tag:blogger.com,1999:blog-47221802278125754332024-03-04T20:32:26.562-08:00Credit Repair - How To Repair Bad Credit How to Repair Bad Credit. Do you want to get on top of your finances? If you're struggling with debt or your credit score Credit Solution Repair could be the answer you are looking for. Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.comBlogger139125tag:blogger.com,1999:blog-4722180227812575433.post-69300699257125084822016-07-31T07:24:00.000-07:002015-03-25T05:55:24.558-07:00Bad Credit RepairIf you feel bad simply because you can’t meet your bills expectations at the moment they arrive, then you are not alone.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
</div>
Even the best of us are struggling to meet some expectation that the system has placed on us. <br />
<br />
We calculate weekly the amount we spend on groceries, which are constantly increasing, as well as other bills that are constantly on the rise.<br />
<iframe allowfullscreen="" frameborder="0" height="270" src="https://www.youtube.com/embed/wNv-oL0CW08" width="480"></iframe>
<br />
It seems at times it is a no win situation, but the fact is there is always a solution to most problems. The problem most times is some of us do not have the means to find those solutions. <br />
<br />
<div class="separator" style="clear: both; text-align: center;">
</div>
<b>This brings forth more stress and often we feel that we are alone. </b><br />
<br />
If you trying to <a href="http://www.threeweekdietplan.com/likes/magic" rel="nofollow" target="_blank">build your credit status</a> you need to find the resources that can help you get results. <br />
<br />
The marketplace offers credit repair kits, which can lead us in the right direction to repairing credit, but the disadvantage is that many of the kits are expensive. Let’s face it, not everyone has the money to spend on commodities that claim to help us.<br />
<br />
Some of us struggle harder than others just to survive. Life is forever changing and in order to keep up with the changes we all have to find a solution. Therefore, I am going to tell you where you can get a free credit repair kit. <br />
<br />
Your local library stores a wealth of information and it is free to the public. In most libraries that have credit repair kits, credit repair books, or debt management solution books.<br />
<br />
Anything you want at your disposal and it is all free information. The library also has copy and fax machines often, and if you notice in the credit repair guide or kit, it will have copies of the letters you can write to your creditors. <br />
<br />
Make yourself some copies and once you fill them out as instructed, you are on your way to repairing your credit. The library also has guides or kits for filing bankruptcy.<br />
<br />
<b>If you do not see a way out, then you may want to go this route to repair your bad credit.</b><br />
<br />
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="http://www.threeweekdietplan.com/like/miracles" imageanchor="1" rel="nofollow" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;" target="_blank"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhdwEtpMvT5b2kpwpwDK2eBqkKb-npW6XJAyhnWLCokls6xjVnfgkrt6fQB-XUOiNex7-QhPEcT0T7ACvxui1_OsDgnAtFHBa1Y8to_8ghjh1H970ip23X890Blw3bN-sHPoSwZdEbVxk0/s1600/Credit+Repair+Advice.jpg" height="197" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><a href="http://www.threeweekdietplan.com/like/miracles" rel="nofollow" target="_blank"><br /></a></td></tr>
</tbody></table>
In most cases, you can do a Pro Bono Bankruptcy, which means you will represent yourself in the courtroom. I just wanted to let you know that if you file a Chapter 7 Bankruptcy, you will have monthly installments to make, but if you file Chapter 13 Bankruptcy then the courts wipe out all your debts. The problem is that bankruptcies remain on <a href="http://www.threeweekdietplan.com/likes/magic" rel="nofollow" target="_blank">credit files for up to ten years</a> or longer. If you can avoid bankruptcy do so, however it is not the end of the world if you do. <br />
<br />
I know people personally that filed bankruptcy and was able to get loans for mortgage, cars and so on. If you know what you are, doing you can do anything no matter how bad your situation is. Avoid Debt Consolidation, simply because it is means you will be paying fees and costs to others to get out of debt, which only adds up the bills. You might want to consider a Debt Counselor from a respected organization. It makes sense to check out any business first before spending money or asking for services.<br />
<br />
The BBB offers free information on organizations, businesses and corporations. Once you have investigated the service then you will know if the people are really trying to help you. Any service that tells you they can get you out of debt in no time at all is pulling your leg. The fact is even when you pay your bills your credit will continue to list all the bad debts, it will only say after the debt listed - Resolved.<br />
<br />
It is important to get copies of your credit reports from <a href="http://www.threeweekdietplan.com/likes/magic" rel="nofollow" target="_blank">TransUnion, Equifax, and Experian</a>. You can find any information you need online. <br />
<br />
<b>Knowing your status in life is the beginning of repairing bad credit.</b><br />
<br />Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com19tag:blogger.com,1999:blog-4722180227812575433.post-34280166845241784552015-05-11T11:31:00.000-07:002015-05-11T11:31:40.582-07:00Credit Repair And Avoiding CourtIf you ever entered a courtroom, you know that the stress elevates, even if you are in the room for someone else. Courts are an automatic source for lifting stress. Moreover, to avoid the courts means we have to abide by laws and pay our debts. If you have taking out a home mortgage, car loan, personal loan, or any other type of credit loan in some instances when the loans requirements are not meet you can be subpoenaed to court. <br /><br />There are <a href="http://www.repairthecreditonline.com/loves/extreme" rel="nofollow" target="_blank">several courts that handle cases</a> that involved negligence, starting with small claims court and finally judgment courts. Any courtroom is stressful, and many of the courts will look at both cases objectionable. However, the party involved in negligence is often deemed untrustworthy. <br /><br />If you want to avoid more stress than what you will endure on bad credit reports, it is important to make wise decisions before spending money you do not have.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.repairthecreditonline.com/loves/extreme" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.repairthecreditonline.com/loves/extreme" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_Vgi0vLDKJbz0Y7Etg3m7NeI_At1cexEd75T-3O_81mktArN3LyO5qZkEdrgZ6LddUMLzgxilmgzzdKc0LlwPtyUjqF9AWVJr-X4PoL_HoZKEK1V8b52XgMEylIy9aq8-YTSoRDmlYY0/s1600/Credit+Repair+Court.jpg" /></a></div>
To avoid court judgments, liens or lawsuits it is important to meet payments on your monthly installments. If you find an area of your life when you see that it will be difficult to meet demands, you might want to look into some solutions available that can get you out of harms way. <br /><br />If you are paying mortgage you might want to opt out by selling your home or else searching the marketplace for loans to help you refinance and get lower rates. When you owe money, your debts are sent to collection agencies. <br /><br />Once you have a list of bad debts it leaves you open to court. Creditors are people you owe and if they send your debts to collection agencies, you might be waddling in quicksand since someone else has control of your life. If you are delinquent on payments creditors, can garnish wages from your paychecks, take hold of all your tax refunds, and send you to court. <br /><br />The only advantages you have when you have debts are the creditors cannot charge outrageous late fees or interest rates. The creditors cannot take a post-dated check from you and cash it until they notify you first. Creditors cannot cash a postdated check ahead of its date. Creditors cannot ask for postdated checks by frightening you with criminal suits. Creditors are not permitted to send post cards in an effort to ask for payment, nor can creditors label, or place symbols outside of an envelope to press for payments. <br /><br />There are many areas of legalities and illegal acts to look for if you are in debt and threatened with lawsuits, liens, repossessions, foreclosures, and judgments. Some of the most important areas of illegal acts made by collection agencies include false unlawful authorization forms, or sending out a representative of the collection agency <a href="http://www.repairthecreditonline.com/loves/extreme" rel="nofollow" target="_blank">posing as an officer of the law</a>. <br /><br />Some creditors even harshly threaten debtors by using profanity or harassing family members by imitating government representatives. <br /><br />Creditors have even tried cashing postdated checks and attempting to charge late fees for insufficient funds. <br /><br />It is important that you learn your rights when your credit is in jeopardy. If you are taking to court and know your rights, you might see a way out of a bad situation. If your know your rights you might even find a way to avoid court by taking another route to stall payments. <br /><br />Some collection agencies have even threaten debtors by phoning their home at late hours of the night, calling friends, family and neighbors, and so on. If you suspect you are heading down bad credit path, then it is important to document all communications between collection agencies, lenders, and other sources so that you are prepared when or if you hit the courtroom. If you see that you cannot avoid court then you want to take all the necessary steps to cover your self when you arrive on the door that is taking your control out of your hands. It is important to know that you can trust only you in most cases. <br /><br />When your faith is in someone else's control the worst possible situation can happen. In most cases, however, there is <a href="http://www.repairthecreditonline.com/loves/extreme" rel="nofollow" target="_blank">always a solution to the problem</a> and you have the right to stand up and take back some of your control.<br /><br />Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com3tag:blogger.com,1999:blog-4722180227812575433.post-89916554004915261362015-05-11T11:25:00.000-07:002015-05-11T11:25:56.404-07:00Credit Repair Specialists - What Do They DoCredit repair specialists claim they can help you improve your credit score. Some companies make claims about being able to raise your score by a certain number of points. While there's no guarantee your credit score can be "fixed," usually there are things that will improve it. But, do you need credit repair specialists to do it?<br /><br />The whole c<a href="http://www.repairthecreditonline.com/loves/extreme" rel="nofollow" target="_blank">oncept of credit repair</a> may not have that much meaning to you. It depends on whether or not there are mistakes on your credit report. Some of the time, repairing your credit is simply a matter of paying off old debts as quickly as possible.<br /><br />If there are no errors on your credit report, there's not much to challenge. Repair specialists can't do much with credit reports that are entirely accurate. So if your bad credit is really because of accurate information, a specialist isn't going to be able to help you.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.repairthecreditonline.com/loves/extreme" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.repairthecreditonline.com/loves/extreme" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhT_OCs8yXZhV7VOPullbRYxwMYn-XdeG8wybxaPjGkBui_JBxDSPMkp9FeOtAJPJYPB4Gs2IzfyrkAG9ukZQGO-qgKTx_HzTxVCZjypekWnhIf7VALCh-2WrvmMv99HE7_B-GaWmIivQY/s1600/Credit+Repair+Specialists.jpg" /></a></div>
