The process of credit repair can be achieved through hard work and discipline. Easy methods, which can help you get out of poor credit history, can be quite tempting. However, these easy way outs can only lead to further difficulties in the future especially if they are done illegally. In case your poor credit history is caused by circumstances beyond your control, you can always request for an upgrade in your credit rating to your creditor. However, this can only be done if you were able to make amends to your credit records after the circumstances. Creditors do not normally trust consumers who default on their payments. This can pose a difficulty to you in obtaining a new credit. However, once you are able to demonstrate enduring stability in your income and prompt patterns in your payments, the situation can improve in the span of two to three years. This way, even though there is a case of bankruptcy, you are likely to be eligible for credit cards within two years if the steady income is maintained.
Keep in mind that there are no quick fixes in repairing your credit. By contacting credit bureaus, creating your own corrections, budgeting and consolidating your debts can improve your own score.
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