Categories for Organizing to Repair Credit

Shopping in Grace Bay Providenciales Turks and Caicos Islands

April 10, 2011 5:00 am Published by

Places to go Shopping in Grace Bay Providenciales Turks and Caicos Islands www.turksandcaicosreservations.tc Unit 214 Neptune Court, Grace Bay, Povidenciales Turks and Caicos Islands Phone 1-649-941-4218 Fax 1-649-941-4219 Toll Free Reservations 1-877-774-5486 Located right in Grace Bay Turks and Caicos. Local reservations services providing Private Villas, Resorts, Hotels and All Inclusive’s. Professional personal Turks And Caicos Vacation planning from start to finish. Discover the Secret’s of TCI ONLY the locals know about. Photo Credit’s – www.brilliant.tc Be sure to have all your special moments captured by Brilliant when visiting Turks & Caicos
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Turks And Caicos Hotels | Free Nights & Discounts | Turks And Caicos Beaches www.turksandcaicosreservations.tc Unit 214 Neptune Court, Grace Bay, Povidenciales Turks and Caicos Islands Phone 1-649-941-4218 Fax 1-649-941-4219 Toll Free Reservations 1-877-774-5486 Located right in Grace Bay Turks and Caicos. Local reservations services providing Private Villas, Resorts, Hotels and All Inclusive’s. Professional personal Turks And Caicos Vacation planning from start to finish. Discover the Secret’s of TCI ONLY the locals know about. Photo Credit’s – http Be sure to have all your special moments captured by Brilliant when visiting Turks & Caicos
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A Few Comments On Credit Repair Companies

April 8, 2011 5:00 am Published by

A Few Comments On Credit Repair Companies

Over the past fifteen years or so, many “Credit Repair Companies” or “Credit Clinics” have opened up across the nation. Their main purpose is to help the individual remove incorrect and negative items from their credit report. Unfortunately, some of these outfits are scams from the word “GO” and have given the whole industry a bad name. They take the consumer’s money and then tell them it will take month s to get results, then disappear without a trace. If you purchase a Self Help Credit Repair Kit you have no need to take that chance. If, however, if you decide to hire one of these companies, check them out!

First, if the sales person or company uses the word “Guarantee” or “Delete”, Run and don’t look back! There is no way to “Guarantee” that ANYTHING will be removed from the credit report! Think about it for a minute.Unless he or she is going to “hack” into the credit bureau’s computer, how can he guarantee anything? The Clinic is NOT the one that “deletes” the information!

Ask to see their license, get a copy of it, and then contact your State’s Secretary of State to make sure that the company has obtained and maintained the necessary license and/or bond. In the State of Nebraska all companies, organizations, or individuals that provide credit services MUST (with NO exceptions) obtain a “Credit Services Organization License” if they charge a fee

BEFORE they provide the services they promise, they MUST also maintain a 0,000 Surety Bond for TWO YEARS after they cease doing business in the state. While you are on the phone with the Secretary of State’s office, ask if there have been any unresolved complaints against the company. Find out how long they have had their license as well.

There have been a number of credit clinics that guarantee to remove any derogatory items from consumer’s credit report. Contact the Attorney General’s office in your state as well, see if there have been any complaints and find out if they are under any kind of investigation.The
Better Business Bureau is also another good organization to check.

If the firm tells you that you can not take a day to think about it or that it is a 24 hour offer tell them to take a hike! They where trying to scam you! Tell them that you want a copy of the contract you will be signing and any disclosures so that your attorney can take a look at it. If they balk, again, good for you, you just flushed out another con-artist. Call the Attorney General to have them investigated so no one else will fall into their trap!

For five years I owned and operated a company here in Omaha that not only assisted individuals and families re-establish their credit reports and obtain new forms of credit; but we also helped establish a budgets, and save money. The last two items were more important than the first two! If nothing else, TIME will repair a damaged credit report. But without the proper savings and budgeting, the smallest disruption in an individual’s cash flow will destroy the BEST credit report. In fact, the “better” the credit, the more potential for damage there is!

I will encourage you to go to your local book store and obtain a book on budgeting. Talk to a family member, friend, or clergyman to get help on setting up and sticking to a budget. One of the reasons people run into the credit situations they do is because when the emergencies hit, there is nothing to fall back on. Don’t let it happen again! Protect your good credit and your good name!

For more information: www.creditdemon.com

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Article from articlesbase.com



