Credit Repair Thoughts
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  • Credit Report Repair and Bad Credit Mortgages
    Bad credit loans are a way for consumers with poor credit scores to purchase homes, cars, etc., but while bad credit loans may help accomplish these tasks, the cost of a bad credit loan makes them something to be avoided whenever possible.
  • How to Tell If a Credit Repair Service is Trustworthy
    Legitimate credit correction companies have helped thousands of people legally and effectively correct their credit reports. Choosing the right credit correction service is the first step in getting help achieving your credit goals.
  • Learn the Facts About Credit or Risk Getting Taken Advantage of
    For such a vital topic, consumer credit is one that only a few people have more than a basic knowledge. As a consequence of this lack of knowledge, people have put themselves in a position to join the millions who are being victimized by the credit system.
  • Is Your 700 Credit High Enough to Refinance your Mortgage?
    A 720 credit rating is decent, but it isn't good enough to get you the best interest rates when refinancing your home. Lending requirements have become much more stringent so you may need to work on your credit rating before you can take advantage of today's low interest rates.
  • Four Myths about the Credit Bureaus
    They wield tremendous power over your life - as well as the lives of every other bill-paying American adult. But what do you actually know about the big three credit bureaus? Friend or foe? Fact or fiction?
  • There's Nothing Wrong With Asking for Help with Your Credit
    If you've never done it before, you can try to bake cookies without a recipe, you can try to repair your car's transmission yourself, and you can try to correct your credit reports. Of course, you risk batches of inedible cookies, a disabled vehicle, and a damaged credit history. Getting help with any of these tasks can help you avoid making a mess that is too tough to clean up.
  • Improving Your Credit Score
    Millions of consumers across the United States struggle with the realities of having bad credit. Some are turned down for credit cards or car loans, others find out their applications for mortgage refinancing have been rejected. If you are experiencing the limitations that can result from having poor credit, you may already realize that your credit is in need of repair.
  • A Poor Credit Score Does Not Always Have to Last Seven Years
    The good news is, you may not have to wait seven long years for negative listings to fall off your credit reports. There are steps you can take now that may result in significant increases in your credit score in much less time. There are things you can do to legally fix up your credit score.
  • A Better Definition of Credit Repair
    Ask 10 people to define credit repair and you will probably get 10 different answers. Even amongst financial experts, there are disagreements about what credit repair is. So exactly what is credit repair?
  • Credit Help For People With Low Credit
    Many people don't realize that their credit reports are a problem until it's too late. Some give up hope, but others start seeking out credit help and learn there are a number of things people can do to clean up their credit.
  • Credit Score Optimization: Three Quick Tricks
    There are a few simple things you may be able to do to quickly add points to your credit score which could produce big returns for a minimal amount of work. But if your credit is in need of a larger fix, it's going to take more than a quick fix solution.
  • The One Hundred Word Statement Will Not Improve Your Credit Score
    You have the ability to add a one hundred word statement to your credit file to explain the circumstances behind any negative listings. Unfortunately, it is very unlikely that this one-hundred word statement will do anything to help you get a loan and there is no chance that it will increase your credit score.
  • Four Laws Helping You Clean Your Credit Rating
    There are a number of laws designed to protect you from being taken advantage of by the credit reporting system. It is these consumer protection laws that state what information can be listed on your credit reports, how long it can remain listed, and what you can do to remove incorrect and unfair negative credit listings.
  • Is Repairing Your Own Credit Worth It?
    Repairing your credit is something you can do yourself and there is no charge to do so. While this sounds enticing, the reality is that self credit repair is rarely as easy as it first seems. Repairing your own credit will likely take a significant amount of time and education.
  • Trying to Find a Legitimate Credit Repair Provider
    The Credit Repair Organizations Act (CROA) has established guidelines credit repair organizations must adhere to that you can use to help identify a legitimate credit repair service and avoid being victimized by a credit repair scam.
  • Can A Late Payment Be Erased from a Credit Report?
    Late payments can take a serious toll on your credit score, especially if payments are reported to be of 90 days late or more. If you are looking to increase your credit score, it is certainly worth looking into the steps you can take in an attempt to remove late payments from your credit reports.
  • Can Collections Be Erased from a Credit Report?
    Collections accounts can take a serious toll on your credit score, with higher collection amounts taking a larger toll than smaller amounts. If you're looking to increase your credit score, it is certainly worth looking into the things you can do in an attempt to remove collection accounts from your credit reports.
  • Can a Charge Off Be Removed from a Credit Report?
    Charge offs can take a serious toll on your credit rating, so much so that a single charge off could result in denial of credit. If you are looking to improve your credit score, it is certainly worth it to look into the things you can do in an attempt to remove charge offs from your credit reports.
  • Improving Your Credit and Achieving New Year's Resolutions
    Considering how your credit score factors in successfully accomplishing so many New Year's resolutions, it makes sense to address this one factor first. Then, if you are able to use credit repair to increase your credit rating, you will already have a head start on accomplishing New Year's resolutions this year and in the years to come.
  • What About Legal Credit Repair Services?
    The credit repair world can be a scary place. With the number of news articles, TV stories, and opinion pieces warning of fraudulent credit repair services that get pushed out by well regarded media outlets, it can look like the only logical option is to avoid credit repair companies entirely - something many news outlets seem to advocate.
  • Identifying the Best Credit Repair Services
    With so many inexperienced credit repair organizations entering the market, many of which are turnkey credit repair businesses using third party software as the backbone of their product, it becomes difficult to know which services can be trusted with your credit reports. Here are some suggestions for spotting a quality credit repair provider.
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