To repair your credit in that case, then it's necessary to get the old debts off the reports fast. Once you pay them off and the collection agencies or credit cards report that the debt is settled, your credit will slowly start to improve.<br /><br />The older the bad marks like late payments and charge-offs become, the more your score should improve. Eventually, those marks will fall off your credit report entirely and your score will improve drastically.<br /><br />If you settle a credit card debt for a percentage of the balance owed, for instance, that will help your credit. But it might not help it right away. As that charge-off ages it's not considered as important in your credit score. After it's over a year old you'll see an improvement.<br /><br />You should see even more improvement after a problem is over two years old. And it should fall out of your scoring completely after 7 years. For this kind of credit problem, <a href="http://www.repairthecreditonline.com/loves/extreme" rel="nofollow" target="_blank">credit repair specialists</a> can't do much. Though some will counsel you about the best way to pay off old debts and handle your credit to avoid future problems.<br /><br />There are three major credit reporting agencies: TransUnion, Equifax and Experian. They can all have slightly different reports and scores for you. It's important to check them to make sure they're accurate.<br /><br />You're entitled to a free report from each of them each 12 months or after you're turned down for credit. If there are errors on one or more of these reports, then you might be able to benefit from someone who's experienced in credit repair.<br /><br />Experts are used to handling the paperwork and the dispute process that's required by the credit reporting agencies. It may be easier for you to get a bad mark that's inaccurate removed from your report with help.<br /><br />You should be aware that you can do all this yourself without hiring anyone. All you have to do is follow the rules and procedures put down by the credit reporting agencies. But if you're hesitant or unsure about how to handle it, <a href="http://www.repairthecreditonline.com/loves/extreme" rel="nofollow" target="_blank">credit repair specialists can handle</a> these agencies for you and help you fix mistakes.Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com3tag:blogger.com,1999:blog-4722180227812575433.post-85955749527715748822015-05-11T11:21:00.000-07:002015-05-11T11:21:39.212-07:00Credit Repair For YourselfHaving a bad credit rating can be a serious problem affecting people's lives in all kinds of ways. Quite apart from making it more difficult to obtain credit, a poor credit rating will mean that the costs of the credit you manage to be approved for will be much higher, meaning you'll have less money to spend on the more enjoyable parts of life.<br /><br />There's no doubt that <a href="http://www.repairthecreditonline.com/loves/extreme" rel="nofollow" target="_blank">most people with credit problems</a> would happily clean up their credit ratings if they could, and there are indeed thousands of websites claiming that it's easy to repair your credit. Some of these claims are at best dubious, while others are even downright illegal.<br /><br />Unfortunately, there's no 'magic bullet' you can use to repair an impaired credit rating, at least while staying within the law. That doesn't mean, however, that you're stuck with poor credit and that there's nothing you can do. There are a few simple strategies you can use to begin to improve the situation.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.repairthecreditonline.com/loves/extreme" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.repairthecreditonline.com/loves/extreme" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiYSVCyw2YwN4XyG3zb79BddTlmtRFDR233_K8mwE8LnHomjsAfVJLgU-vWNHMOhpv6CijbDk5dpuj1fu52qU0F1i-Kq9b3ubMmgozg1Q_Hm4PMT4mIRhOagER6enJEvl0mkFIts0Aps_M/s1600/Credit+Repair+For+Yourself.jpg" /></a></div>
Firstly, you need to get hold of your credit record. The big credit reference agencies share data among themselves, so it doesn't really matter which one of them you request a copy of your file from - they'll all contain much the same information.<br /><br />Once you've obtained a copy of your file, look through it and examine every entry. Is there anything on there that looks wrong? It's not impossible for your file to have information on it that's out of date, or simply incorrect. It's your legal right to challenge any incorrect details on your file, and have them corrected if necessary.<br /><br />Make sure that any unpaid debts listed actually apply to you and not someone else - a previous occupant of your address, for example. Also make sure that any defaults you've since cleared are listed as being satisfied. While this won't remove the default from your file completely, it will lessen the <a href="http://www.repairthecreditonline.com/loves/extreme" rel="nofollow" target="_blank">impact on your rating</a>.<br /><br />The next step is to look if you have any outstanding debts which you could clear without too much trouble. Often, a debt will go unpaid during times of financial troubles, which could be paid off later on when your money situation improves. Clearing these small debts will also greatly improve your creditworthiness.<br /><br />Once you've cleaned up your credit file as much as possible, and removed as much negative information as you can, it's time to start focusing on the positive - you need to get some 'good' entries on your credit file to counteract any 'bad' entries that remain.<br /><br />The best way to do this is to apply for some kind of financial service that you'll be approved for, such as a credit card aimed at people with poor credit scores, or even one of the secured or prepay cards which offer close to 100% acceptance, also making sure that the company issuing the card reports back to the credit reference agencies.<br /><br />As you use the card responsibly in the future, keeping up your repayments, then this will be entered onto your credit file. Over time, you'll find that your <a href="http://www.repairthecreditonline.com/loves/extreme" rel="nofollow" target="_blank">credit rating will begin to improve</a>, allowing you to move on to more mainstream, cheaper, credit options.<br /><br />Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com4tag:blogger.com,1999:blog-4722180227812575433.post-26152978925675319922015-05-11T11:16:00.001-07:002015-05-11T11:16:48.014-07:00A First Step To Initiate A Good Credit Rating<a href="http://www.repairthecreditonline.com/loves/extreme" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.repairthecreditonline.com/loves/extreme" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjorBNJgvOKV0dyYjWRoM1QUmS8KF6dpJyPlHI3GFFBxcQtaxFe6FPB1apeGOtUkfgxGGzeRFM73YboH2XeHClUMZKNFKHgPWY4unACien33ULUv_PO6sxURgslnuEIR_G9wMk4Chx0HQs/s1600/A+Good+Credit+Rating.jpg" /></a>One of the first things young adults need to know when they're just starting out on the road to the rest of their life, is how important it is to build and maintain good credit. In the world we live in today, your credit rating is the basis of how you are treated by the big businesses you will find you need to work and deal with in your day-to-day life.<br /><br />It doesn't matter if it's renting an apartment, applying for insurance, a car loan, or even a credit card, your credit rating is taken into consideration. Sometimes when applying for a new job they may review your credit report as a <a href="http://www.repairthecreditonline.com/loves/extreme" rel="nofollow" target="_blank">reflection of your personal integrity</a>.<br /><br />Everyone realizes that life isn’t always perfect. There may be a time when some people are not able to meet their obligations temporarily. When a reasonable explanation is given and evidence that you are actively attempting to rectify the situation, financial institutions and other large companies understand and view this as a favorable indication of your veracity.<br /><br />One of the easiest ways to begin to establish your credit, is by applying for a credit card. There are multiple choices of credit card features that will fit your lifestyle. When applying for your first credit card you will most likely be given a lower credit limit. It's after you've proven your credit worthiness, your credit limit will gradually be raised.<br /><br />Before you begin to apply for that very first credit card or <a href="http://www.repairthecreditonline.com/loves/extreme" rel="nofollow" target="_blank">any credit card at all</a>, you should know the key questions to ask.<br /><br />- Does it have a low introductory offer?<br />- If it has a low introductory offer, how long does it last?<br />- Is the low introductory offer for transferred balances, new charges, or does it apply to both?<br />- After the introductory low interest rate, what is the regular interest rate?<br />- Does this credit card charge an annual fee?<br />- What is the amount of the late fee?<br />- Does this card have an over-the-limit fee?<br /><br />These are just elementary questions to be prepared to ask when you are applying for a new credit card and want to compare offers. But before you sign on that dotted line, like with anything new, be sure to read the fine print. How you handle this card and meet your credit obligation is important. Your adherence to the terms and conditions <a href="http://www.repairthecreditonline.com/loves/extreme" rel="nofollow" target="_blank">will reflect on your credit rating </a>and could effect you for years to come.<br />Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com0tag:blogger.com,1999:blog-4722180227812575433.post-14209233672442257282015-04-26T03:49:00.000-07:002015-04-26T03:49:07.736-07:00How To Build Up Your Credit RatingIf you have just come out of college or University debt-free then you are extremely lucky. However, now that you want some credit you may find all paths blocked to you. Having no previous credit history makes it hard to borrow money. Although you cannot get a line of credit now, building a line of credit is easy. All you need to do is go through these easy to follow steps and you can quickly build yourself a good credit history:<br /><br /><b>Get a bank account</b><br /><br />Although bank accounts <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">do not appear on your credit report</a>, having a bank account is the first step to building credit. Most credit card applications require you to list a bank account number, and having a bank account allows you to have a base from which to move money and pay bills.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.threeweekdietplan.com/loves/repair" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgpYbHMUmAVHun36igcxWncJJ9dQEff2VrB6YDLk0azLDNp-kHJZmpPqbPfePqV9T_1C5xBLZdTWHdSk0xpjB7lUhFb0ndod7IiteyEz0IG3FwHmyrRtdW8UipHoxb0ulMtD374SuIk2AE/s1600/Build+Up+Your+Credit+Rating.jpg" height="192" width="320" /></a></div>
<b>Apply for a credit card</b><br /><br />The next step is to apply for a credit card. Try and apply for a card that you are likely to be accepted for as being denied credit can harm your credit history. Store cards are often the best place to start. Despite their low limits and high interest rates, you are more likely to be accepted for a card, which is ultimately what you want. <br /><br /><b>Make payments on time</b><br /><br />Once you have a card, to <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">build you credit you need to use it</a>. Buy a few small items that you can easily afford each month on your card and then pay your balance on time each month. After about three months you should be able to apply for a better mainstream card such as Visa or MasterCard. <br /><br /><b>Budget</b><br /><br />If you manage to get the card you want, make sure you budget your spending. Bad purchases and overspending can quickly undo the good credit history you have built. Remember that your credit is not extra income but just another way to spend the money you already earn. <br /><br />Make sure you can afford to pay back the amount you spend quickly, because getting into debt will hurt your credit score. Try and pay more than the minimum each month to keep on top of your credit debt.<br /><br />If you are denied ask for an explanation<br /><br />If you are denied a credit line, then ask the lender why, as they are legally obliged to tell you. If you find out why you are being denied you can begin to correct this problem. Applying regularly for cards and being denied will harm your credit score, so it’s important to correct any problems that you have.<br /><br />If you are patient and pay your bills on time, then you should <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">be able to establish a good credit history</a> in around 6 months to a year. Once you have established a credit line, make sure that you maintain your good credit score by being responsible with your money and only spending what you can afford. This will allow you to have ample credit in times of need.<br /><br /><br />Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com0tag:blogger.com,1999:blog-4722180227812575433.post-44835983825840197482015-04-26T03:43:00.000-07:002015-04-26T03:43:18.836-07:00Do-It-Yourself Credit RepairGood credit is key to economic success. You may not give to much thought to your credit report, but good credit lets you do a lot of things that most people take for granted: get a credit card, rental a car, obtain a loan, or even get an apartment. Missed payments to a creditor, or defaulting on a loan altogether, creates black marks that are recorded on your credit report when your creditor reports them to a credit bureau. Too many missed payments or defaulted loans will leave you with no option but to start the credit repair process, otherwise, your applications for credit cards or other loans will be turned down consistently until you do.<br /><br />A quick search in the classified ads or on the internet for <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">credit repair will give you tons of offers</a> from credit repair companies offering a quick fix to your credit problems. Most of these companies have aggressive marketing strategies that promise to fix your credit report fast for a nominal fee. Be very cautious with these companies and deal with them at your own risk –many are not only scams, but also in most cases you can fix your own credit more effectively by doing it yourself.<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.threeweekdietplan.com/loves/repair" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicoJ3L2hW-_kb02wrel-b0QFkg8s8vG9KOGaeP4xTfqRSafN8Ucmq_K5hrbAyidDlS2fXdzIEt18Qg6EqqjUVZB2we5ZenbVd0qIu1zAHNOsVk25ExPAyiLKpDkilg_2Oh5w6u5inTTAs/s1600/Do-It-Yourself+Credit+Repair.jpg" /></a></div>
