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Repair my Credit Now – Two Sure Fire Ways to Repair Credit Quickly

October 27, 2010 5:00 pm Published by

Repair my Credit Now – Two Sure Fire Ways to Repair Credit Quickly

“How do I repair my credit now?”  I was laid off in early 07.  Not the best way to start the year but it happened.  As we all know the economy was starting to loosen and unfortunately the company I was working for was feeling the pinch.  It was easier to close the shop and move on, for the company owner anyway.  My credit took the hit as the months of unemployment ran out and bills started to fall behind.

 

I found employment soon after my unemployment ran out but the damage had already been done to my credit report.  I had to look for a way to repair my credit now, as soon as possible.  I wanted out of that financial hole.  I took maters into my own hands and started the process.

 

I bought a manual on credit and started to repair my credit myself.  I didn’t exactly know what I was doing but there were two techniques I got to know pretty well, while reviewing all the information I had.

 

One I used to dispute collection companies was to have them show proof that they could conduct business in my state.  I didn’t know they actually had to carry insurance, a bond and have a license.  Luckily, in my state they had to carry it.  What I found out was that it’s common for the collection company to have it in the home state but many times don’t have them filled properly outside of that state.  The cost can be high.  That’s how I got one.  Having them remove it and stop all their collection efforts was great.  As if they never existed.  I negotiated with another collection company to pay it at 45% of what I owed and have them give me a deletion letter.   Which they did, that was also removed from my history.

 

To continue repairing my credit, I used a tactic that showed me how another person’s good credit can boost my credit score.  I have a sister with excellent credit, who helped me out and added me as an authorized user on the card.  This gave me more good accounts than bad and helped balance out the one account I was still working on to remove or settle for a deletion letter.

 

All this credit repair stuff happened in a three to four month window.  Instead of worrying about how to repair my credit, now I look for ways to increase my knowledge of credit.  That’s what helped me the most.  You can’t always know what’s going to happen in the future.  I had no way of seeing where our company was heading.  But I can always be educated about a subject.

Fast Credit Repair

Credit repair techniques change. Using the most current techniques to dispute correctly has worked well for me. I understand my credit now and strongly recommend consumers understand this critical aspect of their financial life. There’s a lot of information out there. Below is what helped me the most.
Credit Repair Reviews
How to clean credit up.
Repair My Credit Now
Copyright 2010 Rene C. Alexander.

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Repairing Credit – Some Items On Your Credit Report Might Surprise You

October 26, 2010 5:00 pm Published by

Repairing Credit – Some Items On Your Credit Report Might Surprise You

Everyone knows your credit report contains personal information about you, along with a detailed credit history. However, you may not be aware of other information that can make its way into your file that can significantly impact your life and ability to get credit for a very long time.

Credit-reporting agencies frequently use private companies to search public records for potentially damaging public information. The amount of time this adverse information can stay in your file varies, but it can have long-term negative consequences. Here is some information on what you might not have expected to find on your credit report.

Over Due Accounts

Accounts in arrears can be listed on your credit report for up to seven years after they go delinquent.

Accounts Sent to Collection – Accounts charged off can be reported for up to seven years. The seven years starts 180 days after the last missed payment that led to the collection action or charge-off.

Bankruptcy

nformation on a personal bankruptcy can remain on your credit report for up to ten years after either your case has been dismissed or you received a discharge.

Information on Criminal Activity – Most criminal records, such as indictments and arrests, can be reported for up to seven years. However, criminal convictions can be reported indefinitely.

Paid Tax Liens

A tax lien can be reported for up to seven years after you’ve paid it off.

Judgments and Lawsuits

These actions can be reported either until seven years from the judgment date against you, or the statute of limitations runs out, whichever one is greater.

Child Support Payments in Arrears

Missed child support can be reported for up to seven years.

Education Loans

Overdue or defaulted government guaranteed or insured student loans can be listed in your credit report for more than seven years.

Most credit reporting agencies routinely remove most negative items on your credit report within seven to ten years. The exceptions include when you apply for more than 0,000. of credit or life insurance, or apply for a job offering a salary of greater than ,000.

