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Posted by admin | Under Bad Credit Repair Friday Oct 2, 2009Does Credit Repair Really Work?
Posted by admin | Under Sunday Aug 9, 2009
Credit Repair Magic Will Fix Your Credit Faster than Any Other Credit Repair System at Any Price. . . Guaranteed Stop paying more for everything you purchase because of a bad credit score!
Click here for more information!
How to Raise Your Credit Score.
Posted by admin | Under dispute credit Sunday Feb 1, 2009“How to Absolutely, Positively Raise your Credit Score by as Much as 157 Points in 60 Days.”
Don’t Pay a Dime for a Credit Repair Service until you read this
Hi, I’m Rob Kosberg, a credit and loan consultant with 20 years experience and over a thousand satisfied clients, but honestly, who cares about that. I only mention it because of the fly by night credit repair companies that are giving us all a bad name. You may have even lost money to one of them already!
It has never been more important to have excellent credit and regardless of the mess you’re in now it can be “cleaned up”. Here’s some basics to get you started but make sure that you check back here for additional information I will be posting.
Credit Scoring Basics
Credit scoring has become vital to the functioning of our financial system, and with all the current turmoil on Wall street it is more important than ever for you to understand how it works. If you understand how the system works, after all, you can make it work to your advantage.
If you have not gotten your credit reports yet you can obtain your free reports at annualcreditreport.com. They will not require you to sign up for a monthly monitoring service and you can get all 3 bureaus. I am not affiliated with them in any way but I recommend them because they really are FREE.
Once you get your tri-merge report there are a couple things to be aware of. Here are some basic pointers for you:
Use your Credit: If you don’t use credit, then how can the credit agencies assign you a credit score? Spend $50 monthly on your credit cards and then pay it in full to maximize your score.
30% is Just Right: Having your credit card balances at or below 30 percent of their limits shows an ability to manage credit well. If you have one card maxed out and credit availability on other cards then consider paying down the maxed card by spreading out your credit card debt among the others.
Credit History is Key: Never, never, never close unused credit cards. It amazes me how many people think that by closing them they will raise their score but in reality it does the exact opposite.
Be on Time: The credit bureaus expect you to pay on time and will penalize you considerably if you are not. At 35 percent, this is the largest component of your credit score.
Some of these things you can do immediately to raise your credit score quickly but most of the credit scoring basics are meant to give you the information you need to maintain good credit health as you move forward. If you need to repair or reform your credit I will discuss things you can begin doing immediately in tomorrows issue.
**At any time you can outsource the work to our firm. Our staff of advisers and consultants will work for you to clear up your credit 100% Guaranteed! Our average client has over 45% of all their derogatory credit cleared off in as little as 45-60 days – charge offs, liens, bankruptcies, and collections!
Go to www.yourcfs.com to sign up now, or call me for a no obligation consultation- 888.337.8777
Disputing Negative Records With Credit Reporting Agencies Part1
Posted by admin | Under Fast credit repair Wednesday Jul 28, 2010
Disputing Negative Records With Credit Reporting Agencies Part1
The procedure of disputing errors with Consumer reporting agencies is simple and is described on the FTCs web site. It is also described in the guides you can get on our web site http://www.101creditrepair.com
Here are the basic steps:
Get and review your credit report. You can use annualcreditreport.com to get a free report from each of big free credit reporting agencies once a year. I suggest to subscribe to a service from Experian.com, or Equifax.com – for a small fee you will get unlimited number or reports. It will help you to monitor your progress.
Identify records to correct / remove (I have another video about analyzing credit report, or read about it in my guide at http://www.101creditrepair.com ).
Write letter to the CRAs (Credit Reporting Agencies) asking them to make required corrections. Make copies for your file. Send via certified mail (keep the receipt).
The CRA must investigate your dispute and reply in 30 (or 45) days.
If they corrected – great.
