Just face it. You are a shopaholic. Your credit record is poor. You have skipped making payments. Besides, you have made many requests for loans. Does this qualify to be called an offense? Negative. You are just like a lot of other people.

A few people would advise that you have to alter your thought process in order to modify your spending habit. Sure, change yourself if that's possible. But, this essay is not meant to change your character. As a rule, this can't be done.

But because of the way you spend, your poor rating is harming you in a big way. You desperately want to increase your credit rating, and soon. You will now be told how you can fool the credit rating organizations into believing you're on the road to credit worthiness. Just follow these 7 tips faithfully, only for the next 90 days. Of course, you can continue to follow these after that period, if that is possible.

1. Keep To A Budget

For only the next 90 days, conscientiously stick to a budget. Regulate your expenditure, for every week. Do not purchase something that is not essential. Do this only for the next 90 days until your rating gets better.

2. Keep Your Payment History Under Control

How you settled your credit card dues so far has influenced your credit worthiness negatively, true? For the next 90 days, purchase only essential items with your cards and repay card debts on time.

You draw the attention of the credit bureau when you own 2 or more cards. Rather than have many cards with big out standings on all, take out a low-interest loan and settle some of them. Keep the older cards which count for more points as your rating gets better.

3. Do Not Delay Payments

Just for the next 3 months, do not wait till the last minute to settle dues that appear on your credit report. Even if there's a grace period available the loan will still appear on the report, thereby hurting your score. Fool the rating agencies by repaying before the due date.

4. Don't Restrict Payments To The Minimum Allowable

Another method of deceiving the rating bureau is to pay back more than the smallest amount permitted. By doing this, you save interest and owe less. Make sure your card balance is much below the limit in the coming 90 days.

5. Be Careful Of Consolidating Debts

The easiest way of warning the credit bureau that you have a problem paying your debts is to keep applying for loans, to repay older ones. Another alarm bell goes off when you get new cards frequently, enticed by offers. Consolidate debt discerningly, and only if absolutely necessary, for the next 90 days. Even if you are just getting details on the best offers, never give out your name and address, if you can help it.

6. Beat Them To The Draw

In case you are unable to make a payment, speak to them and tell them what happened and before they set their collection agencies after you, which would damage your rating like nothing. When you talk, you can negotiate better if you have a concrete plan on hand. Give them help in formulating another repayment schedule. If you have a say, select an extended repayment period if a smaller installment will help you pay easier, while telling them that you mean to repay.

7. Get Errors Rectified

At times, there are errors on your credit report. If corrections are not made soon enough, your credit score will be hit. Liaise with the credit bureau to see that such errors stop coming on your credit report. You might have to convince them about the oversight, as people at the bureau may not see eye to eye with you on the matter.

Attach your clarifications to your report. Be careful, nevertheless, to avoid blaming anyone. Always appear to assume that any errors could have been inadvertent.

Once the plan is accepted, request that your debt not be revealed to the credit bureau. If your track record of payment on the amended plan is good, they may comply with your wish.

Just do this for only 90 days and relish the feeling of power and confidence it will brings you.

If you require an even better rating, perhaps you may have to extend this time frame of 90 days to 180 days or more.

To read The Credit Secrets Bible and find many more ways of improving your credit report, click here: http://www.houseofrapidcreditrepair.com .

F.Groves has a history of working in financial planning and brings to bear his several years of experience in this industry.