Inaccurate, incomplete, and out-of-date information often finds its way onto credit reports. It is your responsibility to hold the credit agencies accountable for fixing any errors or omissions you find on your report. Conduct your own annual credit check by requesting a free yearly credit report from each of the three credit reporting agencies. Check each report for accuracy and completeness. Ask that any errors be corrected. You have the right to have mistakes and omissions fixed in a timely manner.

Fast Credit Repair

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How can you raise you credit score even when you pay on time?

October 26, 2010 5:00 am Published by

Question by amhjp1820: How can you raise you credit score even when you pay on time?
Ok, past credit messed me up. I have a judgement thats almost paid off. I am trying to raise my credit score.I have 3 new accounts that I’ve paid on time for over 1 year. I read that one way to raise your score is to ” piggy back” on a relatives good credit ( have them add me to one of their good accounts and not use it) Is this safe, is it legal. I would love to hear constructive ways to increase my credit score. Please don’t judge me. Almost all of my ” bad” credit accounts have been paid off. I put my sons first when the divorce came. They lived in the house that I paid for while I lived in a basement.

Fast Credit Repair
Best answer:

Answer by Sugarbaby
Did you Know each time someone checks your credit score it goes down? I didn’t know this until they told us.

What do you think? Answer below!



How to Fix My Credit? Simple Steps- Information For Self Credit Repair Which Will Help Consumers Get Their Credit ranking To a higher Number

October 25, 2010 5:00 am Published by

How to Fix My Credit? Simple Steps- Information For Self Credit Repair Which Will Help Consumers Get Their Credit ranking To a higher Number

Sometimes, you can receive low loan rates by simply fixing your credit. Nowadays a bad credit may ruin your life and career. Concentrating of repairing your credit and avoiding doing the same mistakes are the most important methods to repair unfortunate credit. Life may become very stressful when you are living in debt or with bad credit rates. You will start wondering “How to fix my credit”. Revealing the answer to this question comes after you follow some simple credit repair steps.

The credit repairing process begins with the main step of requesting a copy of your credit report from a credit authority. If you notice any errors after closely reading the report copy, you have to immediately address them with the credit bureau, highlighting the errors. In order to validate the mistakes, a useful step is to also contact the creditor who will, in some cases, then address the bureau on your behalf. If you have said to yourself i need to fix my credit then this is a awfully critical step that you must not miss

Bad marks resulting from huge debts are best addressed by paying them in the shortest time possible. Your number one priority should be these types of debts.

“How to fix my credit if I have overwhelming debts?” is a question with a greater meaning.  The answer is simple in this unfortunate situation. In this unhappy situation you have to contact a nonprofit credit organization. The nonprofit credit consulting agencies will work out a plan for your bad credit, will facilitate your debts consolidation and will also contact from your debtors asking for a reduction or elimination of the finance charges.

To quickly repay all your debts, you have to create a good relationship with your credit counselor in order to plan the best strategy. The best advice is to change your lifestyle and find your equilibrium in this difficult time until your credits are repaid. A good credit plan can be re-established with these facts.

There are two main ways that your bad credit can be fixed. The first and the most secured step is to fix your bad credit using the help of a credit consulting agency. Choosing to use the help of the creditor who reported the error is the second decision that may help you.

You have to read and acknowledge the errors presented in the credit report copy after you decide which option you will choose. You need to gather evidence which proves that the report contains mistakes before addressing your credit agency.  The credit agency will then repair your credit.

Why a credit report needs to be fixed is usually contained in the credit report. Credit lenders may have reported a clerical error in the recording payments section. Previous credit issues that were solved back in time will still be stipulated in your credit report.

I hope the above steps will help you answer the “How I fix my credit” question and will lead you the smooth and quick way to repair your debts. Just take into account it takes time to improve credit score so stay dedicated and keep your outlook realistic.

Fast Credit Repair

Tips For Doing Self Credit Repair

The process of Self Credit Repair is a fairly straight forward and simple process if you have the right plan to follow. However If you go into it unprepared you run the risk of failing or damaging your credit further. To avoid hurting your credit you should get a proven credit repair guide like the ones we review at www.creditfix123.info we offer some quick reviews of proven methods.

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