Tip #101:

Keep at it Credit repair is not something that you simply do once in a while when your credit rating slips below 620. Credit repair and credit check-ups need to be part of your overall long-term financial plan. You need to follow a regular maintenance schedule of checking your credit reports regularly (you can get one free credit report from each of the major credit bureaus every four months, which lets you check your credit for free three times a year).

Regular check-ups will ensure that you have not been the victim of identity theft and will help you make sure that your credit has not begun to slip. Catching errors and problems early can be an excellent long-term way to ensure that you never need intensive credit repair again. Your credit should be part of your financial goals because your credit can help you meet your goals. Good credit can help make loans affordable, and so can help make education, homes, and cars possible. Your credit score will not stay steady - it may drop due to oversight or if you suddenly open some new loan accounts. However, overall you should continue to follow the strategies in this report in order to develop good habits that will keep your financial life stable and will help keep your credit score overall in good repair.