http://InstantApprovalCreditCard.Info/2008/03/27/dispute-items-on-my-credit-report/ Learn how to dispute credit report information with CRA’s or credit reporting agencies also known as bureaus.

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Im trying to figure out what to write to dispute credit inquire.

You can now dispute with all of the bureaus online or by phone. If you want to send a certified letter through the mail, below is a link for a sample letter to dispute items.

What is teh best credit card to get to help fix credit? My Credit score is not good…Like a 550…I Need to get a credit card but no one will approve me! Help!

Go to your bank and ask about a secured credit card. You deposit $x and that is used as collateral for the credit card. Use the card and pay it off in full every month. After 6 months to a year, you'll be able to get a regular credit card.

If your score is so bad, you should consider cleaning up your credit report. Get a copy of your credit report (AnnualCreditReport.com) and start with the newest delinquency and work back to the oldest. Negotiate settlements — paid negatives are better than unpaid.

Get any settlement agreement in writing and don't give them access to your bank account.

I'm recently working on getting divorced & my credit was badly damaged because of that. My bank is working with me to help me recover, but I am looking for a basic credit card, not necessairily a large line of credit, and one with REASONABLE fees and interest rates. Also, looking for credit repair services that really work and that areasonably priced.

I would to have to say honestly that I wouldn't do that if I were you. I would not go in that direction. I wouldn't want to be in your shoes when the bill comes in for that credit card(s) start coming in cause in the long run you will have you self A NICE BIG FAT HOLE DUG AND it will take a long time to dig your way out, and then it will take you a much longer time to really get any kind of credit and NOT JUST WITH A BANK . My husband & I did it once with a gas card thought we were smart . In the long haul of it all it took forever to pay it off cause IT'S LIKE HAVING ONE OF THOSE REVOLVING accounts & when the bill arrives, IT COME IN WITH LARGE FEES AND percentages attached TO THEM too .. It may take awhile to rebuild your credit with you being single but you would be better off waiting awhile than to put yourself into that kind of debit especially with a divorce and all. BE PATIENT AND WAIT THAT'S MY ADVICE. I DON'T BELIEVE YOU would be very happy if you put yourself in that kind of debt ..

I've bookmarked this site…

http://debt.123thebest.info/credit_card.html

Good Luck.

www.bestbeaconscore.com aritos@yahoo.com or 956-884-0310. start the year off right, make it a point to fix your credit now! 14 years in the business. plans start at 99.00, couples discounts available. results in as little as 3 weeks. call me now! consults are always free.

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How to fix my credit

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I was informed once that there is a way to repair your credit if you pay a certain amount of money in order to get approved for a homeowners loan. Is this true? And how do I find the repair person?

No. This is bogus. "Repairing" your credit is not a fast, overnight thing that can be done by paying a fee to someone. Don't do it. I have done this sort of thing and it does work, but depending on what the negative items are in your credit report and which credit reporting agency its it could take up to two years (maybe even longer) and there is no guarantee it will work at all.

You can find more info here:

http://debt.123thebest.info/credit_card.html

Good Luck.

http://www.lexcredit.com
Credit repair services for those who feel their credit scores do not accurately reflect their credit risk. Helping consumers take action on their credit since 1991, Lexington Law has served over 1/2 million clients.

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I really would like to repair my own credit without having to pay someone.I recently enrolled into a service online that lets me see my credit scores from all three credit bureaus but what can I do from there.Do I need to remove all or just certain ones?Any advice would be very apreciated.

First, it would help to know what makes up your score:

1. Payment history- 35%
2. Total debt owed to avialable credit ratio-30%
3. Length of time establishing credit-15%
4. Types of credit established-10%
5. Inquiries and New accounts-10%

Now, with that out of the way, here's your plan of attack.

First, you should open a checking and savings account if you haven't already. This equips you with a means to pay bills and to manage your money. Also it establishes and develops a relationship between you and the bank which can help get loans and credit cards later down the line. Most banks offer online billpay which can be the most powerful tool in building credit.

You should arrange the negative items on your reports from least to greatest, most recent to oldest. The most recent items are having the biggest impact on your score. Items that are 5 years or older don't have much of a negative impact anymore. The next 4 links I posted explain how you can negotiate paying off old items hopefully in exchange for getting them removed from your report altogether

http://www.creditinfocenter.com/debt/settle_debts.shtml

http://www.creditinfocenter.com/debt/neg_rating_after_settle.shtml

http://www.creditinfocenter.com/debt/CanCreditorSue4SettlementDifferences.shtml

http://www.creditinfocenter.com/debt/ActualDebtSuccesses.shtml

This is very effective in order to get rid of collection accounts for much less than had you just paid them off. If you're successful in getting any if not all removed, then what you should do is open new accounts to replace the old ones.

Something that you should know is that anytime that you apply for credit, whether you're approved or not, a "hard inquiry" is created which lowers your score. Since your score is low to begin with, it's important to open accounts that you have a good chance of getting approved for. Secured credit cards are a good example of this. How it works is that a deposit which is used as collateral is placed upfront in order to establish a line of credit. For example, if you deposit $300, then you would get a credit card with a $300 credit line. The deposit isn't used to repay the card unless it went to collections, so you would still have to pay a balance and a minimum payment just like a regular card. 2 benefits though to a secured card is that there is more control over the credit line, meaning that it can be increased by adding to the deposit. Also, the deposit is sometimes linked to a savings account which can gain interest while credit is established, so the deposit isn't just sitting there. It helps to increase the credit limit as much as possible while it's secured because the high limit helps the score by creating a cushion of available credit and the total debt that's owed. A perfect way to use the card without going into debt would be to use it to pay for that monthly online credit monitoring service every month, and that's it. Pay it off every month, and increase the credit line. This way credit is being built by showing activity, without having to go into debt while doing it. Usually after a year of paying the balance off every month, the card either converts to a regular card or a better card is offered, and most importantly the deposit is no longer needed and is given back to you. It's a good chances that other offers for credit will start coming in, but my suggestion would be to repeat the process with another secured company. At least with a secured card, you can dictate what the credit limt is, and not the credit card company.

These are just a few tips on what to do to get you started in rebuidling your credit.

I posted links to some secured cards as well as some credit repair sites that I think will help!

I thank you for reading and good luck!

http://www.AttractiveCredit.com
http://www.AttractiveCreditsecrets.com

Credit Repair Tips

Visit us on our website and receive credit repair tips and restoration eCourse valued at $97 dollars FREE. Also get access to all the easy step by step video tutorials. Increase your credit score fast with these powerful techniques and strategies. These secrets to increase your credit scores are NEW for 2008 and 2009.

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