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Credit Repair Techniques Of The Pros

Introduction

Effective credit repair requires a combination of technical and legal skill along with a healthy dose of common sense. The technical approach requires an understanding of the inner workings of the FICO credit scoring model. The legal approach uses aspects of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) to gain maximum leverage when dealing with the credit bureaus and collectors. And finally, common sense brings good old fashioned debt and credit management into the picture.

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One effective strategy for rebuilding your credit is getting a new credit card and using it properly to establish a new, more responsible credit history. However, you should not get just about any credit card. You need to find the right card even if you have poor credit at the moment. It may be difficult but you can find one. Be realistic; do not expect to find credit cards with the same features that you enjoyed before, when you still had very good credit. Realize that credit cards approved for people with poor credit usually have low credit limits and are charged higher interest rates. Read all post…