I'm sure you've probably heard people say "Bad Credit is better than NO credit!" In a nutshell, you're better off with no credit history at all than a bad credit history and score. It's easier to start from the

ground up than having to repair something only to build it again. The only setback is that once you start building credit, you won't have credit history "age". It'll be all new credit. Which can be an issue when needing to borrow bigger or receive higher credit limits. That's why sometimes having a 640 credit score with years of credit history is better than having a 720 credit score with new credit. But, there are steps you can take to change even that. You can discuss that with us later if you'd like... In the meantime, here are a few things you can do when you have little to NO credit to begin the building process.

• Get a credit builder loan
• Make payments on time
• Report alternate payments
• Make complete payments
• apply for secure cards
• Authorized User Tradelines (probably the easiest and quickest way most of all is)

Remember these are some of the basic general steps to take to improve your credit file. It's also important to keep in mind that each situation is different so these are not surefire ways. But, these are the most widely used. As a Virtual Assistant and consulting company we can help you with a particular situation and path. That's why we are not a credit repair company, we don't repair your credit for you. We help you understand your credit so you will be able to not only know how to do it, but why you are doing it, and what you can do to maintain good credit and continue to improve it.

Having a bad credit score isn’t the end of the world. Poor credit can make getting approval for a loan or credit card hard. But rebuilding your credit is not only possible but can be easier than you think. And you don’t have to live with a bad credit score for long. You can repair your credit score in around a year if you stay on it, or even less time than that when working with us... In the meantime, here are a few things you can do when you have BAD credit to begin the rebuilding process.

• Secured credit card
• authorized user tradeline(s)**
• Check out secured loans
• Dispute credit report errors
• Limit new credit inquiries
• Avoid closing old credit cards
• Consolidate debt
• Get credit for paying your rent & utilities
• Credit builder accounts
• communicate with your creditors, and see what you can work out!

Remember these are some of the basic general steps to take to improve your credit file. It's also important to keep in mind that each situation is different so these are not surefire ways. But, these are the most widely used. As a Virtual Assistant and consulting company we can help you with your particular situation and path. That's why we are NOT a credit repair company, we don't repair your credit for you. We help you understand your credit so you will be able to not only know how to do it, but why you are doing it, and what you can do to maintain good credit and continue to improve it. That is more important than just a fix.

Credit isn't the best but isn't horrible? Here are some strategies to quickly improve your credit:

• Pay credit card balances down as much as possible
• Ask for higher credit limits
• Dispute credit report errors
• Deal with collections accounts
• Communicate with your creditors and see what you can work out
• Use a secured credit card
• Have your rent and utility payments reported to the credit bureaus
• Add to your credit mix
• Authorized User Tradelines! (one of the quickest and easiest ways is to build/rebuild credit)

Remember these are some of the basic general steps to take to improve your credit file. It's also important to keep in mind that each situation is different so these are not surefire ways. But, these are the most widely used. As a Virtual Assistant and consulting company we can help you with your particular situation and path. That's why we are NOT a credit repair company, we don't repair your credit for you. We help you understand your credit so you will be able to not only know how to do it, but why you are doing it, and what you can do to maintain good credit and continue to improve it. That is more important than just a fix.

Great Job on keeping your credit up! Having good credit is important. Let's say you want to go from good credit to Great or Excellent credit. Why? For better interest rates, to receive higher-limit credit cards/loans, or even to receive business credit and funding. At this stage it's not about how you can improve it, it's more about where. Our team has the knowledge and insight to get you to the next level. Here are some of the steps you can take to go to the next level.

Pay down your balances ever month as close to 0 as possible

Don't close out any accounts even if you're close to paying them off

ADD TRADELINES!!! (The easiest and quickest method)

Remember these are some of the basic general steps to take to improve your credit file. It's also important to keep in mind that each situation is different so these are not surefire ways. But, these are the most widely used. As a Virtual Assistant and consulting company we can help you with your particular situation and path. That's why we are NOT a credit repair company, we don't repair your credit for you. We help you understand your credit so you will be able to not only know how to do it, but why you are doing it, and what you can do to maintain good credit and continue to improve it. That is more important than just a fix.