<br />Remember: there is nothing a credit repair company can do for you that you can't do for yourself. Even though credit repair companies might imply otherwise, they can’t erase poor marks on your credit rating and they have no influence over the credit bureau. Most likely, the credit repair company will probably tell you to obtain a copy your current credit report and to challenge any negative items on it. You can do this <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">yourself without actually paying someone</a> to tell you to do it.<br /><br />Sometimes, credit repair companies may even recommend that you perform activities that aren’t even legal to “fix” your credit. They might encourage you to begin working on a "new" credit rating by changing your banking information and address. Not only is this procedure illegal, it is usually ineffective. You are better off going through the credit repair process on your own. An online search will yield detailed sites with step-by-step instructions. Again, beware the source. Your best bet is going through a government-affiliate site or one that is put together by a trusted organization.<br /><br />The best approach to credit repair is to first obtain a copy your credit report from the credit bureau. Examine the report closely, line by line, and make sure to challenge any errors on the report, in writing, to the agency that reported it. Challenge only items that are genuine. If your report is free of errors, you will need to repair your credit in the traditional fashion, usually involving obtaining a secured credit card that you use regularly, making regular payments on the balance. This will slowly improve your credit rating.<br /><br />Most importantly, be patient and make smart budgeting decisions. Credit repair is not a quick process, and you will find that you are able to pay off your creditors given enough time. By making payments regularly and not defaulting on any loans, <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">your credit score will eventually prove</a> that you are eligible for credit. Although this method of credit repair is not a fast process, it is truly effective. By doing your own credit repair, you will be far more successful than if you were to employ a credit repair company.<br /><br />Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com0tag:blogger.com,1999:blog-4722180227812575433.post-21611288145533145152015-04-26T03:33:00.000-07:002015-04-26T03:33:29.749-07:00DIY Credit Repair TipsWhile many people believe that getting their bad credit repaired can only be done through a professional agency, this is simply not true. By going to a credit agency, you might find that it takes a great deal more time and money than if you just worked on it yourself. Before you get in touch with a professional credit repair service, refer to the steps listed below, and you might find that repairing your own credit is not that difficult at all.<br /><br /><a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">When you repair your own credit</a>, you must understand that it is a lengthy process that requires patience. The first thing you need to do is contact credit reporting agencies in writing, and request a copy of your credit report. Federal Law states that everyone gets a free credit report annually. You can locate the three main credit-reporting agencies that you will need to get in touch with by performing an Internet search using the terms “Credit Reporting Agencies”. You might also consult your local phone directory.<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.threeweekdietplan.com/loves/repair" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiLpzT02-JXnMbDb57qmYOxFbi6PCLuNhI61x3mdvmitiGhLE3qwnLF7K2NgZ-LvTxUKaHgOfukLvnLhth9U9L95uBCH_t5byjwhrkMUg_qD5Oj8PP5YBRLC0sQuJX6h4P9UAFZoj4qDQo/s1600/DIY+Credit+Repair+Tips.jpg" /></a></div>
<br />Contact the agency in writing, and include the following information in your request:<br /><br />1. Request a free copy of your credit report.<br />2. A copy of your state identification (such as your driver’s license)<br />3. Copy of proof of your current address (such as a utilities bill showing your home address)<br />4. Provide your previous addresses for the past 5 years.<br />5. A copy of your social security card.<br />6. Make sure you close the request with your signature.<br /><br />Your credit report should take approximately 4-6 weeks to be generated and sent to you. If you receive a letter denying you credit, make a copy and enclose it with your written request for a copy of your credit report. If you have already received your free annual credit report permitted the free yearly report, you can use a denial letter of credit within 60 days of its receipt.<br /><br />When you receive your reports from the agencies you contacted, look over each report for accuracy and discrepancies. Create a log in order to track the differences. If you find invalid accounts or errors in your reports, do not hesitate to file disputes. If you need to file a dispute, most agencies provide the forms to do so via their website. <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">Each credit report should provide</a> contact and account information for each creditor. Keep a log of all your debt information and creditors. Most debts older than 7 years old probably won’t appear on the report, and if so, leave them alone. Most creditors after 7 years will write off the debt, though some might continue to pursue you. Whatever the case, don’t open the Pandora’s box if the account isn’t listed on your credit report.<br /><br />The next step is to contact each creditor to make payment arrangements. Most of them will be willing to work with you, while some might not be so agreeable. If a creditor is being difficult, feel free to ask for his or her supervisor or speak with someone else. Expect some creditors to be rude and unwilling to work with you. Try no to feel discouraged, be persistent, and ask to speak with someone else. Offer a settlement amount. Keep a written log of the conversation, including the person’s contact information each time you speak with a creditor.<br /><br />It can take as many as 6 months to feel like you are making headway on your credit repair, but rest assured that your credit will get better within a year or two.<br /><br />It is very important that while you are paying off your debts that you pay by check or money order and retain all receipts. Make sure that you request a receipt for the payment from the agency.<br /><br />Continue to obtain copies of your <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">credit reports annually from each agency</a>. Do not create new debts while paying off your current ones. If you receive credit offers, throw them away. Remain focused on your goal to get out of debt and document your payments, contact with the creditors, their names, extension, time and date you spoke with them and list any pertinent detail regarding your conversations.<br /><br />Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com0tag:blogger.com,1999:blog-4722180227812575433.post-88513606964772955722015-04-26T03:29:00.000-07:002015-04-26T03:29:25.206-07:00Credit Reporting And Your Bottom LineIf you have ever been issued a credit card, received a personal loan, obtained a mortgage or held a job, chances are someone is keeping a file on you. This file contains information on how you pay your bills, whether or not you’ve been sued, and if you’ve filed for bankruptcy. Companies that gather and sell this information are called Consumer Reporting Agencies, or CRAs. The three most common are <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">Equifax, Experian and TransUnion</a>.<br /><br /><b>What’s in a credit report</b><br /><br />Congress passed the Fair Credit Reporting Act requiring CRAs to provide correct and complete information to businesses to use in evaluating your applications for credit, employment or insurance. Credit reports are only provided to those with a legitimate business need. CRAs generally report unfavorable information for a period of seven years. Exceptions include bankruptcy information, which can be reported for ten years, and information concerning a lawsuit or judgment against you, which can be reported for seven years or until the statute of limitations runs out, whichever is longer.<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.threeweekdietplan.com/loves/repair" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEjW9uewSjw2P8_E4q_lq2Kj37ScNHNMbSO_QeSyfD3jTLqAQ32TdcLt_iIgCyPhXa0CqZrEjvANh_n3bmEvC8kd9MlLZj-Gg7I6RmOhAfssLr12OoIAHPX8Nci_HvAfw3C_BP1T-oiLw/s1600/Credit+Reporting.jpg" /></a></div>
<br />When applying for a job with a salary of more than $20,000 or for more than $50,000 worth of credit or life insurance, there is no time limitation for reporting credit information.<br /><br /><b>Know what’s in your credit report </b><br /><br />If you request it, the CRA is required to tell you about the information in your report and, in most cases, the sources of that information. You also have the right to be told the name of anyone who received a report on you in the past six months. If you filed an application for credit and it was denied based upon information supplied by a CRA, you can request a free report within 30 days of receiving the denial. If you have not recently received a denial but still wish to receive a report, you may be charged a reasonable fee. <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">To receive a copy of your report, contact</a>:<br /><br />Experian<br />P.O. Box 2002<br />Allen, TX 75013<br />888-397-3742 (voice)<br /><br />Equifax <br />P.O. Box 740241<br />Atlanta, GA 30374-024<br />800-685-1111<br /><br />TransUnion<br />Two Baldwin Place<br />1510 Chester Pike<br />Crum Lynne, PA 19022<br />800-888-4213<br /><br /><b>Fixing Credit Report Errors</b><br /><br />If you find inaccurate or incomplete information in your credit report, notify the CRA immediately. They are required to re-investigate the items in question. If the new investigation reveals an error, a corrected version must be sent, at your request, to anyone who received your report in the past six months. If the new investigation doesn’t resolve your dispute, request that the CRA include your version or a summary of your version of the disputed information in your file and in future reports. There is no charge for this service if it is requested within 30 days after you receive notice of your application denial.<br /><br /><b>Fixing a Poor Credit History</b><br /><br />Unfortunately, there are no quick or easy cures for a poor credit history. Time is the only thing that will repair your credit report. There is a brisk business among so-called “credit repair” companies which charge from $50 to more than $1,000 to “fix” your credit report. The only information in your credit report that can be changed are items that are actually wrong. If that’s the case, you can fix the errors yourself for free.