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Do you constantly worry about your credit report? Our helpful tips will lead you in the right direction for credit repair and help you to have a credit report that you can be proud of.

Financing a new home can be a challenge, especially if you have a history of bad credit. See about getting an FHA loan, which are loans that the federal government guarantees. FHA loans can even work when someone lacks the funds for down payment or closing costs.

If you have credit cards with balances that are greater than fifty percent of the maximum, you should pay those down as quickly as possible. It's best to keep all of your credit cards below the fifty percent mark! If you have a balance that is more than 50 percent, your credit score will drop. If you can, pay the balances on your cards; if not, do your best to pay as much as possible each month.

To improve your credit rating, set up an installment account. Choose an installment account you can afford, since you will have to leave a certain amount of money on it at all times. Your credit score will significantly get better if you get an bad credit loans $1,000 account.

Make sure you research a credit counselor before you visit them. Some credit counselors offer real help while others have more dubious things in mind. Also be aware that there are other credit counseling services run by dishonest people. These services are scams and should be avoided at any cost. It is wise for consumers to not give out personal information unless they are absolutely sure that the company is legit.

Contact the credit card issuer with a request to lower your card's limit. This helps you from overspending and shows that you want to borrow responsibly and it will help you get credit easier in the future.

If getting a new line of credit is vital to your credit repair efforts, look into joining a credit union. Credit unions sometimes have better rates and more options for your credit rather than a large bank. You can base this on how well the economy is in your area instead of the national situation.

If you see any erroneous information on your credit report, file a dispute so you can have the information removed. Include proof along with a letter disputing the claim to the agency that recorded the errors. Make sure that you ask for a return receipt so that you know your letter makes it to its