27 Jun

Write or ask your creditors to minimize the credit limits on all your accounts. This will lower the amount of credit available to you. Even if you no longer have any debts, total available credit will still be considered by lenders. It will help you stay afloat and keep you loaning wisely.

Have a relative or friend with good credit standing co-sign should you make a small loan or start a credit card or account. Reputable individuals will help make you look better in front of companies even if you currently have bad credit. After some time, you will be able to gain more independence as your credit history improves.

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