Ultimate Credit Repair Manual Insiders Secrets To Getting Your Credit Score Up To 750! A+

Posted by admin | Uncategorized | Monday 14 June 2010 2:39 am

Product Description
Worried About Your Bad Credit? Fret Not! Discover Insider Secrets To Quickly Get Out Of Debt, Erase Your Bad Credit Record And Legally Raise Your Credit Score!

Finally! An Info-Packed Guide To Help You Understand The Nuts-And-Bolts Of Credit Repairs And To Assist You In Increasing Your Credits In No Time! Learn Some Little-Known, But Highly Effective Tips And Tricks That Will Shoot Your Credit Score Up!

Introducing! Insider Secrets On How To Increase Y… More >>

Ultimate Credit Repair Manual Insiders Secrets To Getting Your Credit Score Up To 750! A+



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Posted by admin | Uncategorized | Sunday 13 June 2010 10:38 pm


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Do Credit Repair Services Work?

Posted by admin | Uncategorized | Sunday 13 June 2010 2:47 am

A credit repair service is a company that specializes in cleaning up your credit history with the goal of raising your credit score in a short period of time. Before you use a credit repair service, there are a number of things you should know about the legalities of such services in order to protect yourself from federal crimes.

The idea of credit repair is a good one, and for companies that are able to raise your credit score, there are many benefits of using such a service. Bad credit that comes from errors and inaccurate information on your credit report needs to be fixed – and the result should be a higher credit score. For example, if you went through a bankruptcy but the individual accounts are still showing past due on your credit report, they need to be erased. If someone got a hold of your credit card and made unauthorized purchases, your report shouldn’t reflect the non payment of those.

When someone has poor credit, it’s typically because they haven’t made their payments on time, or skipped them altogether, or a loan has been moved into collections for non payment. Using a credit repair service to remove accurate negative notations from your credit report is illegal, and punishable with fines and even jail time.

Credit repair services are only useful if you have items on your credit report that are inaccurate, or even a result of identity theft. While you can contact the creditors who reported the information in error yourself, it’s time consuming and frustrating. In these situations, credit repair services are helpful to remove inaccuracies and save you time and frustration.

To repair your credit history, you first need to request a credit report to see which information is incorrect, and then work with creditors to get that inaccurate information removed.

You can write your own letters to each individual creditor as needed to have bad credit items removed. Also, while it is illegal to try to remove a credit item from your report that is the result of actual late payments you have made, you can work with the creditor for a settlement that would result in an update to your credit report showing that the debt is settled. That is all of the steps necessary in the credit repair process.

When you contact a credit repair service, you will know if they are reputable if they ask you whether or not the information on your credit report that’s causing the lower credit score is accurate or reported in error. If they don’t seem to care whether your credit report is accurate, you can be sure they’re not a reputable service.

Remember these things when using a credit repair service:

Only inaccurate credit information can legally be removed. Any company that makes guarantees for performing credit repairs on anything causing a lower credit score is not reputable and should be avoided.

When you use a credit repair service, you’ll pay high prices for the services that you could perform on your own. They are simply saving you time and frustration but it’s up to you to decide whether that’s worth the fee to you or not.

If you keep this in mind, you can successfully have your credit repaired and your score raised so that you can begin to take advantage of lower interest rates and other charges again.

Elizabeth Williams, Editor-in-Chief for CreditCardFlyers.com

CreditCardFlyers.com makes it easy to compare and apply for a variety of credit card offers featuring low balance transfer rates. We are the leading source for searching 0 apr balance transfer offers online.



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Gearing up for Credit Repair

Posted by admin | Uncategorized | Friday 11 June 2010 2:44 pm

Are You a Candidate for Credit Repair?

It is true that millions of people have benefited from credit repair. But there are many misconceptions about the subject that have led others to jump into credit repair programs before they were ready. If you are truly a candidate you are likely to see dramatic results in a short period of time. Your credit report can be tidied up and your credit scores optimized; many people see a complete transformation on their report and a significant jump in their scores within just a few months.

You Are Not a Candidate, if…

You are not a candidate for credit repair if you are having trouble paying your bills. Credit repair is not about eliminating debt or finding a way to erase legitimate obligations from your reports. There is little point in starting the process of cleaning up your credit if there will be new derogatory information reported each month. If you are in a financial bind there are several other options that you should investigate, including consumer credit counseling, debt negotiation, and bankruptcy. Prior to deciding on a course of action please take your time to research these options carefully.

You Are a Candidate, if…

You are a candidate for credit repair if your finances are reasonable stable. You must be able to keep up with your bills, and ideally have a little money left over for savings. The ability to contribute, even a small amount, to a saving account will allow you to create a safety cushion for unexpected expenses and to insure that you can preserve the fruits of your credit repair efforts. True progress may also require that you build new credit, and for many people this means opening secured credit cards. A secured card typically requires a small savings deposit ranging from 200 to 300 dollars, so you should have some money available to contribute to the cause.

Getting Started

If you are a candidate for credit repair there are several steps you must take to prepare for the process. This small investment of time at the outset will pay huge dividends. Too many people jump in blindly and consequently get frustrated, or more commonly get only half of the potential benefit. There are few things as important as your credit; you owe it to yourself to make sure the job gets done properly. When it comes to credit repair, short cuts are dead-ends. Here are some ideas about building the right foundation for your efforts.

Get Your Credit Reports

Start by getting all three of your credit reports. Credit reports are a little tricky to read. If you purchase your three bureau credit reports individually, or opt for the free reports offered through the government mandated site AnnualCreditReport.com you will be starting your project at a disadvantage. Give yourself the edge and invest in a good tri-merged credit report online. One of these reports should cost you less than 20 dollars and is well worth the money. Most tri-merged reports structure your credit information for ease of understanding and will allow you to make sense of everything you see.

