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TopConsumerReviews.com provides unique articles that you won't find anywhere else on the internet. These articles are designed to help you make the most informed decisions possible.

What to do When Your Credit Is Bad

Many consumers assume and hope they are in good financial shape until they go to make a major purchase and are declined. Whether you were aware of your credit issues or were just recently informed, the only way out of a bad credit situation is to take action. Below are some steps to improving your credit score. Remember there's no quick fix available.

Take a Look
Order a credit report from Experian, Equifax and TransUnion - the three credit reporting agencies. Take a look at what each report says about you. Closely look over your credit reports and see what errors exist. Common errors include incorrect account information that is not yours, payments reported late in error, aged items that should be removed, missing details and more. Itís free to dispute errors and is your legal right under the Fair Credit Reporting Act. You can make disputes online, over the phone and via mail. Experts advise following these rules when disputing credit items:

  • Don't dispute several items at once. Only report one dispute per letter, call or online submission. If you attempt several at once the credit agency may automatically assume they are not valid and will disregard.
  • If you are looking for the easiest method of disputing your credit reporting the online route is the fastest but will require you keep good notes.
  • When you do submit your dispute (mail, phone, online) you have to include a copy of the actual credit report item. Highlight which entry you're referring to so that you're effort is not wasted. If a credit agency is confused in any way they will return as such and you have to start the process over.

Get Help
Feeling overwhelmed or know you don't have the time to manage such a detailed project? Several credit repair companies exist today that are relatively affordable, are experts in this field and do a great job of managing the process for you. Many companies can also give you advice to start making smart financial decisions that positively impact your credit score.

Use a Prepaid Credit Card
If you've lost the use of your credit card you can still have the same convenience of a Visa or MasterCard by using a prepaid credit card. Prepaid credit cards are purchased and loaded with the available balance you'll have access to spend. Be sure and identify what fees are accessed with your prepaid card and how future balances may be loaded for your convenience.

In summary, if you have damaged credit the only way out is to take immediate action. Investigate the damage, fight the inaccuracies and get help if needed. A prepaid credit card will help get you through until your credit score improves.

Prepaid Credit Card market by types, applications, countries, companies and forecasts to 2023 covered in latest research

Global Prepaid Credit Card Market report focus on detailed geographical coverage; providing regional and country wise data in terms of market share, sales, growth and forecast with other key aspects l...

Published:  Thu, 13 Dec 2018 12:16:00 GMT



This Week In Credit Card News: Digital Identity Concerns; Wireless Carriers Could Disrupt Banking

[Fast Company] 5 Times It Makes Sense to Use a Prepaid Credit Card Prepaid credit cards often fall forgotten behind debit cards and credit cards. A lot of this probably has to do with the fees associa...

Published:  Fri, 07 Dec 2018 12:11:00 GMT



Search results for "visa prepaid card"

According to a... Goldman Sachs will be purchasing Oakland-based credit card startup Final as part of an acquihire plan. According to Fast Company reports, the... In life, 40 percent of anything is a ...

Published:  Sat, 15 Dec 2018 06:36:00 GMT



Do I Really Need a Credit Card

While carrying large amounts of cash is not practical, alternatives to paying without credit cards do exist. "Consider other payment options, such as a debit card or prepaid card," Bistritz-Balkan ...

Published:  Tue, 11 Dec 2018 12:28:00 GMT



After $4M Funding Round, BlockFi Eyes Savings Account, Crypto Credit Cards

He said the company plans to launch two separate credit cards. One would be similar to a prepaid card, where users will be able to spend funds that they receive from taking out a crypto-backed loan fr...

Published:  Thu, 13 Dec 2018 14:30:00 GMT



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