If CRAs have verified the record as valid, then the next step will be to contact the institution which has placed the record (original lender or collection agency) as described in the next video. See also at http://www.101creditrepair.com
Note: I recommend certified mail because other methods (phone, internet, etc.) don’t provide easy and uniform way to keep track of all correspondence. But if you still prefer these other methods, you must keep the log of all the events: when did you call, who did you talk to, what did you discuss, or what have you entered in the web form, etc.
Duration : 0:3:41
How to fix bad credit
Posted by admin | Under Bad Credit Repair Wednesday Jul 28, 2010
http://www.attractivecredit.com – http://www.attractivecreditsecrets.com
This video is part of a do it yourself self help credit repair ecourse. To access the full length video and the powerful program guide visit the sites above.
How your credit scores are calculated, credit scores, credit repair, improve credit scores, how to fix bad credit
Duration : 0:3:56
Do you dispute a credit report for this reason?
Posted by admin | Under dispute credit Wednesday Jul 28, 2010We have paid a couple of my husband’s old debts, but the collection agencies have not shown that they have been paid on his credit report.
Is this a reason to dispute or should we wait for the collection agencies to fix this?
One of them has been about 45 days and the other 3 were paid about a week later.
Dispute it through the credit reports.
Put "amount paid in full – please change status"
The bureau will verify that the item has been paid and change the status.
Note: Have you given this at LEAST 45 days since you made the payment?
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I want to fix my credit. But the lenders, debt buyers, lingo, terms, etc are overwhelming. Who can help?
Posted by admin | Under Fix my credit Wednesday Jul 28, 2010I need someone who will explain things to me in this way:
"This company bought this debt from this company. Thats why it is on here twice," and stuff like that.
I also want someone that has enough experience to say "Paying this debt off is NOT going to fix your credit score. Besides….its going to fall off your report in two years anyway."
I understand that credit consolidating companies ONLY consolidate my credit. They dont bother with drafting "Pay For Delete" letters and actually trying to RAISE my credit score.
Basically I need someone to take my credit reports and come up with a master plan. I want a financial advisor, I guess!
Dont anyone understand what I need????
PS – I am in Chicago
Take it one step at a time. For starters, paying off derogatory items will NOT improve your score. The damage is done and will remain for the balance of the 7 year reporting period, whether paid or not. That means that anything that has been charged off and sent to collections has already hurt your score.
Derogatory items age off your credit report 7-1/2 years from the date of first deficiency (default) — not the date the account opened or the date reported. It’s 7 years from when you stopped paying on the account. Credit reports often show the date the item will age off.
Pay for delete agreements only work for single entry items like medical or utility bills. Collection agencies can only remove what they report. It doesn’t work for regularly reported items like installment loans and credit cards because the original creditor’s charge off remains. It is also getting harder to get collection agencies to accept pay for delete agreements. The credit bureaus frown on removing legitimate items and more collection agencies are complying with the credit bureau policy.
Forget consolidation companies. Forget debt settlement companies. Forget credit repair companies. They can’t raise your score and will just cost a lot of money.
To improve your score, you need at least 24 months of consistent, on time payment history. If you don’t have an open active account, get a credit card, even if you have to get a secured card. Use the card and pay the balance in full every month.
Credit Dispute Letters – A Guide
Posted by admin | Under dispute credit Sunday Jul 25, 2010
how to write credit dispute letters and free Credit Repair Consultancy: http://www.creditrepairinfo.com
Duration : 0:6:31
Fast Credit Repair
Posted by admin | Under Fast credit repair Sunday Jul 25, 2010
Fast Credit Repair DIY Guide and Free Consultancy: http://www.creditrepairinfo.com
Duration : 0:4:4
Credit Repair Motivator – Fix my Credit
Posted by admin | Under Fix my credit Sunday Jul 25, 2010
a guide to credit repair – free consultation: http://www.creditrepairinfo.com
Duration : 0:1:17
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