Credit Repair

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Article : Credit Repair Services - 3 Things To Avoid With Credit Repair Com
2008-04-02 12:26:00
Submitted By: L. SampsonIf you're thinking about applying for a loan or a credit card in the future, you may want to check your credit report and credit score. And if you have a few black marks, there are credit repair companies that can help you boost your score and fix any negative marks. To make sure you choose a reputable credit repair company, watch out for these warning signs: Quick fixes "Your credit will be repaired in one week!" "It takes just three days to improve your credit score by 100 points!" Promises like this are just scam artists trying to get your business so they can take your money and run. In general, it'll take a legitimate credit repair company at least a month to make any changes to your credit report. That's because they usually have to contact the creditor and the credit reporting agency--and paperwork takes time. In fact, chances are you won't see a major difference in your credit score for about two or three months. A New Identity "We'll get you a n...
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Article : How To Repair Your Credit Using Credit Repair Services - Save Hu
2008-04-02 12:24:00
Credit Repair Services are available to consumers that want to repair their own credit and eliminate high cost attorney or credit counseling services. If you have little money and more time you may want to consider using a credit repair service and repair your own credit.Many people do not understand the American credit system. The credit system has "little credit secrets" that they do not want consumers to know about. If the credit bureaus do not intimidate you, then you might consider using a credit repair service to repair your credit.Credit repair services offer you an understanding of how the American credit system operates. They can show you step by step how to raise your credit score and eliminate debt if you are willing to take advantage of their services.By using these credit repair services you can improve your credit much faster and more efficiently without paying (up to) $795 for attorney fees. Utilizing these do it yourself credit repair services versus a credit counsel...
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Article : What to Do If a Bill Collector Crosses the Line
2008-04-02 12:20:00
Here's what to do if a bill collector uses abusive tactics.It's stressful to be unable to pay your bills on time. It's even more stressful to hear from a bill collector about those overdue debts. Although bill collectors can be persistent (that's their job), many are careful to follow the law when contacting you. Unfortunately, some are not. If a bill collector oversteps the bounds of the law, you can take action...read all...
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Article : Automatic Deductions: Watch Out for Pitfalls
2008-04-02 12:19:00
Problems you may experience with authorizing an automatic deduction.Automatic deductions (debits) from bank accounts can be a convenient way to pay some regular bills, saving you time, checks, and postage. Nowadays people pre-authorize monthly debits for everything from mortgages, student loans, and utilities to car payments, life insurance premiums, and health club memberships. But you can get into trouble if your automatic payment goes awry...read all...
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Article : Which Debts Must You Repay?
2008-04-02 12:17:00
All debts are not created equal. Learn which are most important.Some debts are more important than others. If you are having trouble paying your bills, take the time to prioritize your debts. Make a list of essential and nonessential debts -- and always pay the essential debts first. Read on to learn which debts are essential and which aren't...read all...
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Article : Avoiding credit repair scams
2008-03-03 01:09:00
Cleaning up your history could get you into bigger trouble if you get taken in. Here's how to see through a con game.By Gerri Willis, CNNFebruary 18 2008: 11:53 AM ESTNEW YORK (CNNMoney.com) -- Banks are tightening their purse strings, making it harder to qualify for loans. And now the Better Business Bureau is warning that some companies are using the credit crunch to take advantage of consumers who want to clean up their credit. Here are some top tips on avoiding these scams. ...read all...
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Link to a forum : Are credit repair services legit?
2008-02-12 01:32:00
(10 posts)First post of this forum : "So I just got a copy of my credit report and I have 3 charged off accounts on there from 3 years ago. I found a credit repair agency online that claims it can remove them, but are credit repair agencies legit? :confused: I am applying for a mortgage soon and I need these off ASAP."see this forum at : http://www.destroydebt.com/forum/t/537-ar e-credit-repair-services-legit.html
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Link to a forum : Best way to repair bad credit?
2008-02-12 01:31:00
Jan 2008 (7 posts)First post of this forum : "Short of the obvious,is anyone fimiluar with working with a specific "bad credit" repair company. I have been told they can pretty much wipe your credit clean and find that very hard to believe. I have tax leins and a discharged bankruptcy on my report and was told they can wipe that out.Very doubtful i believe, and dont want to just start throwing money out to these people with no results. Can anyone reccommend the best and safest solution in repairing my history and what actually can be removed?"see this forum at : http://aaacreditguide.com/forums/credit-r epair/5367-best-way-repair-bad-credit.htm l
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Link to a forum : credit repair progress
2008-02-12 01:22:00
opened at 04-28-2007 (73 posts)First post of this forum : "I thought that I would start a thread just for myself to remember where I have been and where I am going on my credit repair journey. Of course, you're welcome to read it and make comments. My credit WAS at around 720. That was in January of 2004 when I applied for my mortgage. Then life happened... My goal is to be back to where I started. I would like to be comfortably above 700.Here are my scores:TransUnion654 4/28/2007639 1/25/2007634 9/22/2006Equifax648 04/21/2007631 2/22/2007631 1/1/2007608 10/27/2006Experian683 4/28/2007683 2/2/2007683 10/27/2006WAY before I found this site, I joined a CCCS and started on a DMP. This was around July of 2005. I am one of the few lucky ones that have found a good company to deal with. They have made some odd errors but overall I'm happy. They have lowered my interest rates quite a bit and I can comfortably pay back the money that I owe.Since being on CCCS you're technically NOT suppo...
