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Q&A: Help repairing credit, what do I do now?

October 1, 2011 5:00 pm Published by

Question by uncg_girl: Help repairing credit, what do I do now?
I am 23-yrs. old and I am desperately trying to repair my credit. I have paid down all my collection accounts except for two medical bills totaling $ 1800.00. These two accounts are 4-years old. However, I have recently obtained an auto loan and a secured credit card as of April 2006. I pay both before the due date and I pay the complete balance on my secured credit card. My credit score has moved from 580 to 620.

I also have student loan accounts that are in deferment. In all I have only 4 open accounts in good standing. What do I do now? I was wondering should I apply for a department store charge card to gain another open account or should I try to pay my medical bills in collections? I know that they have already harmed my score but I don’t have the $ 1800.00.
Would I be able to get a department store card w/ a 620 score. I would appreciate any help I can get. I am graduating from grad school soon and I’d like to have a more favorable score for large purchases.

Fast Credit Repair
Best answer:

Answer by yums
youll find some great tips on credit/debt on this site that will help you more

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San Antonio Credit Repair – Selecting A Credit Repair Support : Several Factors To Consider

September 30, 2011 5:00 pm Published by

San Antonio Credit Repair – Selecting A Credit Repair Support : Several Factors To Consider

In the event that your credit history is actually disappointing as well as you want to mention individuals amounts with credit repair, you are not on it’s own. You can find millions of people who’ve endured economic difficulties, undergone a foreclosure, created weak financial selections, or perhaps which basically got within more than their brain and therefore are today enduring due to that. An unhealthy credit rating makes it difficult or perhaps unattainable a home loan, open up a charge card, or buy a automobile. If you wish to repair your credit, take into account working with a business that are experts in credit improvement, however be sure you work with a reputable organization. San>

There are numerous forms of credit counseling as well as repair companies available. You should examine many companies and speak to a customer assistance rep and discover out how they compare together prior to choosing the actual assistance you need to use. There are several key elements to consider inside a good credit repair assistance:

-reasonable prices. After all, you are wanting to recover from a difficult financial situation; excessively high charges may lead you directly into more difficulty. Watch out for businesses which use a sliding size dependant on just how much financial debt you owe. This leads to padded prices that may set an individual further directly into financial debt. A set amount per month is the best option. It should be affordable and also should not change. This way you can very easily are the price inside your month to month spending budget.

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-detailed examination. Each and every service that gives to correct credit will ask you to supply your credit rating and also report regarding assessment, yet not every one of all of them will show you your own are accountable to you. When the business basically states, “we’ll deal with that from here” without outlining just what wants fixed and the way they are going to get it done, avoid them. The most effective services will provide a detailed analysis of the credit report so that you realize what are you doing and ways to progress. San Antonio Credit Repair

-customized options depending on your own financial predicament. Does the company ask related queries? Will they acquire directly into considerations not merely your obligations, but your goals, scenario, as well as dreams? The more they wish to know, the better their service will probably be.

-counseling right after the credit file is actually restored. Look for a company that will offer you counselling as well as monetary assistance even after your credit history may be restored. Their particular aim needs to be not just to improve your credit, however to help make certain you will not possess bad credit in the foreseeable future.

-legal expertise. To San Antonio Credit Repair, repair credit rating effectively, a business must understand a variety of complex express as well as federal government regulations. A credit rating assistance staffed through lawyers and legitimate professionals may fully handle your case more efficiently simply because they come with an intimate understanding of the actual legal issues and will use them in your favor.

Choosing the right credit restoration support can mean the difference among elevating your credit rating by way of a few factors or perhaps a couple of hundred points. With the proper restore support working for you, you’ll shortly be back on strong monetary soil with a strong credit rating.

Fast Credit Repair

For more information please visit San Antonio Credit Repairat 276 Stumberg St., San Antonio, TX 78204 or call (210) 767-3197

Article from articlesbase.com

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Fixing a Bad Credit Score – Credit Repair Kit Or Credit Repair Company

September 28, 2011 5:02 am Published by

Fixing a Bad Credit Score – Credit Repair Kit Or Credit Repair Company

Fixing a bad credit score is becoming increasingly important today. Getting any type of credit is getting harder and interest rates are becoming increasingly punitive for those with bad credit. If that wasn’t enough prices are rising, seemingly every week, so it is becoming very difficult to live without a decent line of credit.

The Basics Of Your Credit Score

Everyone will calculate your credit score slightly differently, but the basics are the same – you need to pay attention to the following five factors:

* The history of your credit payments

* The amounts your owe on lines of credit

* How long you have had credit accounts

* How much new credit you have and have applied for

* Which types of credit you have

First Steps To Repairing Credit

The very first thing to do is get a copy of your credit report. With that information you will be able to tell where you stand. A significant proportion of credit reports contain errors. There may also be negative entries that you can get removed – and you want to make sure that all the positive things are being reported.

Choosing a Credit Repair Kit or a Credit Repair Company
Take a look at your credit report – are there positive things on it? How many negative things are on it that need removing? How many debts that you are still paying are on your report.

