Categories for Organizing to Repair Credit

Keep Yourself Away From Credit Problems

October 22, 2010 5:00 am Published by

Keep Yourself Away From Credit Problems

The repercussions of having bad credit extends from having high interest rates on your credit cards, being denied of loan applications, apartments and cell phone contracts and even employment, paying for security deposits on utilities, getting higher insurance premiums and difficulties in starting a business.

If you want to avoid such inconveniences, you should know how to repair your damaged credit. But before you can actually do that, you should be able to get your hands on your annual credit report and understand what it contains. There are different ways by which you can have a copy of your credit report as much as there are many proven ways to repair your bad credit.

You should however be conscious of the fact that there are people who can make a profit out of your misery. You definitely repair your credit yourself. The first thing you should do is to check your credit report regularly. It is possible to find malicious information on it, and if that happens, there are procedures to follow to file disputes.

On the other hand, if you think that repairing your poor credit is already beyond your capabilities, seek the assistance of people who have an established reputation. Other than that, be wary of “credit clinics” that claim to repair your credit but won’t be of any help at all. These establishments would recommend creating a new identity and credit file for you.

Credit Clinic Characteristics

Most fraudulent companies tell consumers that they have the ability to remove late payments, bankruptcies and other information that hurt your credit score from your credit report. But of course, they wouldn’t be offering such services for free. In fact, the prices are far from affordable.

One of the tactics used by credit clinics is to ask consumers to write to the reporting bureaus for verifications over and over again. This is to extend the process of “repair” which would be found out fraudulent after some time. If you come across a company that offers help, you would know that it is a fake if it does not tell you the office address or if it demands for your decisions too hastily.

Also, credit clinics are very likely to charge first before they apply the services to save your credit. Don’t forget that the Credit Repair Organization Act mandates credit repair agencies to provide service before asking to be paid.

They would also recommend that you avoid contacting the credit reporting companies. But they would suggest that you dispute all the information contained in your credit report. Finally, almost everything is charged, even information about your rights and what you can do to help yourself, which a reputable credit repair company would freely give away, could only be given for a price.

When you come across establishments that have the mentioned characteristics, you can very well inform the Federal Trade Commission. Other than that, remember that repairing your bad credit is not a simple matter and definitely does not happen over night. If you want a clean credit report, there are procedures you should take.

Fast Credit Repair

When you regularly check credit report, you are doing yourself a favor. It is through understanding your annual credit report that you can tell if your credit needs repair. You can avail of credit report services and credit repair information on Free-Credit-Reports.com.



Free Credit Repair Help ? Tips In Building Credit For a Better Future

October 19, 2010 5:00 am Published by

Free Credit Repair Help ? Tips In Building Credit For a Better Future

Building credit is building a better future. Nowadays it takes good credit scores to purchase a home, buy a car, and get a credit card and so on. If your credit is bad usually more bad follows. It takes you to find a solution to repair your credit. The fist step in repairing your credit is to take a look at each bill, including your past due bills. Make sure the current bills are paid in full if possible to avoid any more reporting on your credit report. Once you have taken care of your current bills work toward paying off your late bills.

 

Some current bills such as utilities or other unsecured bills can wait longer than others, so you might want to payoff your secured bills first. Secured bills means that you have more to loose so you want to take care of those first before paying off nonessential bills and risking losing your home, car or whatever you are paying on.  Most utility companies will wait on a bill if you don’t have the funds. You may be able to get some help paying utilities. The Social Services and some Religious Organizations offer support to low-income families. If you have a loan with a bank you might want to contact your lender to see if there are options for reducing your monthly mortgage or car payments. Some banks are waiting for financial burdens to occur and offer a solution, such as refinancing your home or car.

 

You want to be careful since some of the loans have high interest rates attached. Some loans may even have hidden charges attached so it makes sense to read the fine prints thoroughly so that you are not taking advantage of. Remember you are attempting to repair your credit so finding the best deals is important. This brings us to cut backs. When we are striving to repair our credits we want to cut back on spending as much as possible. Sometimes we have to do without in order to better our future. Credit repair is the process of building your credit history and reestablishing your life. This process means that you have to look at all angles to find a solution to repair your credit. When you are searching those angles you need to consider all aspects of what the solutions include. If there are added charges you probably are getting in deeper rather than building a better future and repairing your credit.

 

Debt Counselors, Deb Consolidation, Bankruptcy and other companies that offer credit repair solutions are often the last resort to repairing credit. Even if you think bankruptcy is the answer you must realize you will need a few hundred dollars upfront to start the process. Lawyers are not cheap! On top of the high prices you will have to pay you will also go through court proceedings as well as many other headaches. Therefore if you can find a way out of debt on your own this is the best solution. If you are in over your head and have nothing to loose it might be wise to ignore your debts. This sounds ludicrous but if you can’t get out this sometimes is the only answer to debt relief. If you are on the spot and not so deep in debt you might ask your family or friends for a loan, only enough to pay off your debts. You might have to pay interest, but friends and family will often charge less and give you a longer time frame to repay your debt.

 

The solution is often better than applying for a loan to payoff your debts from a bank. Most lenders at bank are welcoming people that are struggling and take full advantage by finding you a loan with high interest rates. Your monthly installments are often lower, but your price in the end is steep. It makes sense to search all options before deciding which solution for repairing your credit is right for you. Always keep in mind when you are repairing credit that you are working toward a better future.

 

Fast Credit Repair

If you haven’t looked at your credit report lately you’re going yourself a disservice. It is not unusual at all for there to be errors on credit reports and your credit score could be unjustly low. Using a credit repair service will clean up your credit report and remove any items which may be negatively affecting your credit. The legitimate credit repair services will provide a free consultation as well so even if you don’t enroll you can still pick help helpful advice to repair your credit.

Check out the following link for free credit repair help:

http://www.crediblecreditrepair.com

Or Call:  1-800-496-1863



How would I organize a flash mob? Is it legal too?

October 15, 2010 5:00 pm Published by

Question by Laura: How would I organize a flash mob? Is it legal too?
Okay so a little back story… I lived in Maryland until June of last year when I moved. Prior to moving I had several people in and out of my home repairing and cleaning things. We also ate out a lot so there is many ways a person could have had access to our credit card.

On the 8th of February someone started making small mail charges here and there. They said “Royal Mail” which I now know is the Great Brittan mail system, but with my husband in Iraq, working in a Palace I assumed he was sending our kids gifts. – It turns out these were “tester charges” and they ranged from $ 2 – $ 11 and there were about 15 of them. Finally I asked my husband about them and he said they weren’t from him so we disputed them. His credit card was turned off but as it turns out, a day too late.

The very next day a charge posted to our account for nearly $ 500 from a dot com company. The scam artist had done it again and gotten away with it. When I contacted the company I found out that they’d already sent out the merchandise but they gave me the address and name it was sent to. It was sent to my husband, and also confirmed through a fake e-mail address with my husband’s name in it, but to an address in Maryland, the same town we lived in until June of last year!

The local (to MD) law enforcement is blowing it off and the bank has bigger fish to fry. This person is not going to see an ounce of justice. I imagine we’re not the only ones they’ve taken advantage of and gotten away with it.. They are stealing from people and not seeing any consequences..

So my idea is a Justice/Flash Mob…

I was thinking we could try and get 50 people (if not more) to show up next Monday at 7pm. Chant “Justice will be served, 3 times at 7:02 and then drop hand written notes that say “The person in apartment 104 steals credit card information and money” “You’ve been outed” “Justice will be served” – Which might leave a hint of a threat lingering in the air but the real meaning of “justice will be served” would be because of the embarrassment if neighbors heard it and saw the notes.

What do you think? I’m trying to figure out how to do it. – I don’t know where to post it and I really don’t know how to get a bunch of people to actually show up and do it.

Any ideas? Is there not a website somewhere for listing Flash Mobs?

Fast Credit Repair
Best answer:

Answer by Phaythe
dude

re-post this question without the 6 paragraphs

you’ll have a better chance of someone reading it and actually answering

Know better? Leave your own answer in the comments!



Increase Credit Score-Tips On Credit Counseling and Auto and Home Loans

October 15, 2010 5:00 am Published by

Increase Credit Score-Tips On Credit Counseling and Auto and Home Loans

There are numerous steps and actions you can take when you decide to start build credit and fix bad credit that affected your credit score. In this article I will explain the different aspects of credit counseling and Auto and home loans you need to know before you move ahead. This knowledge will greatly help you in the process to raise credit score.

Credit Counseling

Despite of all your efforts to keep your expenses low or failing sticking to your budget if you are still unsure of how to fix credit, do not panic as every problem has a solution. If you are not being able to come to a conclusive plan for repayment with your creditors do not be disappointed as you can always take refuge and speak to a credit counselor or a credit counseling organization. There are numerous nonprofit organization which will guide you through and help you deal with your financial problems. But before approaching any, make sure that the services that they offer are legitimate, affordable or free. In some cases despite of being a nonprofit organization they ask for voluntary contributions.