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News : Credit Repair Eases Home Buying
2008-02-12 01:19:00
Daily Real Estate News | February 7, 2008Getting a mortgage has gotten more difficult, even for people with excellent credit. So it pays for potential buyers to examine their credit history. Here are some smart steps to suggest potential buyers take: ... read all..
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News : When is a Credit Repair Offer a Scam?
2008-02-12 01:18:00
2/1/2008By the end of 2007, Americans owed more than $915 billion in credit card debt, and the credit crunch is clearly impacting consumers as lenders are becoming more choosey about who gets loans and who doesn’t. Given, stricter loan and credit requirements, Better Business Bureau (BBB) is warning that some companies are using the credit crunch to take advantage of consumers by promising bogus credit repair services that can be costly and in some cases illegal...read all..
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News : Spotting Credit Repair, Counseling Scams
2008-02-12 01:16:00
Ray Martin On How To Avoid Getting Taken When Seeking HelpNEW YORK, Feb. 7 2008With a perfect storm of falling housing values, rising loan defaults and a slowing economy, more folks are struggling to manage their debts, and more will turn to companies that sell credit repair and credit counseling services....read all..
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Article : 5 steps to do-it-yourself credit repair
2008-02-12 01:15:00
By Dani Arthur • Bankrate.com Blotches on your credit report cost you. But, don't despair. It's never too late to become credit worthy -- just get started, and remember that it won't happen overnight. Here are 5 steps for improving your credit rating:.....read all..
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Article : How to Use Credit Cards Responsibly
2008-02-12 01:13:00
Introduction Credit cards are very useful, when used responsibly. It seems that many people acquire a lot of debt, but don't have the means to repay the money. Poor credit decisions can lower your personal score and make it harder to finance a home or car. For this reason, it is important for everyone to develop smarter credit habits. .... read all..
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Link to a forum : 2nd round of disputes, or the next mile of my journey
2008-01-06 02:47:00
11-25-2007 (15 posts)First comment from this forum :"About 8 months ago, I found this site and began my credit repair journey.Since then, I have had 16 deletes that include 1 repo for a total of nearly $16K removed from my report.All 3 or my fico scores have increased by over 100 points.I have fought Cap 1 in court and won. (finally getting them off my reports).Yet, there are quite a few left, including several that slipped in while I was first learning the ropes here.Today, I sent off (online) my second round of disputes.With EQ I disputed:5 items as "not mine"1 item as "never paid late"With EX I disputed:4 items as "not mine"2 items as "never paid late"1 item as "obsolete"With TU (they are going to crucify me, either with a Fraud alert of frivilous activity) I disputed:9 items as "not mine"2 as "obsolete"2 as "never paid late"There are 3 OC's that I plan to mail dispute letters to this week, I am working on them now. I have disputed with the CRAs all three items and they came bac...
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Link to a forum : Bumpage *b and truecredit
2008-01-06 02:40:00
01-06-2006 (54 posts)First comment from this forum :"there has been tons of questions lately about bumpage also known as *b. so here it is in a nutshell..... first of all, this is somewhat of a secret or glich and we dont want to talk a whole lot about it in every thread.if you subscribe to daily credit pulls through truecredit and you pull your credit reports everyday..(this is known as soft pulls) after a while (takes about 3 months on average) the soft pulls will bump off the hard inquiries made to your credit reports. this only works on your TransUnion and Equifax reports. There is no ryme or reason as to when you will get this or to the extent it will work on equifax. there is only so much storage at these two CRA's for inquiries... so the softs eventually bump off the creditor hard inquiries. you will need to pull every day.. and do the update your credit reports and scores button on the site under credit reports tab. on the right side of the page near the bottom... it says u...
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Link to a forum : I am a newbie if someone could clarify for me.