<br /><br /><b>Credit Counseling</b><br /><br /><a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">While only time can fix a poor credit history</a>, there are some organizations that may be able to help if you find yourself confronted by overwhelming money problems. Many of these problems arise from inflation, overuse of credit, faulty planning or a lack of money management. For example, a credit counseling corporation may be an option. These non-profit corporations offer specialized counseling services to over-indebted consumers and handle their money as their agent. The corporations may charge a nominal fee for services provided. A credit counseling corporation is not a lending institution, charity, government or legal institution.<br /><br /><br />Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com0tag:blogger.com,1999:blog-4722180227812575433.post-80028094577896310812015-04-26T03:25:00.000-07:002015-04-26T03:25:14.671-07:00Credit Repair Scams And How To Avoid ThemEveryone by now has probably gotten at least one email, junk mail, or other type of solicitation concerning Credit Repair. The truth is that around 80% of Americans have credit issues they need to deal with so there is a huge market for credit repair services.<br /><br />But with every large market there is one thing you can be sure of. It will also draw out the unethical people and the scammers and thieves as well. In this article I will tell you about some of the scams and offer you a little free advice on <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">how to avoid credit repair scams and rip-offs</a>.<br /><br />The first thing that should be discussed is that anytime something sounds too good to be true it most likely is. When you hear or read the words, “Free”, you should beware. My own website has the word free in it because I actually provide free information. However, if you were to want me to do all that is necessary to repair your credit, you can bet you’d have to pay me for the service.<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.threeweekdietplan.com/loves/repair" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjPRT4Mkyz3OZlbZYSU_vWCrfZDKRS9tfY_fI0LqBss7fY4YiKRCsGHPqM5Do2u4qS90QsSciRNXc5TJDjzbaa0OCYyOY1AOHjZB_qdmk8e3Sd03VTJdKcCCp42L-wKlT_n-RDY5ShFsZ0/s1600/Credit+Repair+Scams.jpg" height="143" width="320" /></a></div>
<br />So, when you see someone offering to fix your credit for free, ask yourself, “How can anyone work for me for free?” Some claim to be a nonprofit organization only there because they are interested in helping people fix their credit.<br /><br />There may actually be one out there that does this and if you ever dig them up email me a link. For the most part I would be even more leery of those that claim to be a nonprofit. Even the federal government is now looking into credit repair organizations that claim to be nonprofit.<br /><br />What these companies or credit repair clinics do is something you can do for yourself. They dispute claims by creditors. You can do this by going to the big three, Equifax, Experian, and TransUnion Corporation. If the creditors fail to respond within 30 days, then the item is removed from your credit report.<br /><br />Sounds great right? Well, not exactly. Even if the creditor fails to respond in the 30 day time period, they can still add the item back onto your credit report. That means that the money you paid for someone to do that for you was wasted. You can get a free credit report from each of these companies once per year. So that is three times per year that you can check up on your credit report.<br /><br />According to the Federal Trade Commission Website, “A federal judge has ruled that a bogus credit repair company and its owner violated the law by <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">making false and misleading claims</a>, and billing in advance for its services, and has ordered them to pay more than $322,000. This action was a result of “Project Credit Despair,” a crackdown on 20 operations that deceptively claimed they could remove negative information from consumers’ credit reports – even if that information was accurate and timely.”<br /><br />If the information on your credit report is accurate and timely, there is no one that can get that removed for you. The best thing you can do in that case is to contact the company and make some type of arrangements to pay off the debt. Offer a cash settlement that is less than the total amount owed and sometimes they will help you and take the offer. You have nothing to lose by making that offer and everything to gain.<br /><br />The FTC advises that only time, a conscious effort, and a personal debt repayment plan can improve your credit report. The first step is to learn what information is in your credit report. If you find errors or mistakes, federal law gives you the right to have them corrected – free of charge. Federal law requires that the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – provide you with a free copy of your credit report once every 12 months, if you ask for it. To order your free report, visit annualcreditreport.com, call 1-877-322-8228, or complete and mail the Annual Credit Report Request Form. Other credit repair information is available on the FTC’s Web site, http://www.ftc.gov.<br /><br />I hope this article has <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">helped you to understand about credit repair</a>. There are some legitimate companies out there. Just beware of any that tell you that they can remove items from your credit report that are legitimate debts. If they offer to negotiate directly with creditors or help you consolidate your debt, then you may benefit from using professionals. However, on the debt consolidation part, watch that you do not end up paying a higher percentage for interest than you are currently.<br /><br /><br />Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com0tag:blogger.com,1999:blog-4722180227812575433.post-69535248872681572922015-04-26T03:21:00.000-07:002015-04-26T03:21:23.270-07:00Bad Credit? You May Still Qualify For A Credit Card!Let’s face it: in order to buy or sell so many things in today’s society you simply must have a credit card available in order to complete many transactions. Sure, you could pay cash for many things, but how convenient [or safe] is it to carry around a wad of bills? If you lose the money, it is gone forever. Not so with a credit card as that little plastic device can be easily replaced. What do you do if you have bad credit? Are you locked out from getting a credit card? Happily, the answer is a resounding no. You have some options that can help put a new credit card in your wallet, <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">bad credit or not</a>.<br /><br /><b>Bad Credit: What It Is </b><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.threeweekdietplan.com/loves/repair" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj66n-kAE-fIqZh4hd0fT0lltmdr7uU5Rxapbkl1XjpoDZjG9KdPERIrV56FxZvCbTrdvWYRrlVKMoyVO88pmfYSQbOZEZIvkaUUdN6cYAErDWqpBk3UgLp31JOD_a1HzqbUY-jN_pxThE/s1600/bad+credit+credit+cards.jpg" /></a></div>
<br />Before we take a look at applying for a bad credit credit card, let’s examine some things that could cause you to have a bad credit rating:<br /><br />-- Late payments on car loans, rent, mortgage, bills, etc.<br /><br />-- Medical bills you cannot afford to pay.<br /><br />-- Legal judgment against you including: child support, lawsuit, etc.<br /><br />-- Loss of job, big reduction of income.<br /><br />Any one of these things can harm your credit rating, <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">making it more difficult</a>, but not impossible, for you to get a credit card.<br /><br /><b>Bad Credit Credit Cards: What The Offers Are</b><br /><br />If you apply for a bad credit credit card, please know that the consumer requirements are different than for those cards for people with good credit. Still, a bad credit credit card can be a good idea to help you build your credit rating back up; it won’t improve overnight, but it can improve with your disciplined repayment plan. Here are some things you must know about a bad credit credit card:<br /><br />Your APR will be higher. Some offer low APRs for the introductory rate, while other cards will offer a variable rate. Overall, the APR will be higher.<br /><br /><b>Default rate</b>. If you are late with payments, you may find yourself paying a much higher default rate.<br /><br /><b>Annual fee</b>. Expect to pay an annual fee as high as $100 per card, less if it is for a secured card.<br /><br /><b>Other fees</b>. Depending on the card you select, you can be charged an account set up fee, program fee, annual fee, and a participation fee.<br /><br />When shopping for a bad credit credit card, only commit to getting one that fits your budget. Between the fees and the higher APR, you could find yourself with a card that doesn’t work with you. Still, by using a bad credit credit card, you can reestablish <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">your credit if you use the card</a> and pay it down quickly and on time.<br /><br /><br />Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com0tag:blogger.com,1999:blog-4722180227812575433.post-56546642749645768312015-04-26T03:17:00.000-07:002015-04-26T03:17:17.095-07:00Major Ideas That Help You Repair Your CreditMany people have been victimized in credit repair scams, but that is not to say there are no legitimate businesses out there that can help you. If you would like to get your credit back on track, this article is very helpful in letting you know what to look out for when choosing a credit repair company.<br /><br />Remember, as your balances rise, <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">your credit score will fall</a>. It's an inverse property that you have to keep aware at all times. You always want to focus on how much you are utilizing that's available on your card. Having maxed out credit cards is a giant red flag to possible lenders.<br /><br />If a collection agent will not remove a debt that they cannot verify as yours, contact the attorney general's office where the creditor is located. Advise them that the creditor has no written proof of your debt and will not remove the item from your credit. The attorney general's office will contact the creditor for you to have it removed.<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.threeweekdietplan.com/loves/repair" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXc0QGTtvusD3oIBRETKCcgFcj7rzLM89XkcvS8l6MueaadEKF_8cuO1d8JC_6_JTmuHHslwFIjdFGYLP-eVrrUKYkga9nDl9-g367DsojPRhjFkNIJCu3gytU0tL0g6Oy6J-J72K2OCU/s1600/Repair+Your+Credit.jpg" /></a></div>
<br />To keep your credit in top notch shape, borrow no more than 30% of the credit available to you. Keeping your debt lower than 30% of your available credit will help you to maintain a strong credit score with the reporting agencies. It also means less owed to lenders and so, less for you to pay back.<br /><br />Fighting with your creditors may be a challenge and quite frustrating. Keep your cool. It will not pay to get angry and scream at the representative that you are communicating with. It will likely make them less likely to bend on any fees that they could potentially drop for you.<br /><br />Part of a successful credit repair effort is diligent record-keeping. All correspondence involving a credit dispute - both incoming and outgoing - should be saved for reference. <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">Repairing a serious credit problem</a> can be a very complex process. The debtor needs to be ready to refresh his or her memory on issues that may not have been discussed in several months.<br /><br />To successfully repair your credit, you need to create a spending plan. You need to make a schedule and pay all your payments on time, every time. Failing to make payments could continue to harm your credit and make it far more difficult to repair. If something comes up, call your creditors and inform them. They may be able to stop bad reports to the bureau or even let you reduce or reschedule your monthly payments.<br /><br />Know your rights when dealing with the credit bureaus. When you file a dispute over an error, the credit bureau has 30 to 45 days to investigate the error. If the mistake is confirmed, or if the creditor does not respond to the investigation, then the error must be removed from your report. This is your right, and you need to remember that.<br /><br />As this article discussed, <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">credit repair is a legitimate business</a> that has its share of good and bad companies. Knowing who to trust and what to look out for can help guide you in the proper direction of credit repair. Apply the knowledge and advice from this article and you will be able to spot credit repair specialists who are legitimately trying to help.Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com1tag:blogger.com,1999:blog-4722180227812575433.post-45343505072197922162015-04-24T03:09:00.000-07:002015-04-24T03:09:15.764-07:00Credit Problems? Improve Your Situation With These TipsHitting a point in life where you realize you need to repair your credit is a scary moment. We work all our lives and this one little score can make or break our futures. Luckily you do have ways to work on rebuilding your credit and getting back on track. In this article, we will look at some of the top ways to bring your credit score back to life.<br /><br />Remember that even asking for <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">credit has a negative impact on your FICO score</a>. One or two inquiries are not that big of a deal, but keep in mind that these inquiries stay on your credit for 2 years and they will add up. Don't apply for cards or loans just to see if you'd get approved.<br /><br />Getting your credit score up is easily accomplished by using a credit card to pay all of your bills but automatically deducting the full amount of your card from your checking account at the end of each month. The more you use your card, the more your credit score is affected, and setting up auto-pay with your bank prevents you from missing a bill payment or increasing your debt.<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.threeweekdietplan.com/loves/repair" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjS9GCNWxsv24acvt21xoq1jcKyAM9rT_hpfFGk2x83PTzR_jxQgmE941D-8ieiVEG_ouKyicsnPvJA2pG_NP3givw9tFKsgzWkqC32an-6oDoa92NHjwaYuU2D8JN6ZSYdyMlmnlb8v-o/s1600/Credit+Problems.jpg" /></a></div>
<br />Keep your credit card balances low. having a high credit limit on your card can seem like you've won the lottery, but using that entire limit will lower your score. Try to keep balances at a 50% maximum. 30% is more of a prime target. By doing this you are showing that you can handle your credit well, and that you don't need every dollar that has been extended to you.<br /><br />Give your cards a bit of diversity. Have a credit account from three different umbrella companies. For example, having a Visa, MasterCard and Discover, is great. Having three different MasterCard's is not as good. These companies all report to credit bureaus differently and have different lending practices, so lenders want to see a variety when looking at your report.<br /><br /><a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">To build up a good credit score</a>, keep your oldest credit card active. Having a payment history that goes back a few years will definitely improve your score. Work with this institution to establish a good interest rate. Apply for new cards if you need to, but make sure you keep using your oldest card.<br /><br />There exist several non-profit agencies that can help you repair your credit. Instead of reducing the amount you owe (which gets reported negatively) you can work with these organizations who will liaise with the debt collectors to reduce the interest rate, which in effect reduces the amount owed.<br /><br />An important tip to consider when working to repair your credit is the fact that you should set your sights high when it comes to buying a house. At the bare minimum, you should work to attain a 700 FICO score before applying for loans. The money you will save by having a higher credit score will result in thousands and thousands of dollars in savings.<br /><br />Do not try something that you do not know is legal or illegal. Scams abound on the internet that show you how to change your credit file. Of course, this highly illegal, and it will cause you even more problems, because it will not go unnoticed. The legal consequences are expensive, and you might be sentenced to jail.<br /><br />As you can see, rebuilding your credit isn't going to happen overnight. It requires effort and dedication to the task. <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">Our credit scores are used in the decision</a> making processes that affect so many aspects of our lives. Using these tips provided will lay the groundwork you need to be able to have those decisions start going your way.Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com0tag:blogger.com,1999:blog-4722180227812575433.post-83580478226932028782015-04-24T03:04:00.000-07:002015-04-24T03:04:32.538-07:00What Is The Truth about Credit Repair?No one can legally remove accurate and timely negative information from a credit report. The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost. According to the Fair Credit Reporting Act (FCRA):<br /><br /><a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">You’re entitled to a free report </a>if a company takes adverse action against you, like denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft. <br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.threeweekdietplan.com/loves/repair" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqv8XPMyPz3OojjypyjOgujfojX9yGdUzqD0E-LTjFZ5e8MHFrci6oCQPkL6agJrymUoE-kc1LU0-2Novw70ggUAFOCXuXaL-VYAprlXxpqCdf0AnBryG7ogKc73wIINGQCZpsHM3W6ew/s1600/Truth+about+Credit+Repair.jpg" /></a></div>
<br />Each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report, at your request, once every 12 months. <br /><br />You can dispute mistakes or outdated items for free. Under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the consumer reporting company and <br />the information provider.<br /><br /><b>STEP ONE</b><br /><br />Tell the consumer reporting company, in writing, what information you think is inaccurate. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed or corrected. You may <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">want to enclose a copy of your report</a> with the items in question circled. Your letter may look something like the one on page 6. Send your letter by certified mail, “return receipt requested,” so you can document what the consumer reporting company received. Keep copies of your dispute letter and enclosures.<br /><br />Consumer reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file.<br /><br />When the investigation is complete, the consumer reporting company must give you the results in writing and a free copy of your report if the dispute results in a change. If an item is changed or deleted, the consumer reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete. <br /><br />The consumer reporting company also must send you written notice that includes the name, address, and phone number of the information provider. If you request, the consumer reporting company must send notices of any correction to anyone who received your report in the past six months. You can have a corrected copy of your report sent to anyone who received a copy during the past two years for employment purposes. <br /><br />If an investigation doesn’t resolve your dispute with the consumer reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the consumer reporting company to provide your statement to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service.<br /><br /><b>STEP TWO</b><br /><br />Tell the creditor or other information provider, in writing, that you dispute an item. Be sure to include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider reports the <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">item to a consumer reporting company</a>, it must include a notice of your dispute. And if you are correct – that is, if the information is found to be inaccurate – the information provider may not report it again.<br /><br /><br />Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com0tag:blogger.com,1999:blog-4722180227812575433.post-63211880429087961922015-04-24T02:59:00.000-07:002015-04-24T02:59:17.283-07:00Negative Credit Can Affect Your Job SearchBad credit can affect your ability to get more credit. Did you know it also can affect your ability to get or keep a job? Employers often use a credit report when they hire and evaluate employees for promotion, reassignment, or retention.<br /><br />The military has been doing this for years for personnel that require a security clearance. They run background checks with local police, the FBI, and financial institutions. The military does not want to grant a security clearance to <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">individuals with a history of bad credit</a>. This would make them a risk of stealing classified material and selling it to cover their debt.<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.threeweekdietplan.com/loves/repair" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEivqcoSEcx90NqCXRC2eXrKBEw8zlPfFUfTJAU6rwfP_IIkT4Ev7NqcDokRmxjgb3Ryeg8N-9SWmcwYQbasBabN2rRnwKSuHkFir7UJkJZUPzeb2fhPuyfspvLmTpXD_GlArzYKzbXzmWc/s1600/Negative+Credit.jpg" /></a></div>
<br />Add in the current sub-prime lending mess and thousands of foreclosures, you can see why employers are concerned that their new employees have pristine credit. No one wants to hire someone that may be a risk due to huge credit card debt or a mortgage in default.<br /><br />According to the Fair Credit Reporting Act (FCRA), which is enforced by the Federal Trade Commission (FTC) and your state Attorney General, an employer must get your permission to look at your credit report. If you don’t get a job because of information in your report, the employer must show you the report and tell you how to get a copy from the consumer reporting company. There is no charge for the report <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">if you request it within 60 days</a> of getting notice that you did not get the job.<br /><br />The FCRA requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. To order your free annual report from one or all national consumer reporting companies, the annual credit report web site, call toll-free 877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P. O. Box 105281, Atlanta, GA 30348-5281. Do not contact the three nationwide consumer reporting companies individually. They provide free annual credit reports only through 877-322-8228, their web sites, and Annual Credit Report Request Service, P. O. Box 105281, Atlanta, GA 30348-5281.<br /><br />According to the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To protect your rights under the law, contact both the consumer reporting company and the information provider to dispute any information. <br /><br /> It is hard enough to find or maintain a good <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">job without having credit worries spoil it</a>. Keep your credit record clean; check it often, and good luck with the job search.<br /><br /><br />Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com0tag:blogger.com,1999:blog-4722180227812575433.post-10333855423247299632015-04-24T02:54:00.000-07:002015-04-24T02:54:49.617-07:00How Your Credit Score Determines The Size Of Your Bank AccountEvery time you apply for any type of loan or you are issued credit or you pay any bill, it becomes a part of the equation that determines your credit rating.<br /><br />The primary or big three credit agencies are: Experian, Equifax and Trans Union. The credit score they determine is what all major lenders and most companies use when deciding if they will lend you money or issue you credit and the terms that credit will have.<br /><br /><b>Your Credit Rating - What Does It Include?</b><br />All of your current debts are <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">included when determining your credit rating</a>. Basically, your credit rating is a history of all your debts, with special emphasis placed on anything that has gone wrong.<br /><br />A few of the primary factors that determine your overall rating include: Late Payments - The number of times you've been 30, 60, 90 or more than 120 days late on any payment. This could include rent, mortgage, phone bills or any type of credit card. Defaulting (never paying) on a debt will clearly hurt your credit rating for a period of time. In some instances, up to 7 years but each company issuing credit has their own guidelines and in many cases it will cause a negative impact for 2 - 3 years. Owing a high percentage compared to your credit limit also brings down your credit score. For example: If you owe $10,000 on your credit cards you are much better off to owe $3,000 on two different cards with a credit limit of $5,000 each and 4,000 on another card with a credit limit of $6,000 than to owe the entire $10,000 on one card with a credit limit of $10,000.<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.threeweekdietplan.com/loves/repair" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinzaOoptnPHlvFyHClxBUH_NEojVmplYzt9IcdV_P_N5w_y-WeWg4Qg99nZ8pd8LVINCdbnI2W2f9cVCVSpzikGDo4uSfU5Pj3u0OY3bCXBTezrbe05MXjviLu4qxmrDTXYD-Virr3vok/s1600/Your+Credit+Score.jpg" height="126" width="320" /></a></div>