Make appointment with the organization offering in-person counseling rather than advising on the phone, internet, chat sessions etc. There are many nonprofit organizations such as credit unions, housing authorities which run many credit counseling programs to help people deal with bad debts. You can also seek information about these organizations from your family or friends, especially those that went through hard times themselves and overcome it.

A good counseling organization always listens to your problems and helps you find a customized and personalized plan to solve your financial issues and increase credit score. The counselors are expert in the field and are trained in areas of consumer credit, money and debt management, as well as budgeting. Other than just advising they also offer free study material such as books on do bad credit repair and fix credit, CDs, videos etc to help you and understand the meaning of each negative item in your credit history that appears in the credit report and how to take the most effective steps towards fixing credit problems you are facing.

Auto and Home Loans

There are two types of debt secure and unsecure. Secure debt such as car loan, house loan always are attached to an asset and if you fail to make your payment on time the lender can always repossess your assets. On the other hand unsecured debts such as credit cards, signature loans, and medical bills are not tied to any assets.

The creditor has all the rights to resell your assets in case you fail to make all the payment clearance well in time. Many automotive companies tow away the cars of the defaulters and in order to recover it back you have to not only clear the payment but also have to pay for the towing and storage costs. So instead if you anticipate defaulting on your loan payments, it is wise that you sell the car and make all the payment. This will not only save you from added cost but also refrain from having a negative effect on your credit score because of a negative entry on your report.

In case of a home loan immediately contact your lender if you fall back on mortgage payment to avoid foreclosure. In many cases the lender tries to help you if he feels that the crisis is just a temporary phase. He might even reduce your monthly installments or suspend it for some time till the situation resumes back. But once you recover from your financial situation the installment increases for covering up the reduced amount. Working with the lender will most likely prevent them from placing a negative item on your credit history preventing you to worry later how to build bad credit later.

In case you and your lender cannot agree upon a common plan, it is advisable to contact your housing counseling agency. They help many homeowners to deal with their financial problems. In order to know the one existing in your neighborhoods you can call the Department of Housing and Urban Development or the housing authority and let them find a legitimate housing counseling agency near you. Just by considering few basic changes you can fix bad credit and raise credit score

Fast Credit Repair

Looking for more tips and advice to increase your credit score? , then read my blog on Increase Credit Score Secrets to get the practical advice and also get my FREE e-Book advising you how to Avoid The Most Devastating Credit Mistakes



FREE CREDIT REPAIR KIT

October 13, 2010 5:00 am Published by

FREE CREDIT REPAIR KIT

National Debt Relief Initiative

Free Credit Repair Kit

When it concerns your credit score and a free credit repair kit, it’s important to be sure that you’re doing everything you are able to from the very beginning in order to make it all work out for you finally. If you begin your adult life without any regard to how your credit score will be affected upon by your activities, you’ll for certain be in the need of credit repair. When it concerns needing poor credit repair, there’s noting more crucial then making sure you’re acquiring the correct advice for everything.

If you find that in the end you’re in need of some professional person help or a free credit repair kit to attend of your bad credit repair needs then you would like to be sure that you browse around. This is to be sure that you finish up with a company that knows precisely what they are performing in order that you do not end up wasting away your time or income. You would like to be sure that the bad credit repair company is one that’s been around for a few a long time instead of a company that’s brand new and likely to make some errors that could cost you.

Free Credit Repair Kit?

Whenever you prefer to do all of this yourself and learn how to fix bad credit on your own, then there’s numerous stuff that you’re going to have to address. Whether it is bad credit mortgage repair or bad credit from credit cards, there’s a good deal that you’ve to arrange to be sure that it is all attended of in a suitable manner. A good place to start learning everything you need to know is by reading different articles and magazines out there that are directed towards assisting people find their way out of debt.

Among the biggest things that you can have in life is bad credit. Without any credit or bad credit, there are a lot of crucial things that you’re not going to be capable of doing, and you’ll actually not be able to have the life that you always dreamed of if you don’t have good credit score.

Whether you prefer to pay for a credit repair service or you are interested in a free credit repair kit, there perhaps things that can be arranged to wipe off some bad marks on your register. In a few cases, but not all, creditors may offer you a deal and ask that if you bring your account statement current they’ll delete former marks on your credit. Whenever you are interested in seeing if your creditor will do this, merely ask. Free bad credit repair is going to be arduous to discover, as most companies want their revenue in order to pay for their overhead.

The first matter that you should do if you want a free credit repair kit is check into your own credit. You are able to get your credit score through your bank or other financial organization, and you are able to also order it yourself online and get it in the mail or through e-mail. This is an significant step because if you would like to repair credit score you’re going to need to have a look at where you beginning from.

Fast Credit Repair