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The credit repair business is booming due to the poor economy The tips in this article will help you find ways to repair your credit You should request a free copy of your credit report and also your credit score There are many sites online where you can do this, and some will even offer free reports to first-time users It can be done once per year for free You will want to get in touch with your creditors so you can work out a plan Talk with them about the bills you will be paying in increments and about those that will be postponed You can save a great deal of money by avoiding hefty penalties and interest accruals Once you have put plans in place for repayment and have it all in writing, you can start paying down the urgently past-due bills When reviewing your credit information, make note of any negative entries You can contact the credit bureaus if you see false or mistaken information and ask that it be fixed or deleted It is helpful to have all the particulars of a negative entry handy, even if it is accurate http://www.credits-rachat-credit.com Be knowedgeable about your rights when dealing with collection agencies Learn what the laws are regarding debt collection practices Threats made by collection agencies are illegal, and the agency is breaking the law by telling you that you will go to jail Laws differ by state, but most states have laws against this type of verbal abuse You need to be aware of your rights granted by your state\'s laws so you will not be at the mercy of a collection agency Try to maintain credit card balances of no more than 30 percent of your limit This will make paying off credit card debt much easier Having a high credit card balance can be risky and dangerous Some people try to ignore collection agencies, but it is better to try to work with them on payment options rachat credit surendettement In many cases, taking the time to explain your financial situation is all that it takes for a collection agency to restructure your debt, arrange affordable payments or reduce the amount you owe Being proactive and talking to your creditors about your debt can help prevent them from adding additional fees to your accounts http://www.credits-rachat-credit.com The tips in this article are designed to help you improve your credit Start leveraging these suggestions to begin making inroads in credit repair immediately