How to survive recession

If you have bad credit, with the resulting low FICO credit score, now it is even more imperative than ever to fix your bad credit. More and more knowledgeable economists indicate that we are moving into a recession. Money will be tight. Interest rates will be higher than ever for those people who do not have good credit.

One of the best ways to repair credit is to pay off debt, especially high interest credit card debt. The time has come to tighten your belt, and focus on paying your debts on time, each and every month. If at all possible, do not just pay the minimum amount due - instead pay as much as you can each month to pay down your debt, and improve your credit.

If you are expecting a tax refund, file your taxes now and use your refund to pay down debt. In the long term, you will be glad you did.

TurboTax Is The Easy Way To Do Your Taxes. Do your taxes for free with TurboTax Online Free Edition - Start Now.



tag: survive recession

How to Deal with Bad Credit Reports

How to Deal with Bad Credit Reports

Today your credit score is everything. Lenders and bankers approve or disapprove loans, mortgages, and credit cards based on your credit worthiness. It is also something that will determine your credibility to employers, landlords, and insurance companies.

Repair Your Credit

With a good credit rating you will be able to apply and be approved for loans and/or credit cards easily. Ultimately, isn't that the goal? You will also have a better chance of getting certain jobs, and living where you choose.

Having bad credit reduces your opportunity for many of these things. If you are able to get approved for a loan or for a credit card, you'll most likely have a much higher than average interest rate. You will be considered a “high risk” customer because creditors are not certain if you will be able to pay your bills on time. If you want to apply for an apartment rental the landlords may take a look at your credit report to determine if you will be able to pay your rent and utilities.

These are just a few of the many reasons why having a good credit score is very important in today's world. However, what can you do if you happen to already have bad credit? If you have a bad credit score, it is imperative to fix the problem as soon as you can. Here are some ways clean up your credit report
.

First, stop your bad credit before it gets worse. So how do you do this? Pay your old overdue debts as soon as possible. This will not immediately improve your actual credit score, but it will put you on the right track to repairing your credit history.

Second, raise your credit score by opening a new savings or checking account. You should also apply for a secured credit card. Although will have a higher interest rate, it is also a good way to control your credit card spending and it will also raise or repair you bad credit score as long as you pay the monthly credit card bills on time you will be able to see a significant rise in your credit history report.

If you follow these steps, and pay your bills on time every month, you will eventually start to see a good credit rating. Remember that it does take time to raise your credit rating. Be patient and diligent to see a positve change.

Once again, remember to pay your loans and credit cards on time in order to get a good credit rating. By doing so over time you will end up with a good credit score and history.

Tags: legal bad credit repair report score

Bankruptcy? Home Loan Credit Repair, Restoration, Legal Services

Bankruptcy? Home Loan Credit Repair, Restoration, Legal Services

Bad credit can be fixed or deleted - even if you have suffered bankruptcy there are options for you.

If you would like to qualify for a mortgage, car loan, or credit card, but have a bankruptcy on your credit history, you may be turned down or end up paying a much higher rate of interest than other consumers.

Lexington Law is a legal bad credit report repair and restoration service that can help you fix your bad credit, with good success deleting even bankruptcies permanently from credit reports!

How is credit repair possible?

Because of the Fair Credit Reporting Act (FCRA), consumers may challenge the information on their credit reports on the basis of "completeness and accuracy." If an individual files a dispute, the credit bureaus must contact the source of the credit information (the creditor) and confirm that the information is accurate, verifiable, and not obsolete. There are some circumstances when the credit bureau is required to go beyond a simple verification of the creditor's own computer record. If the credit bureau does not receive verification from the creditor within 30 days, then the credit bureau must promptly and permanently delete the credit listing.

Learn more

Bankruptcy no problem. Home loans are possible with credit repair restoration. Legal services such as Lexington Law can help you fix your bad credit, and establish a healthy credit history.