2007-12-24 15:33:00
First comment from this forum :23-12-2007 (>10 posts)"I received a phonecall this week from Portfolio Recovery Assoc. and they were trying to remind me of a debt that I owe from 17 (seventeen years ago) they wanted to know what kind of arrangements I wanted to make in order to pay them the amount they said that I owe. I was very brave because I know my rights. I said NONE. I told them that has passed the SOL many times over and that they could be sued for trying to collect a debt after the SOL. Am I correct and what should be the next step if any? I did look at the combo letter in the first newbie Sticky.Best,Rob"see this forum at : http://www.debt-consolidation-credit-repa ir-service.com/forums/showthread.php?t=27 9252
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Link to a forum : Newbie Denied by Hooters
2007-12-13 20:49:00
First comment from this forum : 12-11-2007 (21 posts)"I am trying to rebuild my credit to buy a home in 6 months. It doesn't look like it is working! Hooters just denied me.Good Credit:I have two credit cards with low balance to limit ratio (9 and 6 month perfect history), and an auto loan (12 month perfect history).Bad Credit:2 student loans in default reporting to all 3 CRA's. Any suggestions on a rehab program? They want 20% down and 9 months to report to CRA's.1 collection with Experian that is paid.1 collection with Equifax that is paid. 1 student loan duplicate.Can anyone suggest a reputable service to use? I don't stay on top of it.Your Latest FICO® ScoresTransUnion558 Date: 12/10/2007Equifax599 Date: 12/10/2007Experian485 Date: 12/10/2007Thanks"see this forum at : http://www.debt-consolidation-credit-repa ir-service.com/forums/showthread.php?t=27 8733
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Link to a forum : Does anyone else agree???
2007-12-05 19:43:00
First comment from this forum :09-10-2007 (151 posts)"... That waiting for the results of a dispute is excruciating & painfull. 2010 is toooooo far away "see this forum at : http://www.debt-consolidation-credit-repa ir-service.com/forums/showthread.php?t=27 4193
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Link to a forum : Where to begin
2007-12-05 19:35:00
First comment from this forum :08-13-2007 (11 posts)"This is my first time posting and I need some advice as to how to start repairing my credit. What I would like to do is remove as much as possible. I've been reading about all these different types of letters and steps to take. I already have my credit report, and there are about 10 things I would like removed. I have:-2 charge off's, which are both store credit cards for about $100 each, which were opened in 2001 or 2002 and havent been used/payed for at least 2 years-3 credit cards for between $500-$1500 each, which also haven't been used/payed for a couple years-a bunch of cell phone bills that have been turned over to creditorsI was also reading about deleting old addresses, which I would like more info about. My store credit cards were both opened at a super old adress from about 5 years ago, and I could probably disute everything from that address.Someone please tell me where to begin!(if you have the time for an e-mail, ...
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Below are the most searched keywords,about 'credit repair',in the internet
2007-11-25 17:58:00
Search Word 170865 credit repair 6337 bad credit repair 5796 credit repair services 3822 credit report repair 3478 credit repair company 3155 credit repair debt consolidation 2675 free credit repair 2257 fast credit repair 2253 credit repair service 1885 credit repair attorney 1638 repair credit score 1442 fix bad credit report repair 1440 free credit repair help 1337 free sample credit repair letter 1268 legal credit repair 1252 credit repair after bankruptcy 1203 free credit repair letter 1187 credit repair kit 1099 emergency credit repair 1083 credit repair business 1006 credit repair loansource : http://www.zirve100.net/incele.php
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Link to a forum : PRIMER on credit repair.
2007-11-17 13:31:00
First comment from this forum :"Originally Posted by Divemedic Revised PRIMER on Repair ing Credit ----------------------------------- ----------------------------------------- ---- I am writing this as a guide to how I cleaned negatives from my credit report. There was an earlier version of this thread, but I have since learned a few things about the repair process, and I decided to rewrite this guide. I also hope to correct some misconceptions about the validation process.This entire process is designed to prepare a case to take the CA and/or OC to court. If the CA or OC goes away before you get to the point of a lawsuit, GREAT! However, that is sometimes not the case.Let me start by telling you some history. I started in credit repair by doing what so many of you have already tried: Paying them. I discovered what you may already know: PAYING A CA IS THE WORST THING YOU CAN DO. I got a pair of paid collections for my trouble. I decided then and there to figure out how t...
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Forum : What to do?
2007-11-10 21:35:00
First comment from this forum :" I am planning on building a home in the near DECADE!! Actually, sooner than that, but I can't seem to get these monkeys off my back. I need a credit card Hero to lend me a few tips in disputing two credit cards and maybe, if possible, getting them dropped. Is it possible? I will be more than glad to put more than 100% of the effort if this will work, or I may never begin to build a new home. I heard that it is a lot of paperork, but at this point (paying 29% interest on $9,000) I'll do whatever it takes!! HELP ME please!"see this forum at : http://www.credit-repair-forums.com/threa d4360.html
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Forum : What We've Learned!
