Finding a new place to live can be a hassle as you have to call up landlords, investigate the area, tour your new potential living space, and to top it all off, find a way to move all your belongings. Another headache that many first time renters are not aware of is that a lot of apartments and rental properties require a credit check for their new potential tenant.
Property managers and landlords will often require such a credit check from renters before they can move in. This is because they want to make sure the renter is financially responsible and able to pay rent on time. Not only that, you may also find the same thing required by utility companies.
But what if you do not have established credit? You pay everything on time, you have bought your used car with cash, and avoid credit to avoid any hassle with debt. Unfortunately, creditors, lenders, and landlords all need a way to check your financial history to make sure you are responsible. Paying in cash to avoid debt is a great way to, well, avoid debt but a bad way to build a credit score–that’s just an unavoidable fact of life.
Of course, there are ways around this headache of checking a credit history if you have none, and that usually means paying more than you need to. A lot of times utility companies and property managers would forgo a credit check if you can put more down on the deposit. The landlord may ask for double the usual amount of the deposit. The utility company may also require a deposit in order to start providing electricity or gas in your new home.
But the easy way to avoid these financial headaches is by just having a credit history. That’s why it’s important to start establishing a form of credit history as soon as possible for any future financial endeavors.
There are multiple ways to start establishing a credit history. The most common and easiest way is to grab a credit card or, if you don’t qualify for that, a secured credit card. A credit card, even if you don’t need it or don’t use it, is an optimal and easy way to start building your credit.
A credit will not suck you into the abyss of debt if you use it properly. For example, getting a credit card with a $1,000 limit would allow you to buy a monthly soda or subscription service. Cheap and easy things that can be paid off with little effort are prime ways to build good credit.
If you have a poor credit history we at Fix Your Credit Consulting can help you get started improving your credit score. Call us at (877) 212-2450 for a free consultation. We are an established credit repair and consulting company that can aid you in building better credit.
If you have any questions, feel free to give us a call at 877-212-2450!
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Ok so I've been holding off writing this review for about 7 months. And as you can see by the 5 stars I left I'm beyond happy with the services this company provided me. I was skeptical at 1st even though they had stellar reviews (which is why I chose them) but there's always that thing in the back of my mind of "well they probably won't be able to help me though, I will be that exception they cant fix". Needless to say they absolutely crushed getting EVERY collection I had off my report!!! I had about 5 grand worth of stuff on there that they managed to make disappear like magic. My credit has shot up over 150 points! I cannot say enough good things about them. I even referred my coworker to them after and they sent me a $50 referral check back! If you're looking to clean up your credit, don't wait, call these superstars and get on your way to feeling confident about your credit again. I feel like a huge weight has been lifted off my shoulders and I'm so grateful. Thank you fix your credit!!!
I worked with Mia and Said for over a year, I believe. They were beneficial and responsive. Although we were not successful with all of my accounts, they still helped me raise my credit by about 100 points. So I stand satisfied. I recommend them. Not to mention there prices are very competitive. Thank you all.
I called this place about 3 months when I decided it was time to fix my credit. I spoke with Mia, she walked me thought the whole process in a 5 minute phone conversation. It was simple enough so I decided to pull the trigger and signed up. Its only been 3 months and already they have removed negative items and improved my score significantly. I strongly recommend to give them a call as soon as possible, I waited too long and I wish I would have called sooner. I will update in a few months with the final results.
These guys are legit and professional at what they do and very quick as well very responsive and knowledgeable and they will do everything they can on your behalf
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