|Improve Your Credit|
|Rental Guide - Evictions|
Create a positive credit historyYour credit report shows how well you managed your financial responsibilities during a certain period of time. Negative information drops off over time, but the positive information remains. To create a positive credit history:
Getting helpIf you begin to fall behind on your payments:
Be an educated consumerGoing to a credit repair clinic will not be of help to you. There is nothing any credit repair clinic can legally do for you – including removing inaccurate credit information – that you can't do for yourself for free, and their fees can be substantial, ranging from hundreds to thousands of dollars. The Credit Repair Organization Act is a federal law that prohibits credit repair clinics from taking a consumer's money until they have fully completed the services they promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment.