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Fixing Credit – Basic Tips For Fixing Credit Scores

August 31, 2010 5:00 pm Published by

Fixing Credit – Basic Tips For Fixing Credit Scores

Here’s how you can get great credit scores:

1. Know how to reach the three Credit Bureaus

There’s three credit bureaus – Equifax, Experian and Trans Union. The three major credit bureaus are important especially if you are going to be fixing your credit score. The major three credit bureaus can assist you by sending you your credit scoring report and guiding you how to correct errors. You can contact these agencies by email, telephone, or through the web.

2. Smoking kills your credit score

Smoking kills and sometimes it can kill your credit sore. Lets say you get health insurance. Your insurance company may ask you questions about your health. One of the questions will be about whether you are a smoker. If you are a smoker, your premiums will be higher than people who don’t smoke. Paying higher premiums on health insurance means less money towards your other expenses.

3. Collection agencies, deal with it

Most collection agencies are good at what they do. Some are great. Deal with it. People in debt feel so ashamed of their low credit rating that they feel they deserve the abuse and harassment that they get from collection agencies. A low credit rating does not entitle collection agencies from harassment or abuse. If this occurs, report collection agencies immediately.

4. Three scores

There are three collection agencies so you have 3 scores. However, the top and bottom score are generally omitted from loan applications so the middle one represents your credit score.

5. Pick a reputable credit repair service
There are numerous credit repair service agencies available. Lexington Law is by far the best at removing negative items on your credit report.

Fast Credit Repair

John Stocker is a bad credit repair specialist devoted to helping people remove foreclosure from their credit reports.



Smart tactics to fix credit report mistakes faster

August 31, 2010 5:00 am Published by

Smart tactics to fix credit report mistakes faster

When you find an error on your credit report, you are eager to fix it as quickly as possible.  There are some set guidelines for fixing such mistakes.  In addition, you can use some little known tactics to speed up the process.

Many surveys have shown that 25 per cent of the credit reports contain serious mistakes at any point of time. These mistakes lower your credit score by about 50 points or more and they dampen your chances to get a good deal.

When you are desperate to correct your mistakes in a shortest possible time, try using the following smart tactics:

You need to document everything as and when it happens. Keep a diary enter the details of phone calls and letters sent. This will be useful for all future steps. Your first request for correction of mistakes in your credit report should always be in writing.  Send your letter by certified mail. The consumer protection laws make it mandatory for you to inform the credit bureaus in writing the mistakes in your credit report. Do not waste time in following up with the creditor.  You have to dispute with the credit bureau for reporting incorrect information.  You can send a copy of your request to the concerned creditor but your main focus should be on the credit bureau. If you are speaking to a representative from call center, you should ask for the team number and the name of the supervisor and note it in your diary for future reference. Find out the names of executives from the credit bureau.  You can find them on the Internet very easily.  When you write to the bureau, you should send copies to the concerned executives. It does not take much of your time, but it speeds up the resolution of your dispute. If you have all the documents in support of your claim, send them to Federal Trade Commission.  You be happy to see the quickness with which your dispute is resolved.  Their helpline is 877–FTC–HELP If the credit bureau agrees to your request of correcting your credit report, requested them to notify to all the parties (including your prospective employer) who might have reviewed your report in the last six months. You should never threaten anybody who is helping you to correct your problem to file a lawsuit.  Let your attorney do that for you.
Fast Credit Repair

Chintamani Abhyankar, is a well known expert in the field of finance and taxation for last 25 years. He has written many books explaining inside secrets of the magic world of personal finance. His famous eBook Stop donating your money to IRS which is now running in its second edition, provides intricate knowledge and valuable tips on personal finance and income tax.

www.restoremycreditsystem.com Repair Bad Credit with the Restore My Credit system. http
Fast Credit Repair

Find More How To Fix Credit Articles



Repair Credit Rating – Used Car Loans Easily Obtained With an Improved Credit Rating

August 30, 2010 5:00 am Published by

Repair Credit Rating – Used Car Loans Easily Obtained With an Improved Credit Rating

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Nobody bothers when the credit score or credit report lands at home and the report contains a numerous negative comments and problematic transactions. It is just a piece of paper which describes certain transactions that you have incurred in the past.

However, when you walk into a used car dealer shop and when you try to purchase a used car by applying for loan that is when reality bites. That is when you realize that you do not qualify for used car loans. The reason? Your poor credit rating. The car dealer snidely remarks that you ought to repair credit rating before you think of any such transaction.

When this embarrassment takes place in front of your friends, you curse yourself for not paying attention to the steps necessary to repair credit rating. If you do not want to learn the lesson the hard way, you should go in for credit rating repair solutions even before you apply for a used car loan.

What steps should you take? The first and the most important step that you ought to take is to get rid of errors from your credit report. This is the most basic and fundamental aspect of any and every credit repair solution.

If you do not get rid of negative information, chances are high that you will end up with a poor credit rating no matter how hard you try. Your dream of applying for a credit car loan and become mobile will be shattered forever.

The second step that you should take is bringing your debts under control. You must always remember that your repayment capacity is determine not just on the basis of your current income but also on the basis of your past record. If you have not repaid debts properly in the past, lenders will classify you with a poor credit rating and you will find it difficult to get loans in the future.

You may be earning a high income today but a poor credit rating is always going to pull you down. Hence, it is high time you use that high income of yours to repay your debts so that you have more money in your hand.

You must keep in mind that repairing your credit report is not something that can be done overnight. If you want repair credit rating, you must be prepared to spend a few months on the task. Of course, removal of errors will be complete within a month and you will have a lot of task in your hand before you can enjoy permanent and stable credit repair.

There are options available to “>repair bad credit and raise your credit score. Something as simple as disputing negative items can help. These items can be erased from your credit report, resulting in a significantly higher rating. Click the following link for more information on how to “> repair bad credit quickly and legally:

Credit Report Repair

Fast Credit Repair

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Rose Graham has been involved in the public sector, helping consumers rebuild their financial well being for the better portion of her working life.



Credit Repair That Works! Waterfield Credit

August 29, 2010 5:00 pm Published by

Waterfield Credit – America’s most trusted credit repair company, was on Channel 8 NBC in Tampa FL. Teaching people how to fix credit and repair their own credit reports. This is not a funny video. Millions of people are Ranking this video, The Top video on youtube because credit is very important! How do you fix your own credit? www.waterfieldcredit.com or www.eatmydebt.com check them out. Call Drew and his company today to get your life on track. Gayle is a very attractive woman. Understanding why souja boy and rihanna love waterfield credit is simple. There are so many benifits to understanding mtv music videos and how to get codes on guitar hero.
Fast Credit Repair
Video Rating: 5 / 5





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