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Credit Repair
- The Legalities of Credit Repair
A bad credit report can be an obstacle in the way of securing credit, obtaining a lease, and even being offered a desirable job. Since a credit report is designed to be an accurate depiction of a
- The Importance of a Good Credit Rating
A good credit rating is more than just an obscure number that will guarantee you credit when you need it. These days, creditors arent the only folks taking a gander at credit scores. Insurers,
- Successful Strategies for Clearing Black Marks on your Credit Report
Black marks on a credit report from any of the three national credit-reporting agencies of Experian, Equifax, or Trans Union will affect credit scores dramatically. Black marks occur for many
- Tips on Choosing a Reputable Credit Repair Company
When youve been swallowed by debt and you realize that you need to escape, you may find yourself in the market for a reputable credit repair company. There are plenty of them out there to choose
- The Statute of Limitations and What it Means When Repairing your Credit
Many people that have made credit mistakes in the past are turning to credit repair in order to improve their credit. A number of solutions are available that will allow you to improve or even
- The Lowdown on Credit Scores
The old saying money makes the world go around is truer today than ever before, and loans for everything from a house to a car is the way most people get the house of their dreams, and the ride they
- Repairing your Credit? Write a Letter to the Credit Bureaus the Right Way
The Fair Credit Reporting Act (FCRA) establishes procedures for correcting mistakes on your credit report and requires that your report be made available only for certain legitimate business needs.
- Reasons Why You Shouldnt Go for a Debt Settlement Offer
When you borrow money, whether from a credit card company, a mortgage company or a department store, they loan it with the intention that they will get it back. Many consumers borrow money and
- Persistence and Perseverance - Two Factors Youre Gonna Need in your Credit Repair Journey
There are few people that do not fall into some kind of financial trouble throughout the course of their lives. Most of theses people have been born into wealth and never have to worry about money
- Still Fixing that Credit? Tips on How to Buy a Car with Iffy Credit
First of all, commend yourself for taking the steps necessary to repair your credit. There are many consumers who simply dont bother attempting to clean up delinquencies and other credit problems,
- Six Ways to Raise your Credit Score
Credit scores with the big three of Experian, Equifax and Trans Union is very important. High credit ratings with them enable loans such as mortgages, and credit cards to be easily applied for and
- Several Misconceptions about your Credit Score
You may be like millions of other Americans and feel a little confused when it comes to your credit score. Maybe youve heard rumors about what a credit score is, what it means, or what a good score
- Tips on How to Prevent your Identity from Thieves
Identity theft occurs when someone uses your personal information without your permission to commit fraud or other crimes. While you can't entirely control whether you will become a victim, there are
- Your Available Options in Credit Repair
Debt is consuming. Thousands of Americans fall into the trap of racking up debt that is extremely difficult to pay off. But dont be in despair; if youve found yourself in that trap, there are options
- Why Payday Loans are No-Nos when Fixing Credit Histories
Payday loan companies have been receiving an awful lot of attention in the press lately. As gas prices soar and consumers are feeling the financial crunch more people are trying to find alternate
- Why Credit Repair is No Easy Fix
The old saying, things can change overnight unfortunately does not apply when it comes to repairing credit. Depending on the severity of the credit report it can take years to bounce back and achieve
- Your Options for Rebuilding your Credit History
Theres no reason for a person to feel defeated when up against a bad credit report. Although it will surely take a lot of time and effort to rebuild the credit report into a more respectable history
- Your Options for Consolidating Debt and Fixing that Credit Report
Under the FCRA, both the consumer reporting company and the information provider (the person, company, or organization that provides information about you to a consumer reporting company) are
- Your FICO Score and What It Means for Repairing your Credit
A FICO score is a credit score developed by Fair Isaac & Co. Credit scoring is a method of determining the likelihood that credit users will pay their bills. Fair, Isaac began its pioneering work
- Understand your Rights under the Fair Credit Reporting Act
A credit reporting agency is an institution that collects information about people throughout the U.S. and tells banks, finance and insurance companies, businesses, and even employers, how credit
- Tools You Need for your Credit Repair Job
Its hard to make purchases these days without having to have credit. Even for the simple task of turning on new electric or cable services, your credit worthiness will be checked. Having bad credit
- Tips on Interepting your Credit Report
A credit score, a numeric summary of your credit history, generally ranges between 300 and 850. But what does the number mean to you? There is no single
- What the Three Big Credit Bureaus Dont Tell You when You Dispute a Report
It might surprise many people to know that when a claim is disputed on a credit report, that the individual that is requesting a dispute investigation is all on their own as far as defending their
- What Debt Settlement Can Do To Your Credit Report
When you have delinquent accounts and collections on your credit report, you usually arent left with very many options. You can pay the account in full. In most cases, this isnt possible. If you were
- What Credit Inquiries Can Do to your Credit Score
A credit inquiry essentially is an item that appears on your credit report to show that a business has requested a copy of your report. For the business to make a request for your credit report,
- A Self-Help Guide to Credit Repair after Bankruptcy
