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Repair your credit
and boost your fICO score

Credit repair is not just about fixing bad credit it is also about protecting and maintaining your good credit
         

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Fix your credit report with our free repair information
Do I need to hire a consultant ?
Is it difficult to repair my credit by myself ?
Are the Credit Bureaus easy to deal with?

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Many Americans have been hurt by the recession;  Unemployment, underemployment, foreclosures and bankruptcies have left a trail of bad debt and wrecked credit scores. Now that the economy is showing signs of recovery they are looking to repair their damaged credit and put their lives back on track.

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Introduction
Have you ever been denied credit or had to pay high interest for a car loan, credit card or home loan, most likely the reason is the poor state of your FICO score.  Nothing can hurt you financially like having bad credit, on the other hand good credit and a higher FICO Score can make life so much easier           MORE


                  the steps to repairing your credit

Why You Are denied Credit
When prospective lenders inquire about your credit standing, they examine your record with certain expectations. 

To evaluate your own report, you need to know those expectations. The five most common reasons for denial based on a credit report are..                        MORE
      
Most credit reports consist of six basic categories: 
• Creditors and Lenders 
• History of Account 
• Comments, Remarks, Details 
• Status(opened,closed & current) 
 • Public Records     
  • Inquiries.                                   MORE
                                                                                                  
Dealing With Your Creditors
Often you will run across negative remarks that cannot be deleted without creditor cooperation.....Here are some different tactics to attempt to persuade the creditor to remove the damaging remarks completely.                      MORE


Collection Agencies: Know their strategies and how to deal with them.
Collection agencies are independent companies contracted by creditors to collect on unpaid bills; this can be anything from debt due on credit cards, store credit to unpaid rent.            M
ORE


Rebuilding your credit:  You can pay a Credit Counsellor a lot of money to help repair and rebuild your credit but this is something you can easily do yourself with a little patience and perseverance. Educate yourself with free advice available here and by following these simple steps.                                 MORE


Medical vs. Non-Medical Debt
There’s been a recent study released by the Consumer Financial Protection Bureau’s (CFPB) Office of Research about how medical debt collections are reflected on the credit records that nationwide credit agencies maintain.                                                             MORE
giving good advice





Additional information and helpful tips can be found in my blog page. please feel free to add your good - or - negative comments

How to get your free credit report
Many companies claim to offer free credit reports – and some actually do. But others give you a report only if you buy other products or services. 


 Q: How can I get my “really free” report?                                       MORE  




Your Rights Under Federal credit Laws
You have many rights as a consumer when it comes to your debts and credit report. The government has made a somewhat “safe haven” for you when these times become necessary.    MORE
  



Erasing Negative Information
If you find anything inaccurate, 
obsolete
incomplete, or incorrect, you have the right to dispute that item on your credit report. This is a process that has no cost to you. It is your legal right!        MORE



Adding Positive Information to Your Report
You have received your credit report and noticed there are accounts that you were current on that have not been added to your file.                                        MORE





How to Avoid Credit Repair Rip-offs and Dubious Offers 
In this day and age, everyone needs credit, whether to buy a car or a house, obtain a loan or a credit card, even to get a job and life can be pretty tough if your credit stinks.  This has
 created an industry of scammers who prey on consumers                                  MORE

10 tips to improve your credit

If your credit is bad, or not as good as you would like, there is no time like the present to get things moving on the right path. With a little effort and taking the right actions you could begin to notice your credit improve very soon.    MORE















CONSUMER INFORMATION
  • Cell Phone Credit Mulling
  • Scammers Pose As IRS Agents
  • Fake Utility Bill Collectors
  • eBay Users Need To Know This
  • Game over Zeuz Botnet
  • Fake Emails From FTC
  • Stop Unwanted Calls And Emails
  • Phone Scams
  • Government Grant Scams
  • Vehicle Repossession 
  • Is that debt collector for real




Quick Tips:

  • Make your payments on time
  • Don’t take on too much debt
  • Keep track of your spending
  • Never lend your card to anyone
  • Pay off high interest cards first
  • Don’t close credit card accounts
  • Don’t spend more than you earn
  • Get a copy of your credit report
  • If it is inaccurate dispute it
  • If positive information is missing, add it
  • Add a 100 word explanation to your report
  • You can sue a Credit Bureau
  • Don’t hide from Collectors, negotiate
  • Get it in writing
  • Avoid “Advance Fee Loans”
  • Safeguard Social Security Numbers
  • Do not put your Social Security number on your checks.        
   ASK ME QUESTIONS

Maybe if they had better credit ?

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