Bad Credit Repair Myths Dispelled

April 7, 2011 5:00 am Published by

Bad Credit Repair Myths Dispelled

Myth 1: Bad credit repair organizations are scams. Truth: Like any other industry, both legitimate and dishonest companies exist within the the bad credit repair industry. There certainly are bad credit repair companies that put you at risk for serious legal troubles because they use unlawful tactics in their efforts to repair your bad credit. Still others will simply take your money and fail to accomplish what you hired them to do. But, there are also honest bad credit repair organizations out there which conduct their business legitimately and lawfully. Anyone thinking of hiring a bad credit repair company should learn to spot the signs of a reputable agency, along with the indications of a less than desirable one. A common indicator of a dishonest bad credit company is exaggerated claims and promises. While bad credit repair absolutely can be done, it must be approached with realistic expectations in mind. Bad credit will not be repaired overnight, and it can never be guaranteed that all derogatory items on your credit report will be deleted. So if a bad credit repair company promises you perfect credit overnight, run, don’t walk! Any such company is simply lying and is not to be trusted. Also, before choosing to hire a particular bad credit repair company, find out what methods they employ to repair bad credit. The only legitimate, lawful tactic to repair bad credit is to dispute negative items on a credit report in an effort to get them deleted. Steer clear of companies that use tactics such as issuing you a new social security company to use to apply for credit; as you might imagine this is a serious illegal offense and would land you in very hot water if you were to get caught. Another desirable characteristic to seek in a bad credit repair company is a money-back guarantee. Not all bad credit repair companies have one, and the ones that do may require that certain stipulations be met before they will refund you. If a bad credit repair company does not offer a money-back guarantee it doesn’t necessarily mean they are not legitimate, but companies that do offer it have more incentive to make sure you are satisfied with their services.

Myth 2: Derogatory items that are correct cannot be deleted from your credit report. Truth: It is no wonder that this is such a widely held misconception; many a consumer has called a credit bureau or credit regarding a negative item on his/her credit report, only to be told by the customer service representative that derogatory information cannot be removed. Sometimes they will take a step further and claim that “by law”, negative items cannot be deleted. Who knows whether they say this because they are simply misinformed, or if they say it in an attempt to lead consumers to believe bad credit repair is impossible. Either way, it is simply not true. There is no law that demands that any entry, whether positive or negative, must appear or remain on a consumer’s credit report. Credit bureaus and creditors place information on your report because they choose to do so, not because the law requires it. In fact, the only laws that have anything to say about what appears on your credit report, are the laws that were put in place to protect you as a consumer! These laws prohibit credit bureaus and creditors from placing on your credit report information which is false and/or cannot be verified or proven. It is these very laws that make bad credit repair possible.

Myth 3: In order to repair your bad credit, you must pay off your old charge-offs and collections accounts. Truth: Strange as it may sound, making payments on old delinquent accounts can sometimes do more harm than good to your bad credit repair efforts. Here is why: Your most recent payment activity has a much more significant effect on your credit score than any delinquency that occurred several months or years prior. If your goal is to raise your credit score, it is usually wise not to pay debts that you have not made payment on in years. If you do, it will cause what was formerly an old delinquent account, to be updated on your credit report as a current delinquent account! This is usually very detrimental to your credit score. (Even if you completely pay off a debt that was in collections or charged-off status, it will still be listed on your credit report as a delinquent account. Making payments doesn’t change that.) This doesn’t mean you can or should ignore these items; they still have to be addressed and resolved. But simply making payment on them is usually not the way to do that if you are attempting bad credit repair.

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We at Credit Repair and Debt Solutions are dedicated to providing helpful information to consumers struggling with bad credit and excessive debt.

Article from articlesbase.com

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Get Organized – How To Organize Every Part Of Your Life

April 3, 2011 5:00 am Published by

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Credit Repair Software Can Help

March 30, 2011 5:00 pm Published by

Credit Repair Software Can Help

Credit repair software can be very beneficial if you want to save yourself some money by working to improve your credit yourself. Credit repair companies can be quite expensive, charging anywhere from several hundred dollars to several thousand dollars. In addition, you can do everything a credit repair company can do! It only makes sense to give it a try!

Instead of re-inventing the wheel by drafting your own form letters to use when dealing with the three major credit bureaus (TransUnion, Experian, and Equifax), you should consider some software to help pave the way. Just as Cinderella’s fairy godmother used her magic wand to make dreams come true, you can use credit report repair software to make yours come true!

Keep in mind that credit repair takes time and requires some tracking to make progress. This means organization is involved. So if you’re not a very organized person you may want to invest in a software program with tools that not only has tracking abilities but also a way to keep you organized. For you it may be a good idea to purchase a software program to help you repair your credit yourself.

Remember that over 70% of all credit reports have errors. These errors can be fixed and may be the very thing to raise your credit score. That’s why a credit software program may be a good idea to help you fix your bad credit. Anytime you can automate a process there is time savings.

There are some things you should keep in mind as you work toward restoring your credit:

– You should first obtain your credit report from all three credit reporting bureaus. Some software programs will help you obtain these reports

– Only inaccurate information can be removed from a credit report. Since a large percentage of reports do have errors, be sure to take the steps to correct them.

– Negative entries on your credit report remain a part of the record for at least seven years from the date they were reported. A bankruptcy can remain on your record for ten years.

– Do not attempt or agree to create a new credit file. THIS IS ILLEGAL!

Credit repair software can take a lot of the tension out of this process and can save you a substantial amount of money that you would have spent had you hired a credit repair company. While going through this process, be patient and remember to follow through! You can do it!

Jeff Ragan wants to help you learn more about the credit repair tips available and other helpful information on their website, First-Time-Home-Buyer-Solutions.com.

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For over two decades now Mr. Ragan has helped people reach their goals.  With his years of experience in construction, real estate investing, mortgages, credit repair and more, he can help you find the home of your dreams. By teaching others how to make educated decisions based on accurate knowledge, many have found him to be a good source of information.

Article from articlesbase.com