In times of need it is very likely we will all need to borrow money for one reason or another. Throughout the recession we have all experienced the gut wrenching feeling of being strapped for cash. If you do have bad credit then there are ways that will allow you to borrow money although there are obviously restrictions along with this.
In order to prevent yourself from entering adverse credit then there are certain steps you can take to avoid it at all costs!
Make sure you are monitoring your accounts on a regular basis, it is important to monitor your incoming and outgoing funds. This will allow you to manage your spending in comparison to what you are earning ? from this you can work out how much you intend to borrow and over which period. This kind of managing can allow you to prevent identity theft ? although this is something you would think could never happen to you, it can and does happen and is important you prevent it!
- Pay your bills on time to prevent any late payments which could result in late fees which we could all really do without!
- At the end of the month make sure you can pay off your credit card bills in full as you don?t want to be carrying over any extra payments to the upcoming months as this could result in a heavier charge which will break the bank balance.
- Check your credit report ? Regularly!
If you follow these steps and get yourself into a routine and in the mind frame of checking your credit and you are slowly paying off borrowed amounts then this is likely to bring your credit score up.
Source: http://www.personalfinance4all.com/how-to-keep-your-credit-history-clean/
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