How to Repair Bad Credit

GET YOUR CREDIT REPORT - You are allowed one free credit report each year. Contact one of the online agencies that can help you get the free report. It is totally free. You should not have to pay anything or join a service to obtain your free report. If you have already obtained one, you will have to wait another 12 months from the date that you requested it before you can get another free credit report. You also can get your free credit report from each of the three top credit reporting agencies, so essentially you can get three reports, one from Transunion, one from Equifax and one from Experian.

DISPUTE DISCREPANCIES - If there are errors or derogatory information on your credit report that you do not agree with, you can dispute it. Dispute each error separately and dispute it with each agency that is reporting the error such as Transunion, Equifax and Experian.

FOLLOW THROUGH - Many times after you dispute an error the credit reporting agencies will ask you to send back up or proof. Make sure that you provide them will all of the information that they are requesting. Keep original documents for yourself and send them copies of what they are requesting.

Knowing how to repair bad credit can turn your credit around and save money.

WAIT - It may take some time to get errors on your credit report cleared up. Also even truthful information that is derogatory will eventually time out and fall off of your credit. For some things such as bankruptcy, it may take ten years before it is removed, for other things, such as foreclosure, you can buy a home again after three years although it will still be on your credit.
All of your bad credit will eventually go away. Take action today to repair your bad credit and keep your credit good. Take care of it just as you would a small child. Your credit needs to be babied. Get started today to rebuild your credit.

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How to Save Money on Christmas with Kids

Have you been wondering how to save money on Christmas this year because you have kids? It is not good to burden young children with financial crisis, although you may want to tell them when they are older and and your crisis is over. They will be happy that you made it through tough times without affecting their childhood.

Start planning now to have the best Christmas ever for your children and family.

CHRISTMAS TREE - Buy a fake tree this Christmas. Fake trees will last seven to ten years. No one will know that it is fake after you have it decorated. You will always be the first one on your block to have your tree up each year. You will save hundreds of dollars by reusing a fake tree each year. It is also good for the environment since you are not cutting down a tree.

Buy your favorite tree because you will be looking at it for many years to come. Every time you put it up, it will remind you that you made it through these tough times.

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GIFTS - Make gifts this year instead of purchasing gifts. This is a great idea if you have children because they love craft projects. You can weave a decoration on a door mat, make a candle or make your own soap.

You will save plenty of money making gifts for others that you will be able to buy your kids the thing that they want most. Find out what they want and buy them just one "big" gift from Santa. If it is really what they want, you won't need much else. You can also fill their stockings with things from the dollar store.

Knowing how to save money on Christmas with kids will help you to get through tough times.

CAROLING - Go Christmas caroling with family and friends. It is an inexpensive way to spend the evening with your children. You will not have the big expense associated with a Christmas party, yet you will enjoy the evening with your favorite people. Children love the idea of giving to others by singing.

If no one appears to be home, move on to the next house while caroling.

Make sure you plan ahead and invite as many people as possible, the large the group, the better the caroling. Bundle up because it is bound to be cold.

If you need more information about how to save money on Christmas with kids please look here.