Make Your Bad Credit History A Thing Of The Past让您的不良信用记录过去的事情

You just applied for a mortgage, a car loan, a home equity advance and you were turned down.你刚才申请抵押贷款，汽车贷款，房屋资产提前和你被否决。 What happened?发生了什么事？ You didn't realize how bad your credit history was until this new episode.你不知道坏您的信用记录直到这一新的插曲。 Once you have got over the shock, get started on finding out just how bad your credit really is.一旦你拥有了冲击，开始找到了多么坏您的信用卡确实是。 Get your free credit report from all three of the big three reporting agencies - Experian, Equifax and Trans Union.获得免费的信用报告从三个大的三个报告机构-E xperian的， E quifax和跨联盟。 You are entitled to one free credit report a year from each of them.您有权一个免费信用报告每年从每个人。

So is it really an ouch or a series of errors and glitches.因此，它真的是一个镂刻或一系列的错误和问题。 Go through all the credit reports and make sure every single item reported there is absolutely accurate.通过所有的信用报告，并确保每一个项目的报告是绝对准确的。 One of my credit accounts recently showed a bankruptcy filing against a store account that had been fully paid off four years before.Since, I've never filed bankruptcy, you can imagine how that made me feel.我的一个信用账户显示，最近申请破产保护对一家商店的帐户已全部付清四年before.Since ，我从来没有申请破产，你能想像如何让我感觉。 My credit score had dropped precipitously as a result.我国信用评分已急剧下降的结果。 That was bad enough, but getting the entry removed was not easy.这是够坏，而是要进入删除是不容易的。 It took months and numerous letters and copies of documents including a copy of the bankruptcy filing by another person with the same name as me.经过几个月的许多信件和文件副本，包括一份申请破产保护，由另一人以相同的名称我。 All of this merely to say, mistakes are made.所有这一切都只是说，错误的意见。 Get your reports to accurately reflect the real you.让您的报告，以准确反映你的真实。

Once the reports are accurate, you need to work on the "bad" history.一旦报告是准确的，你需要工作的“坏”的历史。 Missed and late payments will all be there for the world to see.漏诊和延迟付款都将有让全世界都看到。 Vow not to miss any more from now on and set all your accounts on automatic withdrawal to take care of the future.发誓不要错过任何从现在起，并设置您的所有帐户自动撤回照顾的未来。 Just remember to write up your check book accordingly.只记得写你的书相应的检查。 You don't need to add unapproved overdrafts to the history.您不必添加未经批准的透支的历史。

If you have any debts reported that you have not paid off, contact your creditor and offer a plan to repay the debt over time.如果您有任何债务的报告说，你还没有付清，请联络您的债权人，并提供了一个计划，以偿还债务的时间。 Most creditors are more than willing to work with you.大多数债权人更愿意与你一道工作。 A paid debt is worth a lot more to them than an unpaid one.付费的债务是值得更多的给他们不是无偿的。 The fact that repayment came late will not weigh as heavily as a debt ignored or avoided.事实上，偿还了年底将不重量为重的债务忽视或避免。

Start paying all your current obligations on time.开始支付所有您当前的义务时间。 The more you put on automatic withdrawal the better since you can avoid late payments due to getting too busy or forgetful.你越是把自动撤回更好，因为您可以避免迟缴由于太忙碌或健忘。 You should be aware that 35 percent of your credit score is calculated on the timeliness of your payments.您应该知道，百分之三十五您的信用评分计算的及时性，您的款项。 If you pay down all your credit cards to less than 50 percent of your credit lines will help your score as the available credit expressed as a percentage increases.如果您支付您所有的信用卡不到百分之五十的信贷额度，将有助于您的评分为提供信贷以百分比表示增加。

Realize that repairing a bad credit history is something that will take time.认识到修理信用不良记录的东西都需要时间。 As you make the changes suggested you will find that your history will steadily improve.正如你使修改建议您将发现您的历史将稳步提高。 At some point in the future you will be able to move through the levels until you have a good rating on your credit and your FICO score will reflect this also.在未来的某一时刻，你将能够通过移动的水平，直到您有一个好的评价您和您的信用评分菲佐将反映这也。

As you work on your credit practices, adopt a simple budgeting plan for your finances and stick to it.正如你的工作您的信用卡的做法，采用一个简单的预算计划，为您的财务状况和坚持下去。 Be sure to curb spending, particularly those on luxuries you can do without and start saving.一定要遏制支出，特别是那些奢侈品可以没有，并开始储蓄。 Make a savings cushion of 6 months living expenses a goal.使储蓄垫6个月生活费的目标。

With persistence and discipline you can make your bad credit history a thing of the past.随着毅力和纪律，您可以使您的信用不良的历史成为过去的事情。 Good luck!祝您好运！

Jim Ferris is a seasoned advisor to those with poor to bad credit.吉姆费里斯是一位经验丰富的顾问，那些穷人信用不良。 When you face difficulty with financing and are looking for lenders who you can go to without fear for mortgages, consolidation loans and other high risk vehicles.You'll find the answers you need given by Jim and his colleagues at http://www.badcreditovercome.com当您遇到困难的资助下正在寻找放款谁你可以到没有恐惧的抵押贷款，巩固贷款和其他高风险vehicles.You ，我找到答案您需要提供的吉姆和他的同事http://www 。 badcreditovercome.com

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