Categories for Repairing Credit

Is Credit Repair Software Right For You?

May 30, 2011 5:00 pm Published by Michael

Is Credit Repair Software Right For You?

Having bad credit is a stressful situation – but fixing it doesn’t have to be. There are a number of ways to repair your credit, though some are more effective than others. There are the traditional methods of getting your own report and working down the list of problems, or hiring a service to do it for you. Or, consider getting credit repair software, but is this the best way?

You will need to make a choice on which method of repairing your credit you’ll use, doing it yourself or hiring a pro. No matter which you choose, this software will be used to efficiently repair your poor credit score. Once you decide on which method you’ll use, take action.

For those who decide to do the credit repairs themselves, know that the biggest issue will be educating yourself on the different laws and procedures needed to repair your score. You need a basic understanding on the different issues at hand that affect your credit score.

You will also need to learn how you can use the credit repair software in the best fashion. Many processes are automated, like the simulated credit score. This will help teach you how to create letters that will dispute erroneous data on your report, how to negotiate lower settlements, and how to track your progress, etc.

You will also need to understand that there will some areas that can’t be automated, so you will need to learn a little as you go along in order to make the most of the software. If you don’t want to take the time to learn it, then hiring a professional is your best bet. They have all the experience needed to use the software.

This credit software will give you many advantages if you are planning on repairing your own credit score. You simply need to take a little bit of time to decide if you’ll educate yourself on how to use it, or if you want to hire another to do the hard work for you. The more educated you become in the subject of repairing credit and using the software, the better off you’ll be.

Having this knowledge about using credit repair software, you now need to pause and take some time deciding which way you’ll go to repair your credit. You don’t want to rush right in, of course, since your credit rating can suffer from lack of knowledge, but make a careful decision and you’ll be on your way to a better credit rating.

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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

Credit Repair After Divorce – 7 Things You MUST Know to Survive

May 30, 2011 5:00 am Published by Michael

Fast Credit Repair
by Ars Electronica

Credit Repair After Divorce – 7 Things You MUST Know to Survive

Credit repair after divorce is essential if you want to be financially sound. What often happens to the divorced parties’ credit is nothing short of tragic. Here are the things you must know in order to survive your divorce without ruining your credit rating.

If you’re considering divorce or separation, pay special attention to the status of your credit accounts. If you maintain joint accounts during this time, it’s important to make regular payments so that you won’t have to go through credit repair after divorce. As long as there’s an outstanding balance on a joint account, you and your spouse are BOTH responsible for it.
After your divorce, close all joint accounts or accounts in which your former spouse was an authorized user, or ask the creditor to convert these accounts to individual accounts.
By law, a creditor cannot close a joint account because of a divorce, but can do so at the request of either spouse. A creditor, however, does not have to change joint accounts to individual accounts after a divorce. The creditor can require you to reapply for credit on an individual basis and then, based on your new application, extend or deny you credit. In the case of a mortgage or home equity loan, a lender is likely to require refinancing to remove a spouse from the obligation after divorce.
If you own a home together or cannot close a joint account, you may ask the creditor if they can send you duplicate statements so that you can keep tabs on the debt your ex is now paying. Better yet, if you can access the account online, you can get up-to-the-minute payment and balance details. Make sure that the divorce decree specifies that account passwords cannot be changed without your knowledge. Otherwise, you will likely have to undergo credit repair after divorce.
Every credit account you have must be addressed as part of the settlement negotiation. Don’t assume that certain accounts are exempt.
If you are contemplating divorce or separation and want to retain your good credit, remind yourself that you must separate your emotions from the decision-making process. The most common regret of recent divorcees is “trusting” their ex to make the right decision. Resist the urge to throw up your hands and say, “All I want is out!” or you will be in worse shape when you begin credit repair after divorce.
If you need credit repair as a result of divorce (or for any reason), then you have to get help. But you don’t have to pay an attorney thousands of dollars. You can solve all your credit problems with a simple self-directed credit repair program, as recommended by the Federal Trade Commission.

