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The First Step is to admit to yourself that you are responsible for the financial mess you find yourself in.
Moaning about how this creditor or that creditor did you wrong won't get you anything but an ulcer. Now
is the time to concentrate on the future.
The Second Step is to go through your current debts and see which ones are salvagable. Everyday
people throw away their credit tossing good money at old debts that cannot realistically be made current.
Identifying and casting off this "terminal" debt will free up the money you need to "cure" the debts that can be saved.
The Third Step is the most fun. You must repair credit with several tradelines that will
report prompt payment monthly to all three major credit bureaus. Three clean tradlelines showing modest balances
and perfect payment can improve credit scores up by as much as 80 points in just six months.
If Step 3 is the fun part Step 4 is hard part but this is where the magic happens. You can remove all of those awful credit
blemishes that you've accumulated over the past twenty years from your credit reports. You really can and it can happen almost
overnight. When you are done with Step 4 you will have banks throwing money at you and your wonderful new credit.
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