Tags: bankruptcy home loan credit repair restoration

When Good Credit Marries Bad Credit [Fool.com] April 09, 2007

When Good Credit Marries Bad Credit [Fool.com] April 09, 2007
Don't wind up in divorce court! Here is some very good advice for couples who have very different ideas about how to handle money and credit.
When Good Credit Marries Bad Credit
By Mary Dalrymple
April 9, 2007
"If the law of love says opposites attract, then it's no wonder that sometimes Miss Good Credit finds herself falling head-over-heels for the bad boy, Mr. Poor Credit. There are a few things this unlikely pair should know before they walk down the aisle.
Marriage and financesWhen two people marry, they decide to share everything, but the wedding license doesn't force a merger between two credit reports. Married couples keep their separate credit files. Wedding vows do not automatically ruin anyone's good credit. Unfortunately for Mr. Poor Credit, they don't automatically improve anyone's creditworthiness, either.
That can change if our couple decides to share financial accounts. After all, marriage means not just love and companionship, but also mortgages and joint checking accounts. The bad behavior of one spouse can start to affect the other if they rush to merge their financial lives without first cleaning up any past credit transgressions or mending the problems that led them to a checkered credit history in the first place.
Married couples, separate financesAlthough it may sound heartless, maintaining some financial distance for a while might help a couple in the long run.
Let's say Mr. Top Credit and the newly Mrs. Bottom Credit visit their mortgage lender. Because they've both taken to heart the Foolish advice to talk money before marriage, they have already had a long chat over a candlelight dinner about Mrs. Bottom Credit's poor financial past.
When they start shopping for a loan to purchase their first home, they have a few choices. Mr. Top Credit could purchase the home only in his good name, but he will probably qualify for a smaller loan than the couple would together. Often, the smaller loan won't be enough to purchase the home they want. They could apply jointly for a loan, but Mrs. Bottom Credit's poor record could cause them to run into limitations and get less attractive mortgage terms, a potentially costly proposition.
Another option is to put off their home purchase and spend some time rebuilding Mrs. Bottom's credit rating. This can take a while and will require our newlyweds to be diligent and patient. In the end, they would be rewarded with cleaner credit, better loan terms, and maybe even fewer fights over money.
Fixing bad credit
The spouse with poor credit history can start cleaning up his or her act by ordering free copies of each credit report held by the three large credit brokers. That will quickly reveal the problems that need to be tackled, as well as any incorrect information that might be unnecessarily dragging a credit score down. Dispute any incorrect information with the credit bureau, and follow up to make sure it gets fixed.
Our bad creditor will then need to start mending the errors of his or her ways. That means determining how much is owed and to whom, catching up on payments, and demonstrating responsibility to lenders. Maintaining separate financial lives for a while might be a good idea if Mrs. Good Credit has some doubts as to whether her bad-boy husband has really mended his ways. Past credit problems can be the result of a job or health emergency that threw someone's financial life into turmoil. On the other hand, they can be a sign of irresponsibility. Mrs. Good Credit may want to hold off on merging her financial life with her new husband until she sees him acting responsibly.
If that's the case, Mrs. Good Credit might want to postpone creating any joint accounts or adding her husband to her credit cards. Any late payments or other misdeeds occurring on joint accounts will show up on both spouses' credit reports. She will also be just as liable for any debts incurred on those accounts, even if her husband's the spendthrift. "

Don't Despair - Financial Help for Single Moms with Bad Credit

Don't Despair - Financial Help for Single Moms with Bad Credit

Single Moms - you can fix bad credit and improve your life now!

• Are you a single mom with bad credit?
• Do you want to improve your credit?
• Do you think it is too difficult to improve your credit?

If you have answered yes to any of these questions, you are not alone. But don't despair, there is financial help available for single moms with bad credit!

You don’t have to live with bad credit. It is possible to repair your credit, and it is much easier than you would think. It will take some time, but it will be worth it. Find out what other single moms have already learned; you too can enjoy the financial freedom offered when you have improved your credit rating.

There are credit repair agencies that can help you, and we will also give you the steps to follow to do-it-yourself credit repair. You can compare the methods and choose the best credit solution for you, a single mom.