2007-11-06 18:46:00
First comment from this forum :"Since the time I began my personal credit repair process and joined these forums; these are some of the key things I have learned:please contribute by posting a summary of anything useful you have learned1. A satisfied judgment does not remove it from your credit report by law (that’s not to say you can not get lucky and still get it deleted) satisfied or released judgments simply mean that they are paid.2. It seems as though the 3 credit reporting companies may treat people slightly differently according to geographical location *(may have to do with specific state laws, etc.)* still learning about this but it seems to be a factor worth mention.3. FAKO scores are the fake/generic scores for your credit report, FICO (Fair Isaac & Company) scores are a standardized scoring system, more like the real score a potential lender would see. (there are different FICO scoring models, its hard to know which one different lenders use) in short a FICO shoul...
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Forum : Credit Repair - Do it yourself Site
2007-11-06 18:43:00
First comment from this forum :"Hello,I'm new to the Kiplinger forum. As a credit repair specialist, I hope I can add value to this particular forum over time with some suggestions, as well as answer questions you may have about how to protect and improve your credit score.In the meantime, check outif you need some credit repair ideas.You can also get a free credit report here, get free form letters, etc.Thanks,Charles"see this forum at : http://forums.kiplinger.com/showthread.ph p?t=3671
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Article : Myths on Home Buying
2007-11-01 15:32:00
The real estate market can be complicated. Lending companies, brokers, agents are all working hard to stay on top of the competition. They may not always look out the best interest of consumers. For instance, agents get their income from commissions on the deals they successfully close. Naturally, agents may not always look for the best interest of consumers.If you are a home seller or a home buyer, hiring an agent to work for you may help you get better deals. However, it is your duty to protect yourself against unfair treatment. Knowing the basic things about the home buying or home selling business will shield you from getting scammed or swindled. Let’s talk about some false notions that many people believe but are just plain myths. You may have heard about it from a friend or an acquaintance and believed it to be true. Check out the following myths in the world of real estate, and be properly informed about the truth. MYTH #1 If you have a damaging record in your credit histor...
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Article : Credit Repair and Credit Clinics
2007-11-01 15:30:00
Many people are deceived by promises of quick and easy credit repair. Various credit clinics and credit repair services will offer to clear your credit record of any negative information for a fee. In many cases, these businesses take your money and do little or nothing to improve your credit report. The fact is, no one can erase, fix, repair, or change information contained in your credit report if that information is correct. Credit bureaus can legally report accurate negative information for seven years and bankruptcy information for ten years. Accurate items that are within the seven or ten year reporting period cannot be erased from your credit report by companies offering "credit repair" services. If you have a poor credit history, even if your problems were caused by illness or job loss, the only thing that will "repair" your credit report is time. If there are genuine mistakes or outdated items in your report, you can fix them yourself. Notify the credit bureau of the proble...
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Lenders move to stop credit repair schemes
2007-10-24 16:21:00
Shaky borrowers pay cash to piggyback on acounts with good scoresUpdated: 5:06 p.m. ET June 3, 2007Only a low credit score stood between Alipio Estruch and a mortgage to buy a $449,000 Spanish-style house in Weston, Fla., a few miles west of Fort Lauderdale.Instead of spending several years repairing his credit rating, which he said was marred by two forgotten cell phone bills and identity theft, the 37-year-old real estate agent paid $1,800 to an Internet-based company to bump up his score almost overnight.The result was a happy ending for Estruch, but the growing practice is sending shivers through the mortgage industry. Federal regulators are also reviewing the practice. And after being contacted by The Associated Press for this story, Fair Isaac Corp., the developer of the widely used FICO score, said it will change its credit scoring system beginning later this year in a way it contends will end this little-known but potentially high-impact mortgage loan loophole....click heree...
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Your credit history and your student loan
2007-10-24 16:19:00
Why it's important Bad credit can affect many parts of your life, but it shouldn't keep you from getting an education. As long as you haven't stopped paying on a previous student loan, you can still get the financial help you need to go to school.By Brigitte Yuille • Bankrate.comStudent s can borrow using federally subsidized loans or private loans. Federally subsidized loans assume the student hasn't established a credit history when applying for school aid, so history is not considered. This isn't true of a private loan or a federal Parent Loan for Undergraduate Students, also known as a PLUS loan....click here to read allsource : bankrate.com
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Below are the most searched keywords,about 'credit repair',in the internet
2007-10-19 18:53:00
Search Word 170865 credit repair 6337 bad credit repair 5796 credit repair services 3822 credit report repair 3478 credit repair company 3155 credit repair debt consolidation 2675 free credit repair 2257 fast credit repair 2253 credit repair service 1885 credit repair attorney 1638 repair credit score 1442 fix bad credit report repair 1440 free credit repair help 1337 free sample credit repair letter 1268 legal credit repair 1252 credit repair after bankruptcy 1203 free credit repair letter 1187 credit repair kit 1099 emergency credit repair 1083 credit repair business 1006 credit repair loansource : http://www.zirve100.net/incele.php
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