Avoid bad credit
By following a few simple rules, you can avoid a bad credit rating. If it's too late, get in touch, and we can help with repairing your credit.
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    How to avoid bad credit

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    Maintaining a good credit rating is essential to ensure that you can access credit when you need it with favourable interest rates and terms. Here are con tips to help you avoid a bad credit rating:

    • ● Notify your credit providers of any changes: It’s important to keep your credit providers informed of any changes to your contact information, such as change of address or phone number. This will ensure that you receive important notifications and can address any issues related to your credit promptly.
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    • ● Proactively contact your creditor if a direct debit has stopped: If you notice that a direct debit has stopped but the debt still exists, it’s best to contact your creditor right away rather than waiting for them to reach out to you. This will help you avoid missed payments and prevent a negative impact on your credit rating.
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    • ● Discuss payment issues with your creditor: If you’re having difficulty making a payment, it’s important to contact your creditor immediately to discuss the issue and potential solutions. Ignoring the problem can lead to missed payments, late fees, and a negative impact on your credit rating. 
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    • ● Consider a payment plan: If you’re unable to pay off your debt right away, consider talking to your creditor about a payment plan. This can help you manage your debt and avoid a negative impact on your credit rating. However, it’s important to make sure that you can afford the payments and to stick to the plan once it’s agreed upon. 
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    • ● Get agreements in writing: To avoid any confusion or misunderstanding, it’s advisable to get all agreements with your creditor in writing. This can include payment plans, loan agreements, and any other agreements related to your credit. This will help ensure that both parties understand the terms of the agreement and can avoid any disputes down the line. 
     
    By following these steps, you can take proactive measured to manage your credit and avoid bad credit. It’s important to stay on top of your credit and address any issues promptly to maintain a positive credit rating. 

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