Tip #61: Get lenders to waive late fees and charges
If you have missed some payments or made some late payments, lenders will often charge you a fee for non-payment. This not only adds insult to injury - you have to pay more on your bills and get a ding on your credit - but also makes bills more difficult to repay since the bills are now higher. You can phone the lender and get the charge waived in most cases, though. This is a secret that credit repair companies have long known and is one of the first services they will perform on your behalf. You can easily accomplish this for yourself, however, at no cost.
Lenders want to get paid, and if they think that you will pay your bill more quickly by waiving the late fee, they will most often gladly remove the fee in exchange for prompt payment.
Develop an Organized Strategy to Repair Your Credit Score
Staying organized and on-track is very important when you are trying to boost your credit score, because there are so many details to follow up on and so many things to remember. A few basic organization tips can help make sure that you do not overlook anything that can cost you your good credit score:
Visit www.credithelp21.com for you very own “DIY” Do It Yourself Credit Repair Kit.
If you are looking for mortgage financing or need to use a free financial calculator go to www.questgroup-usa.com
Tip # 62: Stay financially organized
Keep all your financial records - including tax records - in one place. Note the days you paid your bills on the bills themselves. Note how much you owe and where you owe money. Keeping your financial information in one place allows you to refer to it easily. Seeing all your financial life in one place also makes it easier for you to see where your credit and your financial life still needs work.
Some of the information you may want to keep in your financial file includes:
-Bills
-Tax receipts and forms
-Articles and pamphlets about debt
-Your credit reports and scores
-A list of contacts that affect your financial life (such as your bank and credit agencies, for example)
-Your written emergency plan, detailing what you should do in case of a sudden loss of job or other problem
-Banking information
-Financial forms
-Investment information
-Deeds to your assets (such as your house)
-Agreements you have signed for loans and other financial services
-A list of your financial goals
-Insurance forms
You may want to buy a box and keep your separate information in different labeled folders (tax information together, for example, and bills in another folder) for easy referencing. Whatever system you use, you will find it much easier to manage your finances - and your credit - if you don’t have to hunt for random pieces of paper.
Visit www.credithelp21.com for you very own “DIY” Do It Yourself Credit Repair Kit.
If you are looking for mortgage financing or need to use a free financial calculator go to www.questgroup-usa.com
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