Several conditions that need to perform again and you welcome clients.
First – check your credit history. It is possible that you do not spoil it. The data on your credit history, stored in a bank can not comply with these data. They can be changed by someone else’s negligence or even criminal way. Make a request to the credit bureau. If your wine – fix the situation if the error occurred bank officer – send your request to review your history and fix it.
Second – never take extra credit obligations. Confusion and promiscuity in credit life speaks volumes about your serious attitude to finance. Life on the principle of “live today, and tomorrow will show” will not add the bank’s confidence in the fact that you pay off on time and in full.
Third – Pay all your bills, whether utilities payments on existing loans, etc. Careful constancy in paying your bills will raise your ranking of reliability and, of course, greatly improve your credit history.
Fourth - open a credit card for a small amount and repay the loan on time. Opening and constant updating of even small amounts of deposit account in the bank you will also be characterized as a wealthy man. Thus you position yourself as a trustworthy payer.
Damaged credit history – not a sentence
Just try to live within your means. Spend as much as you can afford. Live within our means – a great escape from the debt trap. Plan, Do your budget and you will soon see that you not only have enough money for current expenses, but you will also be able to postpone for the future. It is always pleasant to spend their own money.