Categories for Organizing to Repair Credit

Credit Cards Help Repair Credit

September 8, 2009 5:12 am Published by

Credit Cards Help Repair Credit

If you are currently experiencing credit problems, you might think that there is no way out.

There are several ways to repair your credit and one of them includes using a credit card. Those with bad credit histories can still get credit cards from some particular organizations that specialize in giving credit to those who are in debt.

Hector Milla Editor of the “Best Credit Repair Services” website — http://www.BestCreditRepairServices.org — pointed out;

“…These cards are referred to as secured credit cards. Getting these cards is easy no matter how bad the credit history. A secured card works like the regular cards but the only difference is that you will be required to put in a deposit against the card’s limit. This is the money the lender will use as security if you default on your payments…”

The secured credit card will help you with your credit repair when you prove that you are able to make regular payments on the card. It is important to ensure that the credit card company that you get the card from reports to all the 3 credit agencies so that the payments you make are reflected on all the reports and credit scores. This is one of the ways you can prove to future lenders that you have a good payment history.

Once you get approval for the card, it is important to keep in mind that you are going to use the card for credit repair by building a positive credit history. This means that you should not use the secured card to acquire debt.

The card should only be used for making small purchases that can be easily paid off at the end of the month. If there is a purchase that you cannot afford to pay for, avoid charging it to your account.

“…Most of the credit companies will give you a regular card once you have made regular payments on your secured credit card for a period of 1-3 years. The regular payments will act as evidence that you have actually turned your financial situation around which gives you the opportunity to get a regular card that does not require a deposit and also help with your credit repair…” added H. Milla.

Further information about how to secure a trusted and reputable credit repair service by visiting; http://www.BestCreditRepairServices.org

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Hector Milla runs his corporate website at http://www.OpsRegs.com where you can see all his articles and press releases.

www.doublegcredit.net Credit Management involves planning, organizing, and being disciplined. If Credit Management hasn’t been done properly, and a Bad Credit record and Low Credit Score have resulted, then it’s time for Credit Repair. If you need help then call Double G Credit Repair Today at 817-713-2515. “We Improve Your Score To Save You More.”
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I’ve repaired credit for family and friends, can I start a business doing this? (and legally)?

August 24, 2009 9:48 am Published by

Question by James and Ashley: I’ve repaired credit for family and friends, can I start a business doing this? (and legally)?
I had really bad credit and studied hard, stayed organized, did research and have drastically improved my credit. After, my family asked me for help and advice and I was able to help them significantly too. A few close friends have asked for advice and I offered my expertise to them as well. There are many services that promise a lot, charge a lot and deliver little. I’d be more interested in educating people on how to take the steps I did and improve their own credit. My husband is a soldier in Iraq and when he gets back I know his soldiers will need some help too. Can I start a business doing this, if so what can I legally do and not do and how much should I charge for my time and services. Thanks!

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Best answer:

Answer by Jamie
If you start a business as a consultant it should be legal. You can start a consulting business, for “business” or “personal” consulting. I would get a business license, and some program for making invoices.

Know better? Leave your own answer in the comments!



Places to Find Bad Credit Repair Help

August 17, 2009 4:47 pm Published by

Places to Find Bad Credit Repair Help

There are several sources available in the market and on the Internet that offer bad credit repair help. This help is available in various forms such as blogs, question answer sessions, guide on credit repair and tips. To get a professional bad credit repair help, you will have to pay some fee.

Self-help guide is also available in a downloadable version on the Internet. People can start with self-guide, which acquaints them with all the aspects of the bad credit, and the things needed to improve it to an acceptable level. Blogs are helpful too in terms of credit repair. Hence, you may even follow blogs regularly to stay updated regarding any possible help on credit repair.

Credit repair programs that claim instant credit repair are always a fraud. There are instant helps available on the Internet, but individuals need to remember that credit score cannot be improved in a single day.

Many financial experts say that, if people wish to improve their credit scores, they need to mention different types of checking accounts they have, to a reliable credit bureau for rectification purposes.

Credit Repair Sources:

There are also several free online guides for credit repair. People need to enroll to this guide by providing their e-mail addresses. The websites send the username and password so that individuals can access the online e-book to read and learn the helpful tips mentioned in these guides. Some provide the help guide such as offering newsletters in e-mails with each lesson every day.

Some non-profit organizations operate online to help people with credit repair. These organizations work on donations. They provide legitimate information about credit repair. Some of these credit-counseling bodies offer live-chat services to provide instant solutions to repair a bad credit.

They also have toll free numbers. You may contact on any of these numbers to ask any of your debt or credit related queries. The counselor then offers free debt and credit evaluation.

Frauds on Credit Repair Help:

Recently, there are reports of online frauds on credit repair. Many of these advertisements appear in local newspapers, TV, Internet or radio. Sometimes individuals even receive calls from telemarketers, who claim to offer help on credit repair.

People need to ignore all such exaggerated statements and claims made by these kinds of fraudulent companies. Only time, a conscious effort, and a personal debt plan can improve the credit report.

According to the Fair Credit Reporting Act, a person is entitled to get a free copy of the credit report, if he or she is denied, insurance, or employment. However, a person needs to apply for the free copy within 60 days, after the denial. In such case, a person can submit a dispute in writing to the credit-reporting agency for any mistakes. The dispute form is available free of cost.

Thus, if you want to repair your credit score, obtain reliable and legitimate information from any of these credit repair help sources such as credit repair guides or books.

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Find secured credit cards and more of Tom’s work at FINDsecuredcards.

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Should I Hire a Credit Repair Company?

July 30, 2009 3:52 am Published by

Should I Hire a Credit Repair Company?

Unfortunately, many people who have bad credit don’t even know that hiring a credit repair company is an option. Just as unfortunate is the fact that many people who know that credit repair companies exist, think they are all scams. Many consumers also confuse them with credit counseling services and debt consolidation services; which they are not. Well, I happen to know of some great credit repair companies, so I am here to set the record straight!

You should really only consider hiring a credit repair company if you have multiple collection accounts, charge offs or public records such as judgments, repossessions, foreclosures and bankruptcies. If you only have a few bad accounts on your credit report, you should try contacting the credit bureaus and creditors yourself. You should also work on rebuilding your credit if you don’t have many or any positive accounts reporting.

I would suggest choosing a well-known agency from online, but if you decide to go local, make sure to check with your local Better Business Bureau and state attorney general for any filed complaints. The upfront set up fees should be very minimal. Under the Credit Repair Organizations act, a credit repair company is not permitted to charge before they provide any services. This one of the most important things to consider when hiring a credit repair company because it ensures that you won’t be out a lot of money if they are unable to repair your credit.

Credit repair companies must follow specific guidelines from the Credit Repair Organizations Act. Congress introduced the CROA in 1996 to protect consumers from unfair and deceptive business practices and advertising by credit repair organizations. It’s wise to at least browse over the CROA before hiring a credit repair company.

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Find a well-known, respected credit repair company online or visit the credit repair authority site to learn how to repair credit yourself.