<br />It is also worth considering that the credit report of anyone you live with or more precisely anyone with whom you share a debt obligation with is also linked to your report and if they default or have a late payment, it will reflect on your credit score. This happens with when couples get divorced and one party decides to stop making payments.<br /><br /><b>What is FICO?</b><br />The standard method for expressing <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">your credit rating is called FICO</a>. In a nutshell, it's an acronym for expressing your credit worthiness with a number. FICO was named after the Fair Isaac Corporation, who invented it.<br /><br />One common misconception about credit score is that every time your credit is pulled is that it hurts your credit score. This is how it works.<br /><br />If it's pulled by a lender then it doesn't hurt your score because it's assumed they would only be pulling it to determine if you qualify for a mortgage. On the other hand, if you continually apply for department store credit cards or car loans or similar types of credit and those types companies pull it then it can hurt your credit score, if it's pulled too many times in a short period of time. The exact number of times it can be pulled in a particular time frame before it hurts your score is an industry secret but if you use common sense and don't over apply then you should be ok.<br /><br /><b>Why Your Credit Rating is So Important</b><br />Any time you get turned down for a any type of loan, chances are that it was because of your credit rating. Companies that are considering giving you a loan rely almost exclusively on this rating when making the decision whether or not to issue you credit. Regardless, the bottom line is this. In virtually all cases, the lower your credit score the higher the interest rate.<br /><br />Your credit score directly determines the credit terms you'll receive for any type of loan - mortgage, car, credit cards, etc. And remember, <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">all bills affect your credit rating </a>so if you don't pay your phone bill or your utilities or your rent on time it will have an effect on the terms you receive or even if you qualify for a mortgage or car loan. So get into the habit or paying your bills on time and get a solid credit rating because the amount of money you'll save over your lifetime in interest charges will be huge.<br /><br /><b>Free Credit Reports</b><br />One of latest trends in credit reporting is for companies to offer individuals a free credit report. In and of itself, there's nothing wrong with this but I would like to point out a vital point that you need to be aware of.<br /><br />I mentioned earlier that there are 3 primary credit agencies that lenders rely on looking at your credit. The key factor here is three and that's where you can run into trouble when you get your Free Credit Report. When you get a Free Credit Report you will only be getting the results from one of the primary credit agencies and this can misleading.<br /><br />The reason it's misleading is because virtually ALL lenders will pull what's called a tri-merge credit report when you apply for a loan. They do this in order to get the full picture of your credit history. Then they throw out the high and the low score and use the middle score to determine your credit rating.<br /><br />When you get your <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">Free Credit Report you will only be given</a> a credit report pulled from one of the agencies and so you have a pretty good chance of being misled as to what your actually credit score is. Unless, the credit agency that was used just happened to be the one with the middle credit score you won't have your 'true' credit score. And the reason this matters is because the difference between the three scores can be significant. So be wary of single agency credit reports and when applying for a loan always ask for your middle credit score because that's the only one that really counts.<br /><br />Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com0tag:blogger.com,1999:blog-4722180227812575433.post-65391936312734199712015-04-24T02:47:00.000-07:002015-04-24T02:47:43.018-07:003 Credit Report,Discover How To Improve your Credit Rating<br />
This 3 credit report article was written to answer many of the most frequently asked questions, I hope you find all of this information helpful. <br />
<br />
A 3 credit report can be useful for a variety of reasons. There are three major credit reporting agencies: <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">Experian, Equifax, and TransUnion</a>, and each of them has their own information about your credit, so to get a good credit report, you have to use all 3. Fortunately, you can get a 3 credit report for about $24, and this will tell you all you need to know about your credit rather than wasting time with a so called free online credit report.<br />
<br />
Many institutions need to know your 3 credit report before they will approve of you, and so knowing your credit record can give you a heads up on your chances of receiving all kinds of services. For example, a home loan will not be given if you have a bad credit score, and neither will you qualify for low cost life insurance, a credit card with a low apr, or some times even a lease on a house or car. So knowing your 3 credit report can be a short cut to save you time applying to services which you won't receive. <br />
<br />
<a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.threeweekdietplan.com/loves/repair" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjss6K26p0ge5NIyqTbwypJpKaqbWhKci7-MDKMQ-VXg4fqtyTwT_-5QztOrgWzttp_GzuoJYFKNeVnne8_uv592DF92XASF_k7D713ln8i0FbG0E_ySJt1bEWwXMBIsQ_DVGRsGMbM4BQ/s1600/3+Credit+Report.jpg" height="120" width="320" /></a>Another thing about <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">knowing your 3 credit report score</a> is that it can show you if someone has been defrauding you or stealing your identity. If, for example, someone has been getting accounts in your name and not telling you or paying them, they will show up on your 3 credit reports as a bad score. This will let you take appropriate legal action to get them removed from your record and to get the guy who did it by calling the cops. <br />
<br />
Getting the bad fraud charges off of your 3 credit report score can be a major hassle. Once my mon had serious charges on her 3 credit report because someone was filling for a cellphone using her name from Detroit, and the company would not believe it was not her, even though it was a different residence. To get them to believe it, she had to produce several pieces of identity and mail, as well as her home title to show where she was living. They would not believe that he address was what she said it was until she showed them lots of proof. What a hassle.<br />
<br />
There are many <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">ways you can improve your credit score</a>. One of them is to own credit cards and regularly pay off your payments to show that you are reliable and can be trusted with credit. If you regularly pay off your balance, and are on time with gas, phone, electric, and utility bills, this also can help. In the long run, it is worth it for you to keep your credit good, because it means you qualify for better interest rates, bigger lines of credit,equity line of credit,home equity line of credit ,low apr credit card, and all kinds of other financial benefits that you wouldn't have otherwise. Really, it's easy and you've got nothing to lose.Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com0tag:blogger.com,1999:blog-4722180227812575433.post-19496735105091059572015-04-23T07:30:00.000-07:002015-04-23T07:30:03.640-07:00Tips On Establishing A Credit HistoryEstablishing a credit history is one of the most important things you can do for your future. Your credit history will follow you through your entire life, affecting your loans, insurance premiums and even employment opportunities.<br />
<br />
When you have a good credit history, you receive lower interest rates, better repayment terms and have an easier time apply for a loan. <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">If you have a poor credit history</a>, you will have a harder time finding credit, be subject to higher interest rates and pay higher insurance premiums.<br />
<br />
Think of your credit history as your track record for borrowing. Your credit history tells the lender whether or not you can repay a loan on time. When you apply for credit, the lender will contact one of three major credit reporting agencies: Equifax, Experian or TransUnion. Each credit bureau keeps a record of your credit history, which is supplied by your lenders. Your credit report shows how much you borrow, when you borrow and your payment history.<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.threeweekdietplan.com/loves/repair" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj9j86S35HJf9W3p8-6J2hwfBt_wa0GLyToHl0Hd6Z_UYJSIRgqzwXp0nkrpywGQZy22xgVioxCyg3v4zOGTNkrSWjVQS0CqgE81-ovPySepMXmWMKFlK0NkqTcag0ipK9pWpZ74j6ZsKw/s1600/Establishing+A+Credit+History.jpg" /></a></div>
<br />
Start by establishing a good credit history. You can do this if you have never borrowed money or if you are trying to repair a poor credit history. Establishing credit takes time, patience and wise decisions. The key is to start out with good credit. If you don’t, it will take a long time to rebuild your credit.<br />
<br />
<b>Open A Checking Accounts</b><br />
<br />
A good banking history is the first step in learning how to manage your money. You are forming a relationship with a bank that will help you in securing credit in the future. Manage your account wisely, avoiding overdrafts.<br />
<br />
<b>Take Out A Secured Credit Card</b><br />
<br />
Secured credit cards are recommended for new borrowers. You receive a credit card in return for a deposit in the amount of the credit limit. The deposit is collateral for the credit. The bank will use the deposit to pay your debt if you default on the card repayment terms.<br />
<br />
You use a secured card in the same way as a regular credit card. You can pay off the entire balance each month or make minimum payments. <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">You must make your payment on time</a>. Late payments will not only raise your interest rate and cost you in late fees – they will damage your credit history.<br />
<br />
<b>Use A Gasoline Or Store Credit Card</b><br />
<br />
Many gasoline cards do not allow you to carry a balance from one month to another, making them a good choice for beginners. They are easier to obtain than regular credit cards. You can also take out a store credit card for use at a specific retail stores. Gas and store cards have higher interest rates, but are a good step in creating a credit history.<br />
<br />
<b>Co-Sign On A Loan</b><br />
<br />
You are able to establish credit by co-signing on a loan. For example, your parents may allow you to co-sign on a car loan. This gives you the chance to build a credit history without being subject to high interest rates. You should be cautious when co-signing on any loan. By doing so, you are responsible for the loan. If the other person fails to make a payment, it will show up on your credit history as a late payment.<br />
<br />
<b>Use Your Credit Wisely</b><br />
<br />
Don’t randomly apply for credit cards and loans. Make your decisions based on interest rates and terms. Each time you apply for credit, an inquiry is noted in your credit history. If you have too many inquiries, lenders will become suspicious of you.<br />
<br />
The key to establishing a good credit history is to pay all of your bills and loans on time. Each late payment will count against you. Unpaid medical bills, utilities and bank account overdrafts can also negatively impact your credit report and scores.<br />
<br />
Lenders and credit bureaus take a great interest in your ability to repay your debts. Take the time and <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">effort to establish a good credit history</a>. It will help shape your financial future.