Bad credit can ruin your life. Did you know that if you have bad credit you may not be able to get credit cards, loans, or financing when you need it? And it doesn’t stop there. You may be passed over for that new job you are seeking, be subject to much higher insurance rates – or even be refused insurance, or be refused rental property just because you have bad credit. If you are granted credit, a loan or insurance, bad credit will normally cost you much more in interest rates, premiums and fees.

Many single mothers have found improving their bad credit can vastly improve their life situation. And credit repair is possible. The Federal Trade Commission offers information about The Fair Credit Reporting Act, which spells out consumer rights regarding credit reporting. Here are some of the things you can do to improve your credit, but remember, it takes time to do so. Here are some of the important steps to take to improve your credit:

1. Order your credit report. You are entitled to a free copy of your credit report every 12 months, so take advantage of the free credit report from each of the 3 credit bureaus.
2. Check your credit report carefully for accuracy. Most credit reports contain errors! Dispute any errors and negative items that you find. Each report will tell you how to file a dispute. Send any documentation that you have to support your dispute.
3. Pay your bills on time each and every month. If for some reason you have a problem, contact the creditor to make payment arrangements, and often you can avoid negative entries on your credit history.
4. Don’t apply for credit that you don’t need. However, if you have not established credit, apply for a secured credit card to start establishing your credit file
5. Don’t max out your credit cards. Use your credit wisely, and spread your balances between cards – try not to use more than 30% of your available credit on each account.

There are reputable and legal credit repair agencies that will help you repair your credit. Legal Online Credit Repair by saw firms such as Lexington Law can help you to maximize your results much more quickly and easily. They take care of everything for you.

Click here and Let a Law Firm Remove your Negative Items from your Credit Report!

Tags: financial help for single moms with bad credit, credit repair

Credit Repair In 24 Hours

Credit Repair In 24 hours!

This is something interesting I just found. This guy says he can help you clean up your credit in 24 hours. It could be worth a try if you are trying to get a loan or credit account, and are having trouble due to bad credit.

"Fix Your Credit Fast With This Simple System. Get Rid of Your Bad Credit and Debts Forever"

"Those credit bureau's destroy peoples lives. They track everything about everyone and they don't let people know how they are calculating scores. It's so stupid. They sell your information to everyone willing to pay. They tell everyone they can't change their scores. They tell you to just forget about that house or car or better job. Or they make you pay crazy interest rates.
I got so sick and tired of seeing these stupid scores ruining peoples lives. Don't get me wrong the bureau I was working for paid me a lot of money. After a while though I couldn't live with myself, it became harder and harder to get a good nights sleep.
Well it's your lucky day. You are about to get the insider information to boost your fico score through the roof.
Have me a former credit bureau manager reveal the legal way to jump your credit score through the roof.
Good credit is essential in America today, and there is a network of credit reporting agencies that keep track of your current credit rating and check your credit worthiness every time you apply for a loan, credit card or any other type of credit. If you feel overwhelmed and confused by your credit situation, this proven credit repair system will amaze you.

Credit Repair In 24 hours!

The Internet,
it's tough to know who to believe. There are so many people making ridiculous claims, it's insane. It's like day after day, you get hit with hype pitch after hype pitch. In a moment, I'll tell you specifically what I can do for you. But first, here is why you should believe me to begin with:
Here are 4 good reasons to believe what I say:
One: I've been in this business for a very long time. My kind of experience is very rarely matched. Many bankers and even credit bureau professionals do not know many of these techniques.
Two: I am not asking you for some large investment that is going to make me rich and you poor.
Three: I hate the credit bureau's. They track our every move, they should be illegal. Working for one I learned all their little secrets.
Four: How many of these people selling these so called kits have been on the inside. My guess is none after reading the garbage in most of these packages.
Before you read another word, why not sign up to receive my FREE helpful & insightful newsletter on the latest tips and secrets to mastering your credit and managing your debts? This weeks article is how to buy a house or car without a credit check.
TESTIMONIALS:
The testimonials below are just a small sample of people who have consulted me or followed the techniques of this product. My customers are from all over the country. My formula works for everyone willing to try it.

