At X-Bankers, we help you take care of your credit ratings

When we negotiate your debts, interest rates and payment plans with your creditors, we expect you to follow the payments as scheduled.

We discuss with your creditors and help you rectify inaccurate reporting or negative information in your credit file and guide you in getting it removed and make changes in your credit ratings.

We educate and keep you abreast of latest information and help you adopt sound and dynamic credit practices which will help you in re-establishing the credit ratings and history in the long run such as:

• Plan your income, expenses and savings on a dynamic basis based on the external factors affecting them
• Try and open a savings account and become a regular, consistent saver, even if it's only a small amount
• Plan to pay yourself first, like saving money as a "bill" you pay to yourself each month;
• When you take your next raise and save the difference in your paycheque;
• Or save 5% of your regular pay automatically, through a payroll deduction plan;
• Take out a small loan using the savings account as collateral, and then pay it back.
• Apply for a secured credit card. Using a secured credit card is a quick way to rebuild your credit rating. As you make regular payments your credit history looks better and better
• Pay your credit card balances on time
• Keep revisiting your income and expenditures on a regular basis until you get a full grip and confidence over it