Fix Your Credit Report TodayI Got Bad Credit Removed! I Raised My Score Over 200 Points!

Build a Solid Foundation

If you want to repair your credit you need to make sure your foundation is solid. There is little point in investing time or money in credit repair services if there is a likelihood of backsliding. One step forward and two steps back will never get you to your goal. One of the most powerful aides to credit repair is an intelligent, clever, and even entertaining budget. Did I say entertaining?

Financial Enlightenment

Solidify your foundation first and then start your credit repair. There are many amazing benefits to setting up a budget and none of them need to resemble an austerity program. Read more…

Bankruptcy Damages Can be Mitigated

Bankruptcy can be traumatic, and it can hurt your credit. But the damages can be mitigated significantly with credit repair. Do not imagine that you need to wait for years to have good credit again. Here is a simple series of steps that will allow you to recover from bankruptcy and to restore your credit scores. If you do it right you will be feeling good about your credit before you know it.

Reporting Modifications are Required

When an account is discharged in bankruptcy the creditors should modify the way it shows on your credit report.

Read more…

Many Collections are Not Valid

Many people in credit repair programs face some level of collection activity. Between phone calls, dunning letters, and the often cryptic list of debts that appear on credit reports, it can be problematic to identify legitimate debts and determine the best course of action.

A Unique Breed of Collector

There is a unique breed of collector that specializes in buying and dunning ancient collection accounts; debts over seven years old. These accounts are unattractive to first level collectors as they are beyond the statute of limitation for enforcing through the courts.

Read more…

A Utopian Credit Dream

In the perfect world, the credit bureaus would never err. The billions of pieces of data they each process, related to more than two hundred million Americans, would all click right into place. When you examined your credit report there would never be a mistake. And there would be no use for credit repair.

The Facts of Life

In real life credit repair is the only way to insure an error-free credit report. The credit bureaus do an admirable job. It is no small task to coordinate the massive amount of information provided by millions of creditors and collectors, not to mention the public records gathered through courthouse sources.

Read more…

It Takes Finesse

Credit repair takes finesse. There is much more to the job than just writing letters to the credit bureaus. In fact, as shocking as it seems, you can make a near perfect effort, but if you miss just a few subtle angles, your effort will produce no results at all! Here are the most important and most overlooked credit repair secrets you need to insure your success.

Doubt is Healthy

When you start your credit repair program you will need to examine your credit reports. Do not attribute any special level of competence to the credit bureaus. It is safer to assume that if anything looks even vaguely askew, there is a reporting error.

Read more…

Credit Repair is the Solution

Credit repair works. There is no reason to sit around and wait for your credit to get better by itself. In fact, although time is likely to liberate you from some of the issues on your report, you are more likely to be chagrined by the almost inevitable fact that many of the issues will linger well beyond the reporting period limits the bureaus are supposed to abide by. Credit repair is the solution.

It is Up to You

There are many reasons that you must become proactive about your credit. The best case in favor of applying credit repair techniques sooner, rather than later, is that every day you live with poor credit is costing you something.

Read more…