"This was the best think I ever did. Your package made me feel like I had a friend on the inside. It allowed me to buy my first home. Thanks." - Peter King, Miami FL


"You helped me get a brand new car. Let me take you for a spin. LOL" - Susan Ward, Owner of a New Car
You'll learn what they don't tell you about your "credit", your "credit score", and your "credit habits"... It's much more than just repairing your "credit report"!
I'll also show you the steps for removing negative items from your credit report using the secrets, tips, and techniques that credit repair companies use to repair credit. Because of your lack of credit knowledge, they can charge hundreds of dollars for something that you can, and should, do yourself for a few bucks, sometimes even free.
Bad credit is big business and companies reap millions of dollars every year from people's lack of knowledge about their credit and FICO score! How?... With extremely high interest rates, huge down payments, fees, late charges, and penalties.
The Fact Is: You don't need a lawyer to eliminate your debts!
In Fact: You don't need a credit counselor to fix your credit for you!
In Fact: You don't need any kind of so-called professional to help you at all!
Many Times it is actually bad to have a "So Called Professional" try to fix your credit
OK. Let's get down to the good stuff:
Even if your debt is your fault, find out how to effectively restore your credit rating without being dishonest.
How to get a no cost $0.00 COPY of your most current credit report!
How to get the credit bureaus to actually decode your report!
How to get incorrect, negative and misleading information quickly, easily and LEGALLY removed from your report!
How to get your spouse's (or former spouse's) negative information permanently disjoined from your credit file(s)!
How to get your creditors to actually agree to settle all your debts for just a fraction of their original amounts (often as little as 5% to 10%) and at the same time agree to report these newly reduced debts as either "paid-in-full," or "paid satisfactorily!" or even erased like they were never there.
How to instantly add 10 years of good credit to your credit history for free!
And That's just the beginning!!!
Never be denied or rejected because of credit problems again
Get the mortgage or car loan you want with a low rate and low payments – Credit won’t be an issue
Get the best loans only made available to the “elite” with an excellent credit rating
Get qualified for business loans in a snap
Find out how you can send out one simple letter and erase your bad credit forever (It takes just 10 short minutes and it’s absolutely free!)
Instantly clear up all your bad credit troubles FOREVER - Guaranteed in writing!
Uncover the secret to getting your creditors to actually agree to settle all your debts for just a fraction of their original amounts (often as little as .25 on the dollar) and at the same time agree to report these newly reduced debts as either “paid-in-full,” or “paid as agreed"!
The step–by-step, easy to follow system attorneys and credit repair specialists use to remove negative items from your credit report – PERMANENTLY!
No credit can be just as crippling as bad credit. Learn how to build YEARS of excellent payment history in less than 30 days
Get our exclusive list of no credit check lenders
The secrets you need to know in order to raise your credit scores by up to 200 points
How to save hundreds of dollars by restoring your credit rating for FREE
The secrets to getting dozens of Pre-Approved offers in your mail box
Small changes you can make right now to take your credit from good to EXCELLENT
How to get a fresh new credit report legally
3 ways to boost your credit score by 50 - 71 points in 30 days or less
How to insure you’ll never be turned down for credit again!
Discover the real secret behind getting negative items removed from your credit without committing fraud
I offer a 90 day unconditional guarantee.
You'll learn what they don't tell you about your "credit", your "credit score", and your "credit habits"... It's much more than just repairing your "credit report"!
I'll also show you the steps for removing negative items from your credit report using the secrets, tips, and techniques that credit repair companies use to repair credit. Because of your lack of credit knowledge, they can charge hundreds of dollars for something that you can, and should, do yourself for a few bucks
Bad credit is big business and companies reap millions of dollars every year from people's lack of knowledge about their credit and FICO score! How?... With extremely high interest rates, huge down payments, fees, late charges, and penalties.
The fact is: You don't need a lawyer to eliminate your debts!
In Fact: You don't need a credit counselor to fix your credit for you!
In fact: you don't need any kind of so-called professional to help you at all!
Many Times it is actually bad to have a "So Called Professional" try to fix your credit
OK. Let's get down to the good stuff
How to get a FREE COPY of your most current credit report!
How to get the credit bureaus to actually decode your report!
How to get incorrect, negative and misleading information quickly and easily (and LEGALLY!) removed from your report!
How to get your spouse's (or former spouse's) negative information permanently disjoined from your credit file(s)!
How to get your creditors to actually agree to settle all your debts for just a fraction of their original amounts (often as little as 5% to 10%) and at the same time agree to report these newly reduced debts as either "paid-in-full," or "paid satisfactorily!"
How to instantly add 10 years of good credit to your credit history!!!

