT.
Now you can work on reviewing and correcting any inaccuracies in your credit report. A few things for you to know:
oAs an adult, you have the right to receive a free copy of your credit report once every 12 months from any of the major credit bureaus – Experian, Equifax and Transunion – by phone or mail. There is no need to pay anyone else to get a copy of your own credit report for you. Once you receive your free report for the year, you will be charged a small fee for any report you request after that.
oWith annual credit report, you can download your report to your computer within minutes after verifying your identity. After you receive your credit reports, check them for errors. Make sure the bills on the report are yours and the amounts owed match your records. If you notice any errors, you will find instructions on how to correct them on each credit bureau’s website.
o There is no need to pay anyone to correct your credit report. If a credit repair service guarantees that negative information will be removed for a fee, they are not telling the truth. No one can remove negative information that is true (for example, that you were 30 days late on a payment card account). If you can prove an error on an item, the credit reporting agency will remove it.
Consolidating your high-interest debt into a bad credit consolidation loan, correcting any errors in your credit report, and staying on top of your payments will rebuild your credit and should see an improved FICO score within three months. months.
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