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TIP! Repair not only your credit, but the root of your problems. Some people have their credit ruined by factors out of their control, like an ex who was spending money during a marriage that the person didn't know about, but if your problem was just reckless spending on YOUR part then I'd recommend joining Shopaholics Anonymous and getting help.
TIP! Dispute your credit report mistakes via a letter, NOT online. Courts ignore online disputes and you will end up losing if it gets to that point.
TIP! An important tip to consider when working to repair your credit is the importance it could play in a marriage. If your credit is worse than your spouse, or even bad enough to be turned down for any type of loan, then not only would your spouse be burdened with being responsible for all the loans but they might not qualify for others if your score brings your qualifications down enough.
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