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Credit repair may be the light at the end of your bad credit tunnel. When you have bad credit it has a serious impact on your finances. Even one negative listing on your credit report can remain there for up to five years. This makes trying to access finance extremely difficult; the loans you are approved for usually come with higher rates or you may not be approved for finance at all.

If you have bad credit it's important to continue to manage and improve your finances to give yourself the best chance of being approved for a loan. If you're considering enlisting the services of a credit repair agency, we will take you through everything you need to know.

People who suffer from having a bad credit history may find it harder to deal with lenders. Most lending companies prefer clients with good to excellent credit and if your credit rating falls short of their expectation, your application can get easily declined or disapproved. But what if you’re really in need of financial assistance? Where can you find the right kind of help?

 1. Obtain a credit card if you don’t have any Having and using a credit card or two can really build your credit score. If you cannot get a regular credit card, try 2  secured credit card, where the bank gives you a credit line equal to...

     You can certainly improve your credit rating with a variety of credit options or by keeping accounts open even when you’re not using them to improve your credit utilization ratio. But our five tips are the primary principles for crafting a good credit reputation. After all, you can’t run away from this credit rating business — so you might as well do everything you can to face it with a smile.