10 Nov
Here is some credit repair help – a checklist to help you dispute negative entries on your credit report. Print and save a copy to track your progress.
Review and print out a free copy of your credit reports from www.annualcreditreport.com. They’ll ask you about your prior addresses and items that may appear on your credit record to verify your identity. Also, you’ll be directed to each of the 3 reporting agencies independently from that site. Once you access your reports, you’ll have 30 days to log back in to see the same report. If you want a refreshed copy, you’ll need to pay for it. Read the rest of this article...
31 Oct
Here’s a piece of credit repair advice: you need to consider the benefits and costs to using a credit repair agency.
You’ll save a monthly fee you would pay an agency by doing it yourself. You’ll know exactly where you are in the process at all times when you send a letter or make a call. If you make all your own contacts, you’ll be able to provide the personal touch to make it all that much more believable. Nothing screams agency like a form letter with no details. Read the rest of this article...
30 Oct
There are plenty of credit repair negotiating secrets regardless of how good your credit is. Here are 5 tips to get you started.
Tip #1 Ask
We’ve all heard that if you ask, you will receive. It’s doubly true in the credit industry because the competition is so stiff. It’s expensive for credit card companies to get a new customer so they’ll work hard to try and keep your business. You might be surprised what you can get just by calling and asking. If you need a reason for them to give you something, tell them you’ve been a good customer or that you’re going through hard times. Any reason will do as long as it’s true. Read the rest of this article...
30 Oct
Is it too late to still do credit history repair?
The story is usually the same. People get credit cards when they’re young. They max them out. They borrow on one to pay the other. They get more cards until they can’t anymore. Finally the minimum payments overwhelm their income and they’re stuck.
Even if you’ve passed that point, you still have options. The major credit history repair options are bankruptcy, debt settlement, debt consolidation, credit counseling or simply changing your spending habits. Read the rest of this article...
22 Oct
If you’ve been trying to figure out how to do consumer credit repair, there are five major C words to lenders. Those major areas are character, capacity, capital, collateral and conditions.
Character
Your financial trustworthiness is character. It’s great if a lender knows you or your family personally. This is more often determined by your credit score. Whether you’ve made payments on time can play a big part here. Read the rest of this article...
