Cleaning Up Your Credit Reports

In today's world of increasingly hard to obtain credit, lenders seem to be increasingly looking for reasons to deny consumers credit. Any amount of bad credit on your credit report can make you a high risk to banks lending restrictions. Even though you may have good credit on your credit report, those collections or late payments you may have had during lean times are now affecting your ability to obtain loans and credit. 

This is why it is more important than ever to have a clean credit report. It isn’t enough to have open lines of good credit and a long reporting history, you must also keep negative history from appearing on your credit. Make sure you make all your payments on time and if you run into problems communicate with your creditors to see if they will not report delinquencies if you set up a payment schedule with them. If you can get your account current, the creditor may be willing to work with you on removing the negative reporting you’re your credit report. 

Step 1 Credit helps consumers with their credit report programs to make their credit reports look the best they can. Call today for your free credit consultation.