Proofreading for Credit Repair

The goal of proofreading your credit reports is to indentify every single issue that is hurting your scores. Before starting there are two things you need to know. First, it is essential that you give yourself the benefit of the doubt; if there is any question in your mind about the accuracy of a derogatory item you should dispute it with the credit bureaus. Second, don’t skip anything regardless of how small. You might be surprised how little things can add up and impact your credit scores. It’s your credit. Everything matters.

Spotting Invisible Dangers

When you proofread your credit reports there are several special things to look out for. These issues are hard-to-spot legal and reporting problems that can depress your scores, and yet unless you are alert they will escape your notice. Underreported credit limits can make your cards look like they are over utilized, accounts often continue to report as open with a balance long after they have been paid and closed, duplicate listings are commonplace and should be eliminated, collectors are supposed to withdraw their listings completely when they sell the debt to another collector or return it to the original creditor, but they do not often comply. All of these issues can hurt your scores so look sharp!

Reach Out for Help

If at any time you feel overwhelmed by the task you should reach out for help. There are many professional credit repair services that can insure that the job gets done properly. These companies are typically very affordable and will make sure that nothing gets left out. The best of these credit repair firms will also provide additional services like score consulting, rehabilitation and rebuilding guidance, and more. It’s your credit. It matters. Good luck!

Copyright © 2009 Ian Webber. All Content. All Rights Reserved.

Ian Webber is an expert in consumer law and credit repair. Ian is a graduate of the London School of Economics and The University of Chicago where he earned his LLM. Ian consults with one of the leading online credit repair services and is currently based in Florida.



The Right Credit Reports for Credit Repair

Posted by admin | Uncategorized | Friday 11 June 2010 2:52 am

Give Yourself the Advantage

When it comes to credit repair you should give yourself every advantage you can. There is a lot riding on the outcome, so don’t cut corners. You should arm yourself with a working knowledge of the laws that govern the credit bureaus, creditors, and collectors. You also need your credit reports, and credit reports are not all created equal. Choose your reports carefully; the right one will give your credit repair effort a real edge.

FACTA and Your Free Credit Reports

In 2003, the Fair and Accurate Credit Transaction Act (FACTA) was passed (FACTA is an amendment to the Fair Credit Reporting Act). One of the significant provisions of FACTA is the requirement that Experian, Equifax, and TransUnion offer consumers free access to their credit reports one time per year. There are several ways to get your free reports including the government mandated website, AnnualCreditReport.com. The spirit of FACTA is admirable, and for many people who wish to make a quick examination of their credit reports it is sufficient. But for many people it is less than adequate.

Avoid Credit Repair Handicaps

If you are about to start a credit repair effort you should do everything in your power to make your job as efficient as possible. The first goal of your credit repair project is to identify all of the reporting issues on your reports. Your credit is important and you can’t afford to be working with a handicap. The problem with the free reports offered by the credit bureaus is that they are each in a unique format and unfortunately not designed for optimal clarity. You do not want to miss any potentially damaging errors on your credit report because of poorly designed reports. It’s your credit and it’s worth investing in any tool that will help you get the job done.

The Right Report

If you want to get your credit repair project off to a good start you should purchase a tri-merged report. These reports are available from a wide variety of sources online and should cost less than twenty-five dollars. Tri-merged reports include all of the information from all three credit bureaus, and without exception these reports are designed with clarity in mind. You will be able to spot errors considerably easier than you would with your free reports. The difference is like night and day. In our experience the best designed tri-merged report is offered by TrueCredit, the TransUnion website, but all three bureaus do a good job of it.

Dissect Your Reports

Once you have your tri-merged report in hand it’s time to get to work. Plan on setting aside enough time do justice to the project. Consider the benefits of success and be diligent. Here are a few valuable tips that can get your credit repair effort off to a great start. Check all of the limits on your revolving accounts. It is common for creditors to underreport account limits. The impact of an underreported limit is the same as an over reported balance. This can depress your credit scores dramatically. You should also find all duplicate accounts and dispute them even if there is no derogatory information associated with the account. Duplicate accounts can skew your debt ratio and harm your scores. And examine collection accounts very carefully. Collectors are infamous for misreporting. Collectors are supposed to withdraw their accounts from your report if they sell the debt to another collector. There should never be two collection accounts reported for a single debt.

Help is Available

Credit repair can be tricky. There is nothing as rewarding as getting a job done well on your own. But if you find yourself confused, intimidated, or frustrated it is important to realize that you don’t have to do this on your own. Your credit is important and you cannot afford to do the job halfway. Professional credit repair services are very affordable and will make sure that everything gets done properly. Good luck!

Copyright © 2009 Ian Webber. All Content. All Rights Reserved.

Ian Webber is an expert in consumer law and credit repair. Ian is a graduate of the London School of Economics and The University of Chicago where he earned his LLM. Ian consults with one of the leading online credit repair services and is currently based in Florida.



The Insider’s Guide to Credit Repair

Posted by admin | Uncategorized | Friday 11 June 2010 2:46 am

Product Description
Inside Secrets from a Credit Industry Professional There are a plethora of books out there promising to show consumers how to repair their credit. There is only one that explains how to establish credit, how to maintain and manage it, and, yes, how to fix it when it’s broken— The Insider’s Guide to Credit Repair. This much-needed book is current, cohesive, and thorough. It begins with the basics-defining credit, explaining its value to consumers and busi… More >>

The Insider’s Guide to Credit Repair

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