Miami Credit Repair – How to Repair Your Credit Scores Yourself
Miami Credit Repair
“CREDITED REPAIR TO YOURSELF” – The first sentence is what I hear most often when people ask about Miami credit repair. “How easy can it be? Remove errors from your credit report, increase your scores, and be done with it!”
Well, as far as easy it is, it really depends on which credit bureaus you’re dealing with. Each credit bureau is different, and they have their own processes for credit repair. Some credit bureaus will gladly get back to you within a few days, while others will take weeks before getting back to you. Credit Supreme, however, is different: we’ll get right back to you in a matter of hours, sometimes even minutes!
“ADDICTED TO DISAPPEAR!” – The second sentence in this credit repair message is what many people hear after filing for bankruptcy. You probably didn’t think you were going to end up in such bad shape after bankruptcy, but that’s exactly what happens. The credit report shows your bankruptcy, and the credit scores show you just how bad off you are.
“MEDIOCRIGHT NEEDS” – As your credit gets better, so do your payments. But don’t stop there. You still need to make extra payments to your credit card companies, to your mortgage company, and to your car dealership! If you can only make your minimum credit score payments on time, your credit will never improve.
How to Repair Your Credit Scores Yourself
“MISSING CARRY-ON UN CLAIMS” – If you have bankruptcy papers, you may not be able to sell your home. In fact, if you sell your home after having filed for bankruptcy, you will not be allowed to buy back that home. ” MEMORY TRUST” TRADES – If you have a credit history, but no credit cards, then you could have a “memory trust,” which would show up on credit reports. If you don’t pay your bills, but “borrow” money from a friend or family member, you could have a “memory trust” registered which shows up on credit reports.
“FAILURE TO MAKE Payments” – If you are delinquent on a bill, then you probably cannot afford to make your payment. If you file for bankruptcy, then you cannot buy back your home. A “failure to make payment” report will be on your credit history for 10 years. This will prevent you from getting home financing at affordable rates.
If you are trying to purchase a new home, then you should have researched the subject of Miami credit repair. The time to fix your credit is while you are trying to buy a new home. So, you need to fix your credit before attempting to buy a home. A credit repair company can help you get your credit scores as high as possible.
But, what if you are already behind on your credit scores? Then you should begin immediately to have your credit report raised to the highest possible rating and then begin working on lowering your debt to credit ratio (DTR). If you don’t start working on lowering your debt to credit ratio, then within three years of being in debt, your credit report may already have been lowered to the point where it is almost impossible for you to buy another home. A credit repair company can help you raise your credit scores to the highest possible rating.