<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com0tag:blogger.com,1999:blog-4722180227812575433.post-91225306779442668282015-04-23T07:25:00.000-07:002015-04-23T07:25:10.478-07:00Helpful Tips For Repairing Your Damaged CreditMany people are almost out of high school before learning anything about their credit. Some never learn about their credit - how to protect or repair it. This article can help anyone, whether you never learned, or just need a refresher about credit repair.<br /><br />Be careful about which collection accounts you pay off. With the current way the credit reporting system is structured, paying off a collection agency may actually lower your score because the date of last activity will be reset. A paid collection has no less of an impact on your score than an open collection. This resetting of the date of last activity also means the seven year reporting clock will restart. If you can wait out a collection agency, do it.<br /><br />Although it requires a lot of time, seven years to be more precise, and a ton of patience, sometimes, simply waiting it out is your best option. Typically, after seven years, <a href="http://www.threeweekdietplan.com/likes/magic" rel="nofollow" target="_blank">bad debt falls off of your credit report</a>. So if you can commit yourself to no new debt for seven years, it could be smooth sailing.<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.threeweekdietplan.com/likes/magic" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.threeweekdietplan.com/likes/magic" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgO6Lm09xSgmCg2r8RBXD1JNDPhBt526hPqRoldsprVUVAbQMTEw2V18_9UDFSgwcSKa2s6Pgr4P0sj7EgEUeILK1olOcSiSw4uK4qlbB3ExTJ6Ga28Zz9L6ZfffqIM5g5xCnWa7XObDMY/s1600/Repairing+Your+Damaged+Credit.jpg" /></a></div>
<br />A bad credit report could influence an employer's decision when you apply for a job. Get the best job that you can, in order to secure a steady monthly income, that you can use to pay off your debt. Once you start making more money, you should be able to build up a better credit history.<br /><br />If you don't want to pay too much at a time, you can avoid paying higher interest rates than you started with. When a creditor hits you with incredibly high interest rates, you may have a case for negotiating to a lower amount. However, you signed a contract agreeing to pay off interests. If you go ahead and sue your creditors, ask that they consider the high rate of interest.<br /><br />Having between two and four active credit cards will improve your credit image and regulate your spending better. Using less than two cards will actually make it more difficult to establish a new and improved spending history but any more than four and you may seem unable to efficiently manage spending. Operating with about three cards makes you look good and spend wiser.<br /><br />Pay off your credit card bill each month. <a href="http://www.threeweekdietplan.com/likes/magic" rel="nofollow" target="_blank">Carrying a balance on your credit card</a> means that you will wind up paying interest. The result is that in the long run you will pay much more for the items than you think. Only charge items that you know you can pay for at the end of the month and you will not have to pay interest.<br /><br />You have two ways of approaching your credit repair. The first way is through hiring a professional attorney who understands the credit laws. Your second option is a do-it-yourself approach which requires you to read up as many online help guides as you can and use the 3-in-1 credit report. Whichever you choose, make sure it is the right choice for you.<br /><br />An important tip to consider when working to repair your credit is to always remain as professional as possible at every point during your credit repair process. This is important because you are dealing with people and people will not only be hesitant to help you if you are not cordial, but they will record it for any future interactions you have with their company. This is a very simple but critical step to follow.<br /><br />To maintain good credit or repair a credit problem, the wise consumer limits him or herself to one credit card. Once superfluous credit cards are paid off the consumer has little reason to hang onto them. They are merely a temptation. Worse yet, they require attention and possibly even maintenance payments. Once the consumer commits to one card there is little reason for them to retain others.<br /><br />If you are trying to repair your credit and you are filing a dispute about an incorrect reporting item, be sure to include as much information as possible in your dispute. The more information the credit reporting agency has on your dispute, the faster it can be dealt with and the sooner your credit score will increase.<br /><br />So, aren't you glad you took a few minutes to learn or <a href="http://www.threeweekdietplan.com/likes/magic" rel="nofollow" target="_blank">remind yourself about credit repair</a>? Remember it is never too late to apply the suggestions provided to protect or repair your credit.Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com1tag:blogger.com,1999:blog-4722180227812575433.post-5304633400868999432015-04-23T07:19:00.000-07:002015-04-23T07:19:07.897-07:00How To Repair Credit - A Brief ReportAre you looking for a way to dig yourself out of mounting debt that just seems to keep getting worse? You're first instinct may be to hire someone to fix the problem, but if you've already got financial problems this might not be the best choice. Why not try to find out how to repair credit and do it yourself?<br /><br />If you've got credit issues, sometimes it can feel like you're in over your head. It can be very hard to pay back your loans on time while staying caught up on your regular bills as well. If this sounds like your situation, you probably don't know where to turn to for help. If you're a very self reliant person you may not want any help at all, and first try <a href="http://www.threeweekdietplan.com/likes/magic" rel="nofollow" target="_blank">learning how to repair credit on your own</a>. This can be an excellent move because no one is going to be more motivated in figuring out how to repair credit than you, since it's your credit standing that's on the line. Only you can undo the damage to your credit score.<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.threeweekdietplan.com/likes/magic" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.threeweekdietplan.com/likes/magic" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4_k7IgMZaYT6NXk4x0j_8aqoaAe1EMcCfZLwElM2nczLdlaGuDvrn_lXSU3WG-sMy5jClgb374wqICvLI3jF9Xpika3cF26J9S8yL07lo5KjsheB8OrcVnSmCCsn2EtakZ0TwqF54HWw/s1600/How+To+Repair+Credit.jpg" /></a></div>
<br />The first step in learning how to repair credit is figuring out how much debt you owe in total. Make up a list of all the outstanding debts you have along with who they are owed to. Getting all your debts accounted for is essential - if you're disorganized to the point that you don't even know how much you owe, it's going to be very difficult to do anything about your situation. You really can't skip this step if you hope to learn how to repair credit.<br /><br />Next you'll want to get a copy of your credit report from one of the three major credit bureaus - <a href="http://www.threeweekdietplan.com/likes/magic" rel="nofollow" target="_blank">Equifax, Experian or TransUnion</a>. You can obtain them for free once a year. When learning the basics of how to repair credit this step is also crucial since you need to know which debts to focus on first. You'll also want to look over them for any mistakes, which are actually quite common to find, so that you can dispute them. Obviously you've got enough issues without being penalized for debt you don't really owe.<br /><br />If you can't find any prominent errors, the next step in how to repair credit is to research your options. Debt consolidation is a common route that many people take. This involves a debt consolidation company acquiring all your outstanding debts and then allowing you to pay them one monthly payment at a lower interest rate.<br /><br />Also you will probably want to research the <a href="http://www.threeweekdietplan.com/likes/magic" rel="nofollow" target="_blank">Credit Repair Organizations Act</a>. It protects you from credit repair organizations which falsify their claims or attempt to bill you before you've received their services.<br /><br />Another thing you can do if you want to know how to repair credit is to apply for a credit card. This might sound like the last thing you want to do, and of course the annual fees and interest rates are going to be quite high, but if you can be responsible and make your monthly payments, it can go a long way toward repairing your credit score.<br /><br />The most important step when it comes to how to repair credit is learning financial responsibility. There's no point in going to all this trouble to correct your credit rating if you're just going to get right back into hot water. For many this can be quite hard and budgeting yourself so you stay within your means can be a lot of work. One thing that might help is debt counseling, which instructs how to stay on top of your finances.<br /><br />In conclusion, I hope this article has provided some useful information in regards to <a href="http://www.threeweekdietplan.com/likes/magic" rel="nofollow" target="_blank">how to repair credit</a>. It can be a wonderful feeling of accomplishment when you've arranged to get out of debt once and for all.<br /><br />Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com1tag:blogger.com,1999:blog-4722180227812575433.post-90250806982290475862015-04-23T07:14:00.000-07:002015-04-23T07:14:02.694-07:00Credit After Bankruptcy – Getting Approved For A MortgageAfter a recent or past bankruptcy, most people want to get on the path toward establishing good credit. To accomplish this goal, some choose to purchase a home. While a new home purchase is a good way to rebuild credit and increase your credit score, purchasing a home after a recent bankruptcy may result in higher interest rates and fees.<br /><br /><b>Establishing Credit after Bankruptcy</b><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.threeweekdietplan.com/like/miracles" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.threeweekdietplan.com/like/miracles" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2uiA3cfsIcdwnXdvd4h1o6nrfahoKjZH532qhtkmDuQVSf4cB3SOK8mhYCplXekoCvfIwi0NbcWJrYqgVh8q8ODBirEzY2py9vWcp6dEvmsTuEe4iOVURylc5vvsJrhai2bqxUJ9CJRM/s1600/Credit+After+Bankruptcy.jpg" /></a></div>
<br />A bankruptcy <a href="http://www.threeweekdietplan.com/like/miracles" rel="nofollow" target="_blank">will remain on your credit report </a>for seven to ten years. During this time, purchasing a new home, car, or obtaining a credit card with a prime interest rate will be tricky. Nonetheless, you need to establish or rebuild your credit. When lenders review your credit application, your score is a key determining factor in whether you are approved. If you have not opened new credit accounts since your bankruptcy, lenders cannot accurately judge your creditworthiness.<br /><br />There are many ways to re-establish credit after a bankruptcy. Getting a department store charge card or a credit card is an option. If you cannot get approved for an unsecured credit card, consider applying for a secured card. Typically, this involves putting a down payment on the card.<br /><br /><b>When Should You Apply for a Home Mortgage Loan?</b><br /><br />If possible, delay applying for a new home loan for at least <a href="http://www.threeweekdietplan.com/like/miracles" rel="nofollow" target="_blank">two years following your bankruptcy</a>. This will allow you ample time to rebuild your credit and boost your credit score. By doing this, you may qualify for better or comparable interest rates.<br /><br />Several lenders will approve a mortgage loan application one day following a bankruptcy discharge. Unfortunately, the interest rates on these loans are several points higher than current market rates. This rate increase will significantly increase your monthly mortgage payment.<br /><br /><b>How to Get Approved for a Home Loan after Bankruptcy?</b><br /><br />Fortunately, it is possible to get a home loan following a recent or past bankruptcy. If you are applying for a loan before re-establishing credit, contact at least four sub prime lenders and obtain online quotes. While the rates you receive will be high, you can always refinance in two years for a better rate.<br /><br />If you have established new credit accounts, frequently check your credit report. If you pay your creditors on time and avoid late payments, <a href="http://www.threeweekdietplan.com/like/miracles" rel="nofollow" target="_blank">your credit rating will improve considerably</a>. After two years, begin contacting mortgage lenders. Likewise, you should also obtain several quotes. To speed up the process, apply through a mortgage brokerage site. A single online application will produce multiple quotes from many different lenders.<br /><br />Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com0tag:blogger.com,1999:blog-4722180227812575433.post-23424159061606827132015-04-23T07:09:00.001-07:002015-04-23T07:09:46.378-07:00Better Your Credit With This Useful AdviceIt's not only irresponsible people who fall into deep debt. People who pay their bills on time and honor their debts, sometimes get struck with a little bit of bad luck that ultimately spirals out of control, and creditors are not forgiving of your bad luck. They want their money and they want it now. But what can you do to fix that bad credit rating? Here are a few tips that can get you started on the road to repairing your credit.<br /><br />Before doing anything, sit down and make a plan of how <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">you are going to rebuild your credit</a> and keep yourself from getting in trouble again. Consider taking a financial management class at your local college. Having a plan in place will give you a concrete place to go to figure out what to do next.<br /><br />Be mindful of the impact that debt consolidation has on your credit. Taking out a debt consolidation loan from a credit repair organization looks just as bad on your credit report as other indicators of a debt crisis, such as entering credit counseling. It is true, however, that in some cases, the money savings from a consolidation loan may be worth the credit score hit.<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.threeweekdietplan.com/loves/repair" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi4RbbQVJLs7FW2iPPrqOj8BxRlnwzrr0Gahl9CgiK18s025GfuKderdCFq_USHtXqehNFtcNZbDm2W_hrl3cNJiMdW6EVr_27WuW1L5OHR7C2R8_bU7L4_P4M7zQg5knYhUeK4t2JTYVw/s1600/Better+Your+Credit.jpg" height="119" width="320" /></a></div>
