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If you have any charge accounts now, or have ever borrowed from the bank to buy a car, or if you are paying on a mortgage, there is credit information on you. Up until a few years ago, you could only guess at what your credit rating was, because the credit bureaus who keep track of borrowers wouldn't tell the borrowers anything! But that's been changed through several laws, and now the bureaus have to send you your credit file when you request it.

If you've been denied credit on the basis of their record, they will send you a copy of that record without charge, if you request it within 30 days of the credit denial. If you haven't been denied credit but just want to know what your file says, you can click here  to obtain your FREE no obligation online Credit Report. 

It is well worth your trouble to obtain your report. You may well find (because thousands do) that there is a piece of misinformation that is injuring you without your knowing it, which you can straighten out by submitting copies of documentary proof (never mail originals of anything important - it may get lost in the mail) of bills paid, payments made, etc. Click here to get your free Credit Report today.

If, for one reason or another, you are not listed, or they have insufficient information on you to "rate" your suitability for credit, you must take steps to correct this.

If you have no record because you hold no cards and have no charge accounts, or because you have just come in from out-of-town, then you'd better start assembling one. It may sound a little ridiculous, but nobody will lend money to someone's who's always paid cash! You have to have borrowed money or run up charges and paid them back to be able to borrow larger sums as time goes along.

Start with the local merchants in your immediate area, the ones that already know you. Even if you  don't need it right now, ask them if you can set up a charge account with them. In most cases they'll be glad to oblige you, they already know you're local, and that you patronize them regularly.  When you get the credit, charge a few items each week, and pay your account promptly when presented.

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What is the Price you are already paying for Bad Credit?   If you are making payments on a car, you are probably paying between $5,000 and $9,000 more in interest just for having bad credit. This added interest shows up every month in a higher payment. Credit Status Rate Payment Over 5 years Monthly Cost of Bad Credit Perfect 10% $424.94 $0.00 $0.00 Mildly damaged 14% $465.37 $4,722.54 $76.17 Damaged 20% $529.88 $8,593.30 $138.60   Bad credit in auto financing can really hurt, but it is nothing compared to the cost of bad credit when a home is involved. A typical home can cost between $50,000 and $130,000 more in interest if you are buying the home with bad credit, as indicated below. Credit Status Rate Payment Over 30 years Monthly Cost of Bad Credit Perfect 7% $655.30 $0.00 $0.00 Mildly damaged 9% $804.62 $50,155.24 $139.31 Damaged 12% $1,028.61 $130,791.63 $363.30   If you are looking to make a major purchase in the next 6 to 12 months you should obtain copies of your credit reports from all three credit agencies ASAP. You can learn more about obtaining and reading your reports as well as a variety of ways to dispute negative information by ordering your copy of "Give Yourself Credit".

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