However, they can't work miracles. You're going to have to build your credit rating up over several months by paying all your bills on time and lowering your debts, especially credit card debt.

Having a credit score below 620 is considered having poor credit, a score this low will bar you from being able to get a loan many times. So getting your score over this number is extremely important. The next number to shoot for is 720, almost every lender considers this number and higher to be good and you will be able to qualify for the best interest rates possible.

So, fix a credit report by getting any collection and disputes taken care of immediately. Start paying down any high interest credit cards, and be absolutely sure that you are never late for any bill payments and slowly but surely your credit score is going to start to look great.

Achieving a good credit score through cleaning up a credit report has never been more critical than it is today. Having good credit not only allows us access to capital for a home, business loans, auto loans and others, it also saves us thousands upon thousands of dollars in interest payments.

If you don't have a good credit score, and if you debts get too high, it's very difficult to break out of the debt cycle. You have to get focused, create a plan, and lower your debts to raise your credit score. Once you get on the right path, everything in your life just becomes easier. You'll find that your financial picture gets much rosier and your dollar goes much farther when you create a realistic budget and begin paying down you debts slowly but surely.

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