Take these simple 6 steps to put your financial concerns under construction and reestablish the credit you need and deserve.

Dave Says YES wants to help you Reestablish Credit.

Your credit is extremely important when trying to assure lenders that you're a good credit risk. Dave Arbogast has had the pleasure to work with thousands from the Dayton, Ohio are to not only obtain car loans, but to reestablish credit for future loans to come.  Take these 6 simple steps to build the best credit record you can:

1. Open checking and savings accounts.  Lenders want to know you have a checking account available to pay bills. A savings account indicates you are putting aside something for the future.

2. Get a copy of your credit report.  Most lenders base their lending decisions on credit worthiness. Obtaining and reviewing a copy of your credit report can help you understand how you measure up to lender's standards.

3. Correct any errors or omissions on your credit report.  Some credit reports include errors or out-of-date information. If you find errors on your credit report, call the credit reporting agency.

4. Collect positive information about your payment habits.  Collect positive information about your payment habits. The more positive information you provide about yourself the more comfortable a lender may feel about granting you credit. If you've borrowed money before, get positive confirmation from the lender that you've repaid the debt.

5. Apply for credit.  Apply For Credit Consider applying for a small loan at your local bank. Apply for a secured credit card. You deposit a certain amount at a bank. In return, you are issued a Visa or Master card with a credit limit equal to the amount of your deposit.

6. Once you have credit, use it wisely.  Once you have credit, use it wisely. Charge small amounts on each card. Don't max-out your credit cards. Once you have been approved for one credit card or loan, don't go out apply for several more. Pay your bills on time. ALL THE TIME.

Credit Reporting Agencies
     Equifax: 800.685.1111 or www.equifax.com
     Experian: 888.397.3742 or www.experian.com
     Trans Union: 800.888.4213 or www.transunion.com

The Federal Retention of Public Record and Collection Items
     Bankruptcy - Chapter 7 & 11 = (Open. Discharged or Dismissed) Retain 9 years and 11 months from date filed
     Bankruptcy - Chapter 12 & 13 = (Discharged or Dismissed) Retain 6 years and 11 months from date filed
     Judgments = (Satisfied or Unsatisfied) Retain 6 years and 11 months from date filed
     Tax Liens = Non-related - Retain indefinitely Retain 6 years and 11 months from date filed
     Third Party Collections = (Paid or Unpaid) Retain 6 years and 11 months from date reported.

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