How to get incorrect, negative and misleading information quickly and easily (and LEGALLY!) removed from your report!
And That's just the beginning!!!
Even if your bad credit is your fault, find out how to restore your credit rating without lying or being dishonest with your creditors.
Discover how to Instantly Add Up to 10 Years of Excellent Credit History to Your Credit Report (This secret alone is worth its weight in gold… It’s absolutely priceless!)
Never be denied or rejected because of credit problems again
Get a mortgage or car loan with a low rate and low payments
Get the best loans only made available to the “elite” with an excellent credit rating
Learn how I increased my credit score by 150 points
Get qualified for business loans in a snap
Find out how you can send out one simple letter and erase your bad credit forever (It takes just 10 short minutes and it’s absolutely free!)
Instantly clear up all your bad credit troubles FOREVER - Guaranteed in writing!
Uncover the secret to getting your creditors to actually agree to settle all your debts for just a fraction of their original amounts (often as little as .25 on the dollar) and at the same time agree to report these newly reduced debts as either “paid-in-full,” or “paid as agreed"!
The step–by-step, easy to follow system attorneys and credit repair specialists use to remove negative items from your credit report – PERMANENTLY!
No credit can be just as crippling as bad credit. Learn how to build YEARS of excellent payment history in less than 30 days
Get our exclusive list of no credit check lenders
The secrets you need to know in order to raise your credit scores by up to 200 points
How to save hundreds of dollars by restoring your credit rating for FREE
The secrets to getting dozens of Pre-Approved offers in your mail box
Small changes you can make right now to take your credit from good to EXCELLENT
How to get a fresh new credit report legally
3 ways to boost your credit score by 50 - 71 points in 30 days or less
How to insure you’ll never be turned down for credit again!
How to get the loan you want, the car you desire, and the house of your dreams – Credit won’t be an issue
Discover the real secret behind getting negative items removed from your credit without committing fraud
I offer a 90 day unconditional guarantee.
You will also find out where to get a pre-approved $5,000 platinum credit card - today!

Credit Tip Alert From Rick: Monitor Your Credit
If you want to improve your credit score fast you have to monitor your credit.

Why Monitor Your Credit?

Here are the basic reasons

1) Identity theft
2) Inaccuracies and mixed files
3) Inquiries
4) Tracking payments
5) Quick disputing process online

