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We have heard from many of you that you are dealing with bad credit and don’t know where to start. We received this email from Annie: 

Hi, KCL! I wanted to write in to get your opinion about what to do with bad credit. My husband and I have a been trying to rebuild our credit after a foreclosure and I don’t really know where to start!  Please help! 

If you have bad credit, you might want to check into a few resources that can help you find a solution to your credit problem. The first thing you need to do is be pro-active! 

The first step is to collect copies of your credit report from the major credit bureaus. Credit bureaus compile and sell information about consumers (us) and are a principal source of information about your credit history.  You are entitled to receive a free copy of your credit report if you have been denied credit within the past 60 days. If you have not been denied credit within the past 60 days, you can order your credit report by paying a fee.  You can also get a limited Credit Report for FREE from Credit Karma!  *As a side note: please be careful where you order your credit report , especially if online. If someone is advertising a FREE credit report but requires you to enter a credit card number, they will likely be signing you up for a monthly subscription– so be careful. 

Next, review your credit report, watching closely for errors (items that do not belong to you). Dispute any errors on your reports immediately with the credit bureaus. Any errors or inaccurate information will be deleted. Under the Fair Credit Reporting Act all negative information seven years old or older must be deleted.  A bankruptcy or foreclosure will stay on your credit report for up to 10 years (or longer, depending on the state). Once you dispute the negative information, you will receive a copy of your report from the credit bureau, showing the items that were removed and the items that were verified as accurate. The dispute method of removing negative information from your credit file can improve your credit rating and is well worth the effort! 

Rich, Ray and Dan are the guys behind Credit Rating University, and they are passionate about helping people with all aspects of their financial lives!  Right now, they are offering their Credit Rating Success Kit for only $9.95 when you enter Krazy3223 at checkout!   As always, if you would like a specific question answered by our experts, leave a comment and they will try to address it!