There are a lot of ways to get credit repaired after bankruptcy. The best way overall is to be persistent and not to give at any point after bankruptcy while trying to repair credit woes. Do not slip
- A Quickie Guide to Understanding what a Credit Bureau Does
A credit bureau is a company that keeps credit history information about consumers. When you buy something, it could be anything; you may use some sort of credit. Whether its a credit card, in store
- A Loan Lowdown for Credit Repair Solutions
Credit repair seems to be the latest craze among scam artists is to make a few dollars by victimizing people with bad credit. There are advertisements all over the Internet targeting people with poor
- Credit Repair Scams
Credit repair scams are popular business in todays business environment. The Internet, in mailboxes, on the TV, telemarketers, and flyers left on car windows report how credit repair from companies
- Cover all Bases Document Everything in your Credit Repair Request
Under the FCRA, both the consumer reporting company and the information provider (the person, company, or organization that provides information about you to a consumer reporting company) are
- A Word to the Wise about Hiring a Debt Repair Attorney
Debt repair attorneys vary. There are some that will help you get done what you need to be done. There are others that are only in it for themselves and they want to make money. If you seek help from
- A Brief History of the Credit Repair Organizations Act
As people become more concerned with their credit, more and more credit repair agencies are being created. Youve seen the infomercials on television and the banner advertisements on websites. There
- Avoid these Credit Boo-Boos and Never Have to Resort to Credit Repair
Using credit can be a risky thing to do. This is especially true for people that have little or no experience with using credit. It only takes a few slip-ups in order to hurt your credit. Once your
- Avoid Credit Repair How to Keep your Nose Clean (and your Credit History too!)
Being smack in the middle of an attempt to repair a credit report isnt really a fun place to be. Fixing past credit problems takes time and dedication, and in some cases a complete change in how
- A Heads Up on the Latest Credit Repair Scam Called File Segregation
If you have filed for bankruptcy, you may be the target of a credit repair scheme called file segregation. In this scheme, you are promised a chance to hide unfavorable credit information by
- A Glimpse into the Basic Steps of Credit Repair
Credit repair takes a little work, but it is not all that hard to do. A lot people decide to take on the challenge and many are quite successful at it. Having a clear credit record and a good credit
- A Credit Repair Glossary Important Terms You Need to Know
It can sometimes be intimidating when speaking with a creditor or collections agent if they keep throwing out terms that you dont completely understand. Oftentimes a consumer will be reluctant to ask
- Debt Consolidation- Help or Hurt Your Credit
Thousands of Americans are in a deep hole called debt. They love to spend money so much so that they spend it even when they dont have it. But most Americans have experienced some form of this and we
- How to File a Grievance Against a Credit Repair Company
There are a myriad of reasons that lead to poor credit. Many people have financial hardships that cause them to fall behind on their bills. Others were negligent in their debts. Whatever the reason
- How Do You Score? What the Credit Score Thing Really Means
You hear the term credit score used quite often. It seems like most everything today requires a look at your credit score. Creditors use the credit score in order to determine whether or not they
- Helpful Hints on Raising your Credit Score as Quickly as Possible
Its happened thousands of times to thousands of other people. Its time to buy a new car or take out a home loan. Youre all happy and excited about your decision and you apply for a loan. You know its
- Mistakes Happen Why Checking your Credit Report Often is Important
When a credit report contains errors, it is often because the report is incomplete, or contains information about someone else. This typically happens because: The person applied for credit under
- Is Debt Consolidation the Right Answer for Fixing your Credit?
Debt consolidation can do a few different things for people. It can group all the debts into one lump sum, making the bills easier to pay each month and maybe even wind up costing less in interest
- Insight into How Banks Use your Credit Score
Banks use credit scores for a lot of decisions that most people are unaware of. A bad credit score rating will devastate a crediting rating, and that is why it is so important to know what role
- Dont Pay for Credit Repair Services Do the Job on your Own
Credit can be a sore subject, especially when a persons credit history has been repeatedly blemished by late payments and delinquent accounts. Some people would rather just ignore their credit
- Dont Despair Try Do-It-Yourself Credit Repair
Credit reporting agencies can do a lot of damage to credit if it is not correct. However, credit debit and fixing any problems that are a part of it is born by the individual that has credit, whether
- Diligence is Key When Filing a Dispute with the Credit Bureaus
Its a shame that the majority of people dont know about filing disputes with the credit bureaus. Its true; there are people out there that have no idea about their rights when it comes to credit
- Hang Up that Phone! Why Writing Letters to Fix Credit Works
The Fair Credit Reporting Act (FCRA) establishes procedures for correcting mistakes on your credit report and requires that your report be made available only for certain legitimate business needs.
- Fraud Alert How to Clean Up your Credit when Someone Else Ruined It
If you suspect you are a victim of identity theft or if you know you are, what should you do? Identity-theft victims don't make the mess. But they do have to clean it up. There's no one who can do it
- Do Credit Repair Kits Really Work? Heres the Scoop
There are a lot of companies and individuals out there offering to sell you a credit repair kit. Some offer to erase all of your bad credit, even erase bankruptcies. When it comes to credit repair
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