I don't care if you already have a copy of your credit report. This credit monitoring service is $12.00 per month but it will let us dispute online. It also lets us view all 3 of your reports. There are a lot of reasons this is the best service on the market. (and yes I know you can get a free copy of your credit report from each bureau) they are useless when it comes to fast credit repair. Credit Repair In 24 hours!
THE FIRST MONTH IS $0.00
PS: THIS IS A MUST IF YOU WANT FAST CREDIT REPAIR. We have to be able to monitor your credit online. This also gives us the ability for quick easy disputes.
PSS: If you don't want to pay the $12.00 a month just do it for a few months until your credit is cleaned up. THE FIRST MONTH IS $0.00 you may easily cancel at any time.
I'll show you everything that only the very elite professionals know
Did You Know That:
There are 3 National Credit bureau's
They do not share information. Credit bureau's are businesses. It is not in their best interest to share information with competitors (other bureau's). This is one big advantage to you.
Credit bureau's all compile their own score for you. This is commonly called your FICO score.
FICO stands for Fair Isacc Company. This company developed the software that the 3 main bureau's use to calculate your credit score.
When you purchase a big item such as a car or house the financial institute will pull your credit from all 3 bureau's and take your middle score as your FICO score.
Most banks and large financial institutes report late payments etc with all 3 bureau's. Most smaller companies only report to one. This is due to cost restrictions. Most smaller companies are under a contract with a particular bureau. For example if you don't pay a phone bill it will most likely only show up on one bureau's report.
Your FICO score is a formula that can be manipulated to your advantage if you know how the formula is calculated.
I will show you how to manipulate your score and jump it so fast your head will spin!
Some reasons to let me help you always get a:
"YES" every time you want to buy something on credit.
1. I guarantee my product.
Guarantees show you that we are confident enough to put the risk on our shoulders and take it off of yours. I know that this product will help you. The information contained in this product will amaze you
2. Here's how you can contact me.
3. I hate the credit bureau's for what they do to people's lives. I have seen the bad effects first hand. When I worked for a bureau before I just had to bite my tongue in order to keep my job. Well it's time to get even.
This formula is so easy to use. You will be an expert in no time. You will save years of trial and error.
4. You can do this on a shoestring budget.
Get the package and there are no other costs or ongoing fees. the best part is if you have items you want erased, you can do most of them for free. You know that old cable bill or telephone bill that is sitting on there? Let's get those erased for good & with $0 additional cost to you.
5. You get INSTANT ACCESS to this product.
My product is downloaded from the Internet. After your payment is submitted, you'll be directed to a private download page where you'll download your copy of my system. No waiting. You'll have this credit repair system in your hands only minutes from now.
Here is exactly what to expect when you order my product:1) You click the "Order Now" button at the bottom of this letter.2) You fill out the required information and hit "submit"3) You are automatically brought to the download page.4) Click "download" and open the file.
That sounds pretty simple, right?
6. Credit Repair is NOT complicated.You don't have to have a financial degree to understand this. With the forms I am sending you can simply fill in the blanks.
7. My product is the ONLY technology, based on my unique combination of my loans officer experience and my credit bureau manager experience.
8. My formula is practical and not theoretical.
So many people who tell you how to improve your credit have never been involved in that business.
I've been in the trenches and have worked with professionals in the credit field for most of my adult life.
My formula is credible information based on my real-world experience.
Still Undecided? Need More? Well, How About This... "

Credit Repair In 24 hours!

Tags: fast and easy credit repair in 24 hours, improve credit score fast

Online Credit Professor - The Truth About Credit Repair

OnlineCreditProfessor.com
The Truth About Credit Repair

This entry was posted on 3/6/2007 9:45 AM and is filed under Credit Repair,Credit Report,Credit,Identity Theft.
The TRUTH About Credit Repair…Here is a very good article about the ins and outs of credit repair by Sebastian Foss
"Have you ever wondered what companies send you when they claim you can erase your bad credit overnight? How about those ads that say you can get any major credit card 100% Guaranteed regardless of your credit?
Ads abound almost everywhere (online and off) selling books, systems and secrets to help you fix your credit in a hurry. Many of these programs have claims which read like the covers of supermarket tabloids “In 3hrs my credit score jumped from 580 to 676!”… “Erase bad credit and smash your debts with just 2 Magic Letters!”. "Create a completely new credit file in 24hrs!” Are these types of claims ALWAYS too good to be true? The answer is “Yes and… no”.
While many people would love for you to believe that the only thing that can fix bad credit is time; in reality… nothing could be further from the truth. The fact is, time is only one factor which will fix a credit report (but it’s a far cry from being the only factor). How can I back this up? Easy. Under a consumer protection law known as the Fair Credit Reporting Act (a.k.a. the FCRA) the only negative information which can remain on your credit report is not what is accurate… but what can be proved as such. What’s this mean to you?
It means any negative item on your credit report can only remain there if it is accurate and CAN BE PROVED AS ACCURATE under the guidelines of the FCRA. This undisputable fact presents consumers with both good news and bad news. The good news is that through the FCRA your credit score can most likely be improved dramatically in a very short period of time with only a modest amount of effort on your part.
The bad news is that while the actual “work” will take very little of your time, it is vital that you have good information on “how” to go about it. This is the bad news; 9 out of 10 courses on restoring your credit will do nothing more than lead you into a snake pit. This is because they provide you with out-dated “Boiler Plate” dispute letters which are rarely effective. These are nothing more than form letters and… quite frankly (more bad news) the Credit Bureaus and Creditors will laugh at you if you try to use them.
While I agree with the Federal Trade Commission (FTC) that “Anything a Credit Repair Clinic can do for you legally, you can do for yourself at little or not cost”… the key element you need for success is the latest inside techniques and procedures to get the results you want. These involve strategies known as “Proof of Contract”, “Constructive Notice”, “Challenge of Procedure” or “Restrictive Endorsement” and many others.
All these terms may “sound” impressive but they are really quite simple. In the end, it is nothing more than a method of communication which exercises your consumer protection rights, gets the results you want and raises your credit score. Even more impressive, once you learn how simple it can be by doing it for yourself, you will find there is a fortune to be made doing it for others! Either way, it all starts by requesting a free copy of your credit report by " Clicking Here For Credit Secrets Bible™" To receive Free Credit Tips including “How to Bullet-Proof Yourself From Identity Theft For FREE!” "
I found this to be a very imformative article about credit repair. While it is easy to do, sometimes you may require help from a credit repair agency. If so, don't live with bad credit, seek help when you need it.Tags: credit repairMore blogs about credit repair.

