HEADLINE: If you are even THINKING of Landing That Perfect Job, You Better Take a Hard Look at Your Credit NOW!
Kudos. You’ve decided the economy is finally improving. It is time to pursue the American dream and a bigger paycheck. STOP! If you do not check and fix any credit problems now, you may be just wasting your time. HR will toss out your application like TP (sorry) even though you are more than qualified. Here are the steps to take if you are a Mogul-in-Training.
First, you’ve heard this before:
Go online and obtain copies of your credit reports from Experian, Equifax and TransUnion. Relax. At http://www.annualcreditreport.com, they are free. Next, take the time to closely review them. If you find any errors, file a dispute report to have them removed. You want to do this in writing online at the website or mail a certified letter.
Calculate how much you currently owe. It can be shocking to learn that the amount has skyrocketed, thanks to nasty penalties and rising interest charges. Keep copies of everything. Decide how much you can afford to pay in full.
If you can’t, immediately contact a trusted Top Debt Settlement Company. I strongly believe this is the way to go as they are experts and know how to negotiate lower payments. Research. Research. Research.
No matter what, do your homework or you fail my course! Get your PHD in improving your credit so bosses will compete to hire you. Check out http://www.myfico.com for more knowledge. Knowledge is power.
Congratulations! You’ve studied hard and you are ready to become a Master of The Universe after acing Credit 101.
Prof. Terri Kruger