How to fix bad credit history?

If your financial diary appeared "two", then erase it no longer happens. But there is always an opportunity to correct his reputation to the bank, that is to prove that you have stumbled only once, and continue this will not happen again. Each borrower can spoil your credit history, allowing, for example, late on a loan. This disorder can permanently block your access to credit. But there is a solution. Paradoxically, you should seek new loans and pay them properly, so that over time, positive information blocked the negative. Collecting evidence main goal - to convince the bank that you have stumbled by accident, as well as in life, you're very responsible person. As proof, we can bring to the bank paid on time over the last 2 years of utility bills. In your favor would speak and the random circumstances that pushed you on the right path: the disease, a reduction of the work, the delay of salary. To keep abreast of times, credit history and may suffer from lack of attention of bank employees, who give false information to the bureau. Well, that each borrower is entitled once a year free of charge to check their "dossier". Noticed an error, please contact the bank with a demand to fix. If the words do not help, feel free to go to court.