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Bad Credit is not the end of the road for you. You can fix bad credit by yourself but you need to know what steps you must take. It is not as easy as you might think. Before you can fix bad credit you need a copy of your credit report.

You have to request a copy you from all three major credit reporting agencies.

Credit Scores

These are not hard to get. A lot of sites offer these for a small fee. When you get one make sure to look at all your accounts and check for any errors. Make sure you fix the errors right away. The errors can lower your score fast.

If you think your FICO scores are low

You can do a quick solution. Go to your bank or your counselor. With both, you should be able to get your scores back up to the acceptable range. Depending on how well you do it, you may be able to go with a pre-paid credit card. A pre-paid credit card works just like a credit card. You deposit a certain amount and you use the card the same as a credit card. The difference is that you have to pay off the pre-paid credit card to continue to use the cards.

How to Get Bad Credit Help

If you don’t know where to start to fix your scores then you should use a self credit repair program. Just remember if you do not take action now you will not be able to get out of debt. The program you use will be your everything. It will include new debts you pay off, your financial life, and budgeting.

Having good credit is essential. You need a good credit score rated under 720 to have any realistic chance of getting a loan or financing. That is where most people lie with a 700-list even.

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