Don’t leave your credit in the hands of fate–or worse yet, divorce attorneys. Prepare yourself for the worst and then take action to repair credit problems that result from your divorce or otherwise.

If you are overwhelmed by your credit problems and want an easy way to repair your credit, then please don’t try to do everything yourself. There are excellent resources that can simplify the process of credit repair after divorce, so why go it alone? There are hundreds of e-books and websites that promise solutions, but most of them are scams and nothing beats talking with a human

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.

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

Article from articlesbase.com

Credit Repair Specialist – Truth About Claims To Repair Credit

May 28, 2011 5:00 pm Published by Michael

www.a1creditrepairinfo.com – This video reveals the shocking truth about how credit repair specialist are able to remove items from your credit report.
Fast Credit Repair

Credit Crunch Question: What is the best option to limit the cost of Interest while repairing my credit.?

May 26, 2011 5:00 am Published by Michael

Question by discgolfer6950: Credit Crunch Question: What is the best option to limit the cost of Interest while repairing my credit.?
I Have not had a Credit Card for 10 Plus years now and have 3 coming in the mail just to use for repairing my credit I have a Good Job Now.. I do not want to become a victim of the Credit Card Crunch in Interest charges that has Crippled America

Fast Credit Repair
Best answer:

Answer by S P
I don’t understand your question or situation. What are you trying to accomplish? What is you ultimate goal?

What do you think? Answer below!

Dispute Credit Report – Find Out How to Identify, Dispute and Remove Negative Credit Items

May 24, 2011 5:00 pm Published by Michael

Fast Credit Repair
by Ars Electronica

Dispute Credit Report – Find Out How to Identify, Dispute and Remove Negative Credit Items

Dispute Credit Report – Find Out How to Identify, Dispute and Remove Negative Credit Items

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Dispute Credit Report – Find Out How to Identify, Dispute and Remove Negative Credit Items

By: William Roberts
Posted: May 25, 2010

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The main work starts by you ordering for a copy of your annual report. Once you have this the credit report company will help you identify any inaccuracies in your credit report. Then a credit dispute can be filed immediately. Since the financial institutions recognize you through your credit report, it is important that any inconsistency or inaccuracies in the report are disputed and resolved immediately.

If your poor report has made it difficult for you to get credit in the market then it is about time you consulted a credit repair specialist. A credit repair specialist is an expert who can help you rebuild your rating. The approach that these credit repair specialist take towards improving your credit is by reorganizing, refinancing and sometimes renegotiating your existing debts so that it becomes more manageable for you and gets easier to pay off without defaulting on your account. There are some cases in which if the credit repair company feels the need, calls up your card companies in order to bargain a new payment plan for you so that it gets easier for you to pay off your card bills on time and get rid of that debt.

There are some problems caused due to incorrect information and misinterpretation of financial activities. The repair company will help you speed up the tracking and correcting time.

When you hire a credit repair expert you have the benefit of their experience in handing credit reports in a legal and accurate fashion. When they review your report they can identify and correct problems in your report which you would have thought of no impact at all. A credit repair specialist will be able to lower the items affecting your rating much faster than you will be able to do.

Many find themselves wanting credit report repair for a credit score of 700+, but don’t know what is necessary to achieve this goal. Disputing negative items on your credit report can be the first step to boosting your score. Negative items on a credit report must be validated, and those that aren’t must be removed. The end result is a credit report repair for the consumer. For more information on legal and efficient ways to repair credit, visit the following link:

Raise Credit Score

William Roberts – About the Author:

William Roberts is an advocate for consumer rights and a member of organizations helping citizens rebuild their financial state.

Source: http://www.articlesbase.com/credit-articles/dispute-credit-report-find-out-how-to-identify-dispute-and-remove-negative-credit-items-2451362.html

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Article Tags:
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