Learn About Credit Repair

Falling victim to credit repair fraud is an all to common occurrence. Consumers often get desperate when trying to eliminate excessive debt and stop hounding collections companies. Unscrupulous firms will offer fanciful and unrealistic credit repair ...

Obtaining a credit card is relatively easy but not necessarily a guarantee for a number of different reasons. The lack of a credit history, excessive personal debt, short-term employment and other more nebulous factors may be the reason for being dec...

There are many situations where it may make sense to consider outside help for implementing credit repair strategies or to prevent the need for credit repair in the future. Many consumers live paycheck to paycheck, beyond their means or their life so...

Having good credit is a must if a consumer wants to qualify for a mortgage, purchase a vehicle, get a job or rent an apartment. That said, maintaining good credit early in life leads to additional financial opportunities and saves money over the long...

After receiving a copy of your credit report you may notice some inaccurate information and wonder why it matters. Many consumers gloss over such inaccuracies and think to themselves it can't be that important. Besides, fixing a credit report is prob...

When a consumer receives a copy of their credit report for the first time, they may come across a number of different items with which they are unfamiliar. It is common to see a large list of credit cards they may not have used for years and may be w...

The credit score for an consumer is a key piece of information lenders and financial institutions use when deciding to issue credit or extend loans. Many consumers don't know what their current credit score is or how it affects their ability to use f...

Having good credit is often required for more than just making purchases at the grocery store or ordering a product online. Poor credit can negatively affect an individual's ability to obtain gainful employment or to rent an apartment. A consumers' c...

Good credit is required in most aspects of society and it is important to remember to always protect yourself financially. While it is possible to live a cash only existence, it will often create an inconvenience at best and an outright roadblocks at...

A clean credit report is crucial for taking advantage of loans and credit card offers at reasonable interest rates. There are two primary factors which affect the quality of a credit report which are black marks resulting from missed payments or lega...

Good credit is required for almost anything a consumer wants to do from purchasing a car, renting an apartment or applying for a job. Sometimes through no fault of their own an individual loses a job or has a medical emergency resulting in missed bil...

All aspects of an individual's life will in some way be directly or indirectly affected by how they have conducted themselves with regard to managing their finances. Whether it involves obtaining a loan for an automobile or home or applying for emplo...

A charge off is a term used by credit issuers to specify that an outstanding account balance is being written off as a loss. Charge-off credit balances normally occur after an account has become past-due by 180 days or approximately six months. It is...

Understanding date of last activity is an important concept when trying to properly implement credit repair. This is because date of last activity applies not only to when a payment was made on a line of credit but also when a balance was paid off o...

There is no magic talk off or special trade secret when speaking with creditors. The most important thing is being proactive and honest about your current situation and how you would like to work with the creditor to get back on track financially. ...

Credit repair is a complete examining of an individual's credit report, looking at the root causes of what may be causing credit problems and taking proactive steps and adjusting consumer behavior to clean up the credit history going forward. A gene...

Credit counselors are highly trained individuals which often have many years experience and access to tools and information to help consumers deal with excessive levels of debt. It might not always be necessary to retain the services of a qualified c...

When credit cards were created in the 1950s they were primarily used by businesses and travelers but over the decades more and more available credit has been offered to consumers. This increase in credit availability has led to an explosion in econom...

Certified credit counselors are an important part of helping consumers and businesses tackle debt related situations and get them under control. This type of job can be difficult as it is equal parts counseling where individuals may have emotional is...

Poor credit can undoubtedly ruin the plans of your life in irritating ways. It can take away options and hinder you from enjoying some rare opportunities in life. There is only one way to get out of this mess and that is to go through the credit repa...

You know that your credit is important. From getting a mortgage, to buying a car, to getting the best insurance rates, your credit can impact how much you pay, and whether you get the loan you need. Staying on top of your credit is important if you w...

If you have bad credit, you should consider fixing it. You need credit repair because bad credit can keep you from getting approved for credit cards, loans, and a mortgage. Some employers also require that applicants have decent credit in order to qu...

The answer to this simple question is yes and no. While there are many legitimate Credit Repair agencies (usually law firms), there are also many con-artists and scammers posing as valid Agencies. Read the following guidelines when considering which ...

We are frequently asked by people to telling them how to figure out if they should try and fix their credit or if they should consult attorneys who deal with credit repair. Well, there are some cases in which credit repair fixing will only need your ...

If you need to repair bad credit, you will need to do a few things. According to the Federal Trade Commission (FTC), the most important thing that you need to do is try to avoid scams. There are many companies that claim that they can help you with a...

You'll find still some men and women with bad credit who don't feel that they want any credit repair assist. Yes, you hear me proper. Some individuals still believe that they can get by with paying money for everything and their credit score just doe...

While we all would like to think that every agency and service that offers to provide credit counseling and repair was reputable, we all know that isn't the case. Just like in comparison shopping for a vehicle or getting a second opinion from a physi...