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Can Your Repair Credit Yourself?

April 25, 2009 2:57 pm Published by

Can Your Repair Credit Yourself?

Many companies that want to make a good deal of money exchanging your credit information will advise you against repairing your own credit. However, anyone with a fiscal bone in their body that does not want to have people ripped off and to contribute to identity scams and other parts of the credit scam industry will suggest that the best option for credit repair is that you repair credit yourself. In order to repair credit yourself, you will need to know a few things about credit card debt and understand how you got into this mess to begin with. From there, you should be able to make changes that will affect the way you do business from now on.

You will need to have access to your financial documents in order to get started. You are legally entitled to all of your own fiscal records from any year, so talk to your bank or your credit card company and determine what accounts you will need documentation of in order to begin this daunting process. You may find that you are literally drowning in documents from your credit history, but this is necessary in order to be able to swim again. Keep your head about the financial water for long enough and you will be able to see and understand what it was that put you in this position without a lifeboat.

Beginning The Repairing Process

As you set out to repair credit yourself, you will have gathered the documents that you need. The next step is to pour through the documents one at a time. Make sure that you are taking notes and make sure that you have an eye on any mistakes or errors that may have occurred. The first step is to make sure that there are no duplicate entries or any other errors that may have come up in the work of the paperwork or any other part to the credit reports and other documents you have. It is important, when you repair credit yourself, that you have an eye for mistakes so that you can check them out.

The next step, as you repair credit yourself, is to take the documents to a provider that can help you correct the errors. You should comprise letters and make the officials responsible for the errors so that they can be rectified properly. Always keep an eye on your documents and check them for errors when you get them so that you do not fall into a situation that will require hours of checking and double checking. From this point, you can set out to repair credit yourself by making a new financial strategy that will help your spending habits improve over time.

Fast Credit Repair

For more credit and credit repair information, visit http://www.clickcreditrepair.com. You can also visit the site by visiting this link – credit repair. At the site you can get a free ebook.

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Repairing credit?

April 21, 2009 11:21 pm Published by

Question by Joe H: Repairing credit?
I was wondering if anyone had some good ideas on how to repair my credit,most of it was from hospital bills.

Fast Credit Repair
Best answer:

Answer by Juleette
call us the hospital and be honest with them or try for government loans to pay for it

Add your own answer in the comments!



Q&A: How to raise credit score 28 points in 2 months?

April 19, 2009 8:16 am Published by

Question by runnercaiti1: How to raise credit score 28 points in 2 months?
I want to apply for an apartment but they need a 625 credit score. I lost my job for a few months and am now behind on two accounts.
My credit score is 597. I can bring the accounts current in less than three weeks but will just that be enough to raise my score those 28 points? I don’t want to waste my application fee just to get rejected.

Fast Credit Repair
Best answer:

Answer by anduze.alexander
take out a secured loan for about 0 and pay it back in one month, and take out another and pay it within the second month, guaranteed to boost your credit score

Know better? Leave your own answer in the comments!



Fix Credit Report Errors

April 16, 2009 3:54 pm Published by

Fix Credit Report Errors

Unfortunately, chances are there are errors on your credit report that are significant enough to hurt your credit in a way that would not allow you to get a favorable loan. That means your inaccurate credit score could cost you the ability to get an auto loan, rent an apartment, or even get a job. Studies show that 1 in 4 credit reports have false information, but there are ways to quickly fix credit report errors.

The first step is obvious. Get a copy of your credit report. By law, the three credit reporting agencies are required to give you one free copy of your report once a year. You can elect to receive a copy from all three agencies at once, or obtain one report at a time. If you have not reviewed your credit report in over a year, it’s recommended to request them all at once since some information can be listed on one report but not the other. You can always purchase a copy of your credit report later if needed.

Once you receive your credit report, you simply want to look for errors, particularly the negative errors. Look for:

* Open accounts that are not yours
* Notices of delinquent payments that have been on time
* The same loan or credit card listed twice
* The absence of a loan or credit card

You also want to double check that your name, birth date, current address and social security number is accurate. Otherwise information from someone else with a similar name could be confused with yours. Some wrong information, however, is not necessarily a big deal. The use of “street” versus “road” in your personal address, for example, or the correct spelling of your previous employer. These types of things will not affect your credit score and does not really make it any easier for an identity thief to steal your information.

If you find an error, notify the credit agency immediately. They are required by law to contact the lender/creditor and within 30 days, but you’ll need copies of your credit report first.

Fast Credit Repair

Find out how your credit score compares to the national and get your quick credit fix. Download your credit score and reports for free at http://www.thecreditfix.info

www.ScoreMoreCredit.com – Credit expert, Brian Diez, reveals why it’s so difficult to remove inaccuracies from your credit report.
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Video Rating: 5 / 5

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How To Repair Credit – A Brief Report

April 13, 2009 5:18 am Published by

How To Repair Credit – A Brief Report

Are you looking for a way to dig yourself out of mounting debt that just seems to keep getting worse? You’re first instinct may be to hire someone to fix the problem, but if you’ve already got financial problems this might not be the best choice. Why not try to find out how to repair credit and do it yourself?

If you’ve got credit issues, sometimes it can feel like you’re in over your head. It can be very hard to pay back your loans on time while staying caught up on your regular bills as well. If this sounds like your situation, you probably don’t know where to turn to for help. If you’re a very self reliant person you may not want any help at all, and first try learning how to repair credit on your own. This can be an excellent move because no one is going to be more motivated in figuring out how to repair credit than you, since it’s your credit standing that’s on the line. Only you can undo the damage to your credit score.

The first step in learning how to repair credit is figuring out how much debt you owe in total. Make up a list of all the outstanding debts you have along with who they are owed to. Getting all your debts accounted for is essential – if you’re disorganized to the point that you don’t even know how much you owe, it’s going to be very difficult to do anything about your situation. You really can’t skip this step if you hope to learn how to repair credit.

Next you’ll want to get a copy of your credit report from one of the three major credit bureaus – Equifax, Experian or TransUnion. You can obtain them for free once a year. When learning the basics of how to repair credit this step is also crucial since you need to know which debts to focus on first. You’ll also want to look over them for any mistakes, which are actually quite common to find, so that you can dispute them. Obviously you’ve got enough issues without being penalized for debt you don’t really owe.

If you can’t find any prominent errors, the next step in how to repair credit is to research your options. Debt consolidation is a common route that many people take. This involves a debt consolidation company acquiring all your outstanding debts and then allowing you to pay them one monthly payment at a lower interest rate.

Also you will probably want to research the Credit Repair Organizations Act. It protects you from credit repair organizations which falsify their claims or attempt to bill you before you’ve received their services.

Another thing you can do if you want to know how to repair credit is to apply for a credit card. This might sound like the last thing you want to do, and of course the annual fees and interest rates are going to be quite high, but if you can be responsible and make your monthly payments, it can go a long way toward repairing your credit score.

The most important step when it comes to how to repair credit is learning financial responsibility. There’s no point in going to all this trouble to correct your credit rating if you’re just going to get right back into hot water. For many this can be quite hard and budgeting yourself so you stay within your means can be a lot of work. One thing that might help is debt counseling, which instructs how to stay on top of your finances.

In conclusion, I hope this article has provided some useful information in regards to how to repair credit. It can be a wonderful feeling of accomplishment when you’ve arranged to get out of debt once and for all.

Fast Credit Repair

John Robbins is a small business owner who likes to write on a wide variety of topics. For more information on credit repair visit http://creditrepair.k3dn.com/ You can also visit his blog: http://all-aboutaccounting.blogspot.com





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