| Believe it or not, your Credit File could be | | | | have paid an outstanding judgement or default |
| repaired with just a phone call or letter. | | | | and it isn't recorded on your Credit File, |
| If you do have legitimate information on your | | | | you need to notify Baycorp Advantage of this. |
| Credit File that could result in you being | | | | |
| rejected for a loan, there are still things | | | | Believe it or not, your Credit File could be |
| you can do to improve the situation. | | | | repaired with just a phone call or letter. |
| | | | If you do have legitimate information on your |
| So you've got a bad credit problem and you're | | | | Credit File that could result in you being |
| spending your days taking phone calls from | | | | rejected for a loan, there are still things |
| debt collectors, receiving letters of demand | | | | you can do to improve the situation. Now I'm |
| in your mailbox and watching your bank | | | | going to tell you! |
| account slip further into the red? The | | | | |
| situation isn't good, however have you ever | | | | How to Repair a Serious Credit Situation - |
| thought of it as an opportunity? This is the | | | | The Three StepsGot a serious bad credit |
| first thing you simply must do. If I was to | | | | situation and a litany of problems in your |
| emphasise this any further, I would be | | | | Credit File? No problem! Here's what you |
| leaping out of your computer monitor and | | | | must do to regain control and repair your |
| shaking you (in a good way)! Once you see | | | | credit: |
| your situation in a positive light, you can | | | | |
| make the change you need to make, to ensure | | | | 1. Enlist a financial or debt repair company: |
| your future is financially secure. Put | | | | Take a good look around in newspapers, the |
| simply, it's time to put yourself into credit | | | | Yellow Pages, the internet and by watching |
| repair mode! You need to check what's on | | | | television commercials. There are so many |
| your Credit File and clean up the mess, so | | | | companies out there that can help you. They |
| you can rebuild your credit and enjoy life in | | | | are all willing to take a fee and help you |
| the land of good credit where the banks | | | | sort out your situation. 2. Speak to a bad |
| literally fall over themselves to throw money | | | | credit mortgage broker: Bad credit mortgage |
| at you! | | | | brokers specialise in helping people with bad |
| | | | credit get a home loan that is good for them. |
| What Good Credit MeansIn the situation you | | | | They also help these people get control of |
| are currently in, bad credit might be the | | | | their financial situation so their future is |
| only thing that is keeping you from buying | | | | bright. Find the right specialist broker and |
| your own home. Perhaps you are renting right | | | | get mortgage ready today! Bad credit |
| now, and watching your money beefing up | | | | mortgage brokers can help you to consolidate |
| somebody else's equity? Maybe you feel like | | | | debt, clear debt and get a savings plan |
| the situation is completely helpless and | | | | underway so you can own your own home |
| lost? The good news is that you can secure a | | | | sooner.3. Obtain a copy of your credit |
| mortgage with bad credit, however by | | | | report: You need to know what your Credit |
| restoring your Credit File and going back to | | | | File looks like in order to improve the |
| a good credit situation, you are getting your | | | | situation. Simply visit to find out how you |
| financial house in order, which means you are | | | | can obtain a copy of your file. Identify the |
| on your way to a strong financial future. | | | | credit problems, negotiate with creditors to |
| | | | pay your debts and be well on the way to a |
| Here a just a few reasons why it's a good | | | | strong financial future. |
| idea to restore your Credit File: | | | | |
| | | | Get Your Head out of the Sand!Too many people |
| - There may be an error in it: A company you | | | | simply think if they ignore a problem, it |
| dealt with may not have reported details | | | | will go away. You certainly cannot do this |
| correctly. | | | | with financial problems, as you probably |
| | | | already know. Take action today to restore |
| - Somebody may have fraudulently used your | | | | your credit and get back on the road to a |
| name: Maybe somebody stole your ID and tried | | | | good credit situation! |
| to apply for credit on your behalf, without | | | | |
| your authorisation. | | | | © Julian Thornton, Designer Mortgage |
| | | | Solutions Pty Ltd, 2006. |
| - Resolved items may need updating: If you | | | | |