Advice 1: How to fix credit history

The crisis has passed, and the financial status of citizens has improved significantly, but the credit is not so simple. The loss of a job, outstanding credit - that's all it what you're facing millions of people a few years ago. Fix a bad credit history, but most importantly, and this time not fail.
How to fix credit history
Instruction
1
The first thing you need to do is take the credit.
To take a loan will not be easy. You need to look for a Bank that does not use the credit Bureau. In the extreme case, you can take a loan in an ordinary Bank, but everything will be settled exclusively by Bank employees. After assessing the risk of non-payment you will be charged interest on the loan. It is clear that they will be higher than in other cases. But once you can overpay.
In some cases, taking a loan to persons with bad credit history may be required guarantors.
2
To pay the loan on time. It is desirable to make the amount of the next payment in advance. You on delay of payment even for one day.
3
When you pay the full amount of money, your bad credit history will be closed positive. Next time will give a loan at lower interest.

Advice 2 : How to improve your credit history

Bad credit history brings a lot of inconvenience, the banks refuse to give credit, which is sometimes so necessary for full happiness. But this is only the visible problem, the collecting Agency is also not asleep, and make visits to the hapless debtor. Well that credit history it is possible to correct what is not true about collectors, they will make unexpected visits.
How to improve your credit history
Instruction
1
To fix your credit history, take out a small Bank loan which does not make requests to the credit Bureau. These banks are really a lot, so if you put a little more effort, the search will be successful. After approval of loan application, try to dampen it a little ahead of schedule for a few days. When you pay the full amount, your credit history will improve, and banks will be more willing to cooperate with you.
2
Can go into any Bank and write a statement to the security service. Your application will consider, but you should not rely on a large amount. You, if approved, will be given minimal credit for the maximum percentage. But be patient, next time will give you a loan under the General lending conditions.
3
Also you can make contact with the same Bank that you owe money. If your problem will be reconsidered and you will pay the debt, you can edit the credit history. But that's not all the banks wish to communicate with the debtor, but try still stands.
Useful advice
Do not contact any agencies that promise to fix credit history for the money. The payment they will take and give guarantees, but only credit history will "forget" to fix it. Unfortunately, other legitimate ways to fix it are only a few, and the rest of the round.
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