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Essentially if your credit report looks fairly simple and you have the time and patience then you need to get a good kit. A good Credit Repair kit will educate you about credit scoring and credit repair and give you all the letters you need and guidance about when and how to use them.

If it looks as if you have more complicated problems, which could include debts still to be paid then you may be better off with a credit repair company. Reputable companies will offer you a free consultation to start with so that they can tell you how much they can help you. A good company can also negotiate on your behalf with creditors for reduced payments and lower interest rates.

So the choice is yours. If you are confident that you can deal with it yourself then get a good credit repair kit. If you have complex problems – or simply lack the time and patience then hire a company.

Stop being embarrassed about your credit score. Click here to start getting approvals for l

Now Pay Close Attention —

One bad mark on your credit report can ruin your score. But now there are two reasons you don’t have to suffer through a bad credit score:

[Reason #1] Under FACTA, you have the right to obtain one FREE COPY of your credit report from each of the three major credit bureaus every 12 months.

[Reason #2] With FREE Triple Safeguard Credit Monitoring with email alerts, you’ll stay in touch with your creadit report for free.

My Free Credit Reports has been providing free credit reports and scores from all three major credit bureaus since 1997. And FREE Triple Safeguard Credit Monitoring has been tried and tested and known to produce excellent results.

First: Click Here To Visit My Free Credit Reports
View Your Scores & Reports Free Within 6 Minutes From Now!

Second: Sign Up For FREE Triple Safeguard Credit Monitoring
Most importantly unlike other monitoring systems there is no cost involved! You never need to pay anything!

Fast Credit Repair

You are literally seconds away from discovering My Free Credit Reports. You have the right to obtain one FREE COPY of your credit report from each of the three major credit bureaus every 12 months. And with FREE Triple Safeguard Credit Monitoring with email alerts, you’ll stay in touch with your creadit report for free. Visit: http://www.MyFreeCreditReports.org and obtain your one FREE COPY of your Free Credit Report from each of the three major credit bureaus for free.

Article from articlesbase.com



The Simple Steps of Credit Repair

September 28, 2011 5:00 am Published by

The Simple Steps of Credit Repair

Get better interest rates and lending terms with a little bit of credit repair.

Your credit report is going to be checked by everyone before they decide whether or not to do business with you, so credit repair should be the first thing on your mind if your credit is damaged. You need good credit to purchase a home, a car, or any other large purchase that you can’t afford to pay for in cash. Landlords even check credit before they rent to a tenant and many employers look at the credit of their job applicants.

What Is Credit Repair?

Credit repair can also be called “credit cleanup.” It is a process used to remove negative items from your credit report so that you can increase your credit score. The more negative accounts you have, the lower your credit. Sometimes even one negative item can dramatically lower your credit score.

Can I Do My Own Credit Repair?

Credit repair is actually easier than most people think. You’ll first need to order a copy of your credit report from the three major credit bureaus- Trans Union, Equifax, and Experian. They cost less than each. Analyze your report for any outdated or incorrect information- basically anything that you disagree with. Make a list of those items and then write a letter to each of the credit bureaus telling them that you would like to dispute the item. Be sure to include your personal information (name, address, social security, date of birth), the account or trade line (Visa Card #123456789) that you are referring to, and the reason for your dispute (I was never late; This is not my account; etc). You can also send electronic correspondence if you purchase and view your credit report online. By law, the credit bureaus have 30 days to respond. You can follow up with additional letters or electronic requests if needed.

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Rebuild Your Credit

This is the next layer of credit repair because you have to add positive trade lines back to your credit report so that you can reestablish good credit history. The easiest way to do this is by getting a secured credit card. Use the card responsibly and you should able to get an unsecured credit card in 6 months to a year. As your credit improves, you should add more positive trade lines. Just remember to pay all of your bills on time and avoid overspending. Maxed

Now Pay Close Attention —

One bad mark on your credit report can ruin your score. But now there are two reasons you don’t have to suffer through a bad credit score:

[Reason #1] Under FACTA, you have the right to obtain one FREE COPY of your credit report from each of the three major credit bureaus every 12 months.

[Reason #2] With FREE Triple Safeguard Credit Monitoring with email alerts, you’ll stay in touch with your creadit report for free.

My Free Credit Reports has been providing free credit reports and scores from all three major credit bureaus since 1997. And FREE Triple Safeguard Credit Monitoring has been tried and tested and known to produce excellent results.

First: Click Here To Visit My Free Credit Reports
View Your Scores & Reports Free Within 6 Minutes From Now!

Second: Sign Up For FREE Triple Safeguard Credit Monitoring
Most importantly unlike other monitoring systems there is no cost involved! You never need to pay anything!

Fast Credit Repair

You are literally seconds away from discovering My Free Credit Reports. You have the right to obtain one FREE COPY of your credit report from each of the three major credit bureaus every 12 months. And with FREE Triple Safeguard Credit Monitoring with email alerts, you’ll stay in touch with your creadit report for free. Visit: http://www.MyFreeCreditReports.org and obtain your one FREE COPY of your Free Credit Report from each of the three major credit bureaus for free.

Article from articlesbase.com





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