<br />If your credit history has put you in the position where you are not able to obtain a regular credit card, you should try to get a secured credit card to begin rebuilding your credit. These types of credit cards often require a good faith deposit to open a new account. If you use a credit card responsibly, you will go a long way in repairing your credit.<br /><br />Be immediately proactive if you feel that someone has used your credit illegally. Whether it is through attempted identity theft or fraudulent attempts by non-reputable creditors, these attempts can slip by without vigilance on your part. Take the time to research any report to your file and examine the source.<br /><br />To have a better credit report, <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">pay your bills as quickly as possible</a>. Create a schedule of your monthly payments and stick to it. Your debt will not keep on growing and your report will not contain any late payments. Late payments is something banks and financing agencies look at when granting you a loan.<br /><br />If you want to repair your credit faster, you might want to ask someone if you can borrow some money. Just make sure you pay them back because you don't want to break a relationship up due to money. There's no shame in wanting to better yourself, just be honest with people and they should be understanding in knowing you want to better your lifestyle.<br /><br />If you are looking to repair your credit, then you should not believe a company if they promise they can remove negative information from the report. Specifically if this information is correct. Negative entries that are otherwise accurate will stay on your credit report for a minimum of seven years. If there is incorrect, negative information, you can get it removed.<br /><br />More income is the obvious choice when one is working to repair their credit. Therefore, it is important to consider getting a second job. This is important because it is very likely that you actually do have extra time that you could allocate toward earning income. It is equally important to overcome pride, and realize that your current job may just not be enough for you to dig yourself out of a hole.<br /><br />As you've learned here, there are plenty of steps <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">you can take and ways to repair your credit</a> that will not require having your proverbial day in court. You might have to develop a silver tongue and deal with a little more stress than you're used to, but following these steps can help you get out of debt.Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com0tag:blogger.com,1999:blog-4722180227812575433.post-66594095877685815962015-04-23T07:06:00.000-07:002015-04-23T07:06:21.470-07:00Credit Repair Through Credit CounselingLike many other things in life, budgeting is a skill. Some people are better then others at managing their income and keeping in good standing in regards to their debts. Almost all of us have some sort of debt at any given time: a credit card bill, and outstanding loan, or a mortgage. By managing these debts properly, you will maintain a <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">good credit rating which will allow you</a> to continue to receive credit in the future. If you fail to make timely payments towards your loans - or worse, you let them go in default - you will find yourself stuck with a poor credit rating, which will rob you of many economic opportunities. In order engage in credit repair, you must slowly build your credit rating back up again. One thing that can help you do this is to seek the help of a credit counselor.<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.threeweekdietplan.com/loves/repair" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhzM_ZFE-tc_jADdtHV-YZPqFIExIAyw9nczTIZrHhEc6cW7l3eNuR8mYYTGcsFasV_6kminpEikI-DNRyvwsy39dgr5XOVENTexH8cNWTXR6AE-NEo0pp9gvjvZ1szhxNb7vm2QcGGaLI/s1600/Credit+Counseling.jpg" /></a></div>
<br />In general, credit counseling is performed by non-profit agencies, and is not to be confused with for-profit credit repair companies. The latter should be avoided. Credit repair companies have a reputation for being scams, especially those ones who advertise online. Even if it doesn't turn out to be a scam, it's likely that a credit repair company will do nothing that you can't do yourself: they'll direct you to obtain your credit report and challenge all negative items on it, and may even suggest you attempt illegal activities like getting a "new" credit rating thorough a different address.<br /><br />In contrast, a credit counseling service will only provide advice, and in a context that precludes a profit motive. This is the best and most intelligent <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">way to engage in credit repair</a>. To deny that rebuilding your credit rating will be a long process requiring time and discipline is to do yourself a disservice, and a credit counselor will help you make the long term plans and decisions you need to in order to engage in effective credit repair.<br /><br />Most good credit counseling organizations will provide you with advice and workshops, as well as educational materials. They will help you learn to both make and stick to a budget, which over the long term will be extremely beneficial to your credit rating. They will also be able to provide you with one-on-one counseling, so you can examine and learn to make good economic decisions based on your particular credit experience.<br /><br />The problem with credit repair companies - and the reason you should be suspicious of them - is that they propose a quick, one size fits all solution. Anyone who claims they can quickly fix your credit without knowing anything about the situation is not being truthful. A credit councilor can be crucial in providing exactly the kind of particular attention that a credit repair company will avoid.<br /><br />Most importantly, if you engage in credit repair by using a councilor, your solutions will be more long term, because you will be learning how to manage your budget more effectively, and making permanent changes to your spending habits. This is far <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">preferable to paying a credit repair company</a> that promises a quick solution that is of no educational value to you.<br /><br />Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com0tag:blogger.com,1999:blog-4722180227812575433.post-66335377078361381062015-04-23T07:02:00.001-07:002015-04-23T07:02:33.375-07:00Bad Credit Repair - How To Restore Your Credit And Your LifeBad credit is a burden to many people. Bad credit is caused by financial debt. Bad credit prevents people from being able to make purchases, acquire loans, and sometimes even get jobs. If you have bad credit, you should repair it immediately. The information in this article will help you repair and restore your credit as well as your life.<br />
<br />
It is often difficult for us when we have <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">bad credit and not knowing where to start</a> to get back on our feet again is even more frustrating.<br /><br />If you have bad credit, you might want to check into a few resources that can help you find a solution to your credit problem. Life does not have to be difficult and all of us make mistakes.<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.threeweekdietplan.com/loves/repair" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEha57lT9G_DpAykiR906_eV8ePXF_EVQ0LDGc7BkTEGMQKvTIMmp9XtP-nv7oX4xqG_EFWVgCZ3zso5c_7gABU_fj8UzH6ocqLJwRC52yEIx1_nerzyGFlsBHAobnFbcjG1Cf4dOdkBTq4/s1600/Restore+Your+Credit.jpg" /></a></div>
<br />Bad credit is an obstacle and if you want to run you are about to get yourself into a situation that you do not really need. There is always a solution to most problems. The problem most times is some of us do not have the means to find solutions to our problems.<br /><br />In this article, I am going to make it quick and to the point, helping you repair your credit through the process.<br /><br />So the first step is to collect copies of your credit report from the major credit bureaus. Credit bureaus compile and sell information about consumers and are a principal source of information about your credit history.<br /><br />You are entitled to receive a free copy of your credit report if you have been denied credit within the past 60 days. If you have not been denied credit within the past 60 days, you can order your credit report by paying a fee.<br /><br />Next, review your <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">credit report watching closely for errors</a> (items that do not belong to you). Dispute any errors on your reports immediately with the credit bureaus. Any errors or inaccurate information will be deleted.<br /><br />Under the Fair Credit Reporting Act, all negative information seven years old or more must be deleted. Bankruptcy stay on credit report for up to 10 years or longer.<br /><br />Once you dispute the negative information, you will receive a copy of your report from the credit bureau, showing the items that were removed and the items that were verified as accurate. The dispute method of removing negative information from your credit file can improve your credit rating.<br /><br />The Internet offers credit report information, guides, and kits, which can lead you in the right direction to repairing credit. You might want to surf the Net for resources that can help you find a way out of bad credit.<br />
<br />In conclusion, bad credit is a burden. Bad credit is caused by debt and denies people access to purchases, loans, and jobs. <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">Bad credit should be repaired immediately</a>, and if you remember the information that was provided in this article, then you will be on the right path to credit repair.Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com0tag:blogger.com,1999:blog-4722180227812575433.post-7728381944559768212015-04-23T06:57:00.000-07:002015-04-23T06:57:48.068-07:00Simple Ways to Repair Your CreditsThe ramifications of having a bad credit score are frustrating to deal with. If you have made some bad choices in the past, it can be even more frustrating. Meanwhile rebuilding your credit may seem like a challenging process, but it is doable. Read this article for some strategies that can help.<br /><br />Keep all of your credit card accounts open, provided there are no fees to do so, in order to keep your credit score up. <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">Closing a credit card account may hurt you</a> in the end, so if your credit score is fragile and you need to build it up, keep your accounts open, particularly if they have a balance currently.<br /><br />All documentation that you send to reporting agencies should be sent by certified mail. Through this method you will have documentation of your sending and the agencies will be giving a return receipt of the mailing. In this way you are guaranteeing that from your end to their end, the required steps have been met.<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.threeweekdietplan.com/loves/repair" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5BvHQ2g6TxoSBjeprW53DeksWyXAu9Va0_2wiQ1gOQSklYmLU-qwzZLE1uvhkenKYOrY9qiLOuwE_K0IKaz8-4uxiSVrpYaKZK9yLscCHNqDqM3TDusIlD3ma-vaePZuRprMTCu9obOY/s1600/Ways+to+Repair+Your+Credits.jpg" /></a></div>
<br />Limit yourself to 3 open credit card accounts. Too much credit can make you seem greedy and also scare off lenders with how much you could potentially spend in a short period of time. They will want to see that you have several accounts in good standing, but too much of a good thing, will become a negative thing.<br /><br />If you have bad credit, do not use your children's credit or another relative's. This will lower their credit score before they even had a chance to build it. If your children grow up with a good credit score, they might be able to borrow money in their name to help you out later in life.<br /><br />It is a bad idea to threaten credit companies that you are trying to work out a deal with. You may be angry, but only make threats if you're able to back them up. Make sure to act in a cooperative manner when you're <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">dealing with the collection agencies</a> and creditors so you can work out a deal with them.<br /><br />An important tip to consider when working to repair your credit is to be sure that you spread your debt around if you have multiple credit cards. This is important because it is better to have to cards at a medium or medium low balance than to have one card at a low balance and one at a high balance. Your score will suffer otherwise.<br /><br />An important tip to consider when working to repair your credit is to always consider credit counselling before making any drastic decisions. This is important because you may not know what is always best for you and it is sometimes best to leave it up to the experts. There are many free and government provided debt counseling agencies.<br /><br />If you are trying to improve your credit score, keep open your longest-running credit card. The longer your account is open, the more impact it has on your credit score. Being a long-term customer may also give you some negotiating power on aspects of your account such as interest rate.<br /><br />If you check your credit report and see an error on it, contact the creditor immediately. They have 28 days to respond to you and correct the matter or give you a reason why they do not think that it is a mistake. It will save your credit score if you take the time to look into this carefully and fight the errors that you find.<br /><br />Following the advice given here will go a long <a href="http://www.threeweekdietplan.com/loves/repair" rel="nofollow" target="_blank">way towards building the credit score</a> that you want. You have to come up with a solid plan, follow it in a consistent way, and make it your priority. Fixing a credit problem is far from impossible, and the faster you get to it, the better your results will be.Anonymoushttp://www.blogger.com/profile/17709019962276268743noreply@blogger.com0