If you know that you are what is called a "credit risk," you probably are feeling that as a derogatory connotation. That can be the motivating factor for you to explore the return to good credit.
For many folks, it will be possible for them to manage their path back to "good credit." through their own determination and willingness to confront the problem.
There are some basic steps that need to be taken to solve the credit problems that are occurring. Initially, know your credit score. A score over 700 is known to be "good." A 3 digit number under 700 can be problematic. Find out this information via your credit score.
Credit Bureaus will be the source of this information. There are 3 credit bureaus: Experian, TransUnion, and Equifax. One can get a free credit report from each every year. There is a fee for the credit score. See www.annualcreditreport.com for details.
It is possible that each of these reports may actually be different. Therefore, it is very important to obtain all three report for comparison.
When you finish comparing them, review each report for errors. You will need to DISPUTE ANY ERRORS. There is no quick fix, but repairing your credit is a work in progress.
You will document any and all errors along with the reasons for the errors. You will send this written documentation with a copy of the credit report to each agency. Remember to keep copies of all documentation for your records.
Please approach this part of the process carefully as you would any DIY project. Deal with problems along the way, stay calm and this part of the project will get finished.
