There are many reasons folks may have wrecked credit. Yes, it could be that they just don’t care – but more often than that, it has to do with some sort of hardship. Medical bills, divorce, loss of job, etc…
First, go back in your mind to the time the decline began. Find out what went wrong. The task of credit repair is a lot easier with the cause in mind – and it’s less likely to happen again. Second, gather records. You’ll need to compare those records with what your credit report shows so that you may dispute any incorrect items. More next week!
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