If you have been racking up debts lately, inevitably your credit score will be badly damaged thus it can hurt you in so many ways including your car insurance, car loans, getting a job, applying for a housing loan and utilities.
Imagine that your life is completely overwhelmed by debts and it has restricted your freedom of seeking pleasures of life.
Therefore, it's time to learn to become a samurai warrior by slicing your large chunks of this particular score problems off into tiny slices so that you can deal with every small problem at one at a time.
Step 1: A samurai warrior always identify the weaknesses of his opponents - "himself" and "bad credit problems" A samurai warrior often meditates to maintain the tranquility of identifying his own weaknesses.
In that case, you need to identify your current score and write the exact score on a piece of paper.
Once you've written on a piece of paper, aim for the ideal credit score that you want to achieve - for example: I will increase my credit score from 400 to 700.
Remember this line - You're your worst enemy that reminds you to change your negative attitude towards your current bad credit score.
Step 2: A samurai warrior strategically attacks his foe with his wits - not just brawls By using this approach, you can start cleaning up your credit reports if there are some reporting mistakes done by your creditors.
Solving such problem, you have to write them a letter by informing major reporting mistakes that prominently affect your current credit score.
You have to include related copies of supporting documents as your reference or solid explanation.
Step 3: A samurai keep practicing his sword-playing technique as hard as he can Besides that, you have to be discipline and dedicated in order to get things done smoothly.
In addition, hard work and consistency are attributed to overcome bad credit score by develop good spending habits.
It's a practice of paying more than the minimal monthly payment as well as paying your bills promptly.
Basically, interest rates are lowered when you've paid more for your monthly payment.
This is the way of re-establishing your good standing status to your creditors that will gradually repair your credit score over certain period of time.
Step 4: Seeking allies to topple your opponent You can get support from others via online forums that you can get resourceful opinions from forum users.
Make use of social media sites such as personal blogs or websites to seek practical guides that can help you to get rid of your problems much sooner.