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  Mending Your Credit Rating

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مُساهمةموضوع: Mending Your Credit Rating   الجمعة 15 سبتمبر 2017, 2:57 am

There's no shame in admitting you have financial troubles. After all, when the economy took a hit, it was only natural that individuals took a hit too. The sad reality is that thousands of people have struggled keeping a roof over their head and food on the table. In this struggle for financial survival, credit cards got maxed out and now the reality of not being able to get below the credit limit hurts.

With credit cards maxed and not being able to make minimum payments, your credit rating is taking a massive beating in the financial arena. Oh sure, you can say you aren't planning on getting any loans any time soon, so who cares, right? You should care. Life has a tendency to throw curves at us from time-to-time and those curves can leave us in serious trouble. You never know when an emergency happens and you need money fast; family emergencies, car break downs are some examples of what can happen.

Getting your credit rating in good standing and having those credit card balances sitting below 75% of the available credit is essential. You may be wondering, just how important is a credit rating anyway? All of us have a credit rating and it is a legal record of our financial responsibility. This record is monitored at Equifax, TransUnion Canada and Experian and our record indicates if we are trustworthy of receiving credit. It isn't just banks or other financial institutions that want to know how trustworthy you are, landlords, utility companies and other businesses who lend you something want to know if you are high-risk.

Having a poor credit translates to major difficulties in trying to obtain a mortgage, loans, car loans and even a cell phone. Poor credit hampers the ability to rent an apartment, appliances or furniture. Companies that advertise 'no money down and no payments til next year' advertise 'OAC', that means on approved credit.

The sad reality is that these three companies that have our credit ratings do not take hard times into consideration. Job loss, lay offs and wage cuts can happen, and credit ratings should grant some leniencies, but they don't.

So, you may already be aware, your rating is not an enviable one and you want to do something about this. As crazy as it may sound, taking out a loan to help reduce those credit cards and establishing a good payment record is a step in the right direction. In addition to the benefits of consolidating your debt and making an easier monthly payment instead of multiple payments to many creditors, the benefits will quickly be seen on your credit rating.

Getting a loan to improve your credit rating only makes sense. You can try obtaining a loan at your bank, but if they won't consider doing business with you, there are other options.


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Mending Your Credit Rating
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