Repair Your Credit Report - Increase Your Credit Score

Repair Your Credit Report - Increase Your Credit Score
Can Bad Credit be Deleted?
Yes, it can. Despite the fervent protestations of bureaucrats and credit bureaus everywhere, a simple fact remains: negative credit items are deleted from peoples' credit reports by the thousands each and every day. So if you have been worrying about bad credit, or haven't been able to get a car loan, or mortgage, don't despair. Bad credit items CAN be DELETED.
A couple of years ago, an attorney from Lexington Law. visited with a regulatory agency for a casual conversation with two agents. The Agency's office, as a matter of course, believed the major credit bureaus' claim that bad credit couldn't be deleted. The visiting Lexington Law attorney asked, "How many negative listings would you have to see deleted from consumer credit reports before you would believe that bad credit can be deleted: ten? fifty? a hundred? one thousand?" The agents responded with blank stares.
"How about 50,000 deleted negative listings, would that convince you?" continued the Lexington attorney. He pulled a stack of papers six inches high from his briefcase .
"In these pages, we have listed the permanent deletion of over 50,000. negative listings from our clients' files in the last two years alone," he explained. The government agents pulled the stack across the conference table and began to look through the pages, taking in the massive list.
"But have you deleted any bankruptcies?" shot back one of the agents, "we know that bankruptcies can't be deleted." The Lexington attorney leaned across the table and ran his finger down the first page.
"There's one deleted bankruptcy... and, there's another,... and another,... and another. Should I go on?" asked the Lexington attorney.
The agents sat back in their chairs. "You know," began the junior agent, "I have this one listing on my credit report that simply must belong to somebody else..." For more information on credit reporting, credit repair, identity theft, and other financial issues, go to the OnlineCreditProfessor.com Blog.
How is credit repair possible?
The Fair Credit Reporting Act (FCRA) allows a consumer to challenge the information on his credit report on the basis of "completeness and accuracy." When a consumer files a dispute, the credit bureaus must contact the source of the credit information (the creditor) and confirm that the information is accurate, verifiable, and not obsolete. In some circumstances, the credit bureau is required to go beyond a simple verification of the creditor's own computer record. If, within 30 days, the credit bureau has not received verification from the creditor, then the credit bureau must promptly delete the credit listing. Learn More."

Tags: fix bad credit, credit repair

Protect Your Personal Information From Identity Theft and Fraud

Protect Your Personal Information From Identity Theft and Fraud
Protect Your Personal Information From Identity Theft and Fraud
"LifeLock Identity Theft Prevention is the only identity theft prevention service to offer a $1 million guarantee.
PREVENT IDENTITY THEFT!
Identity theft protection is available from LifeLock. You can protect your credit and your personal information from identity theft. We often hear stories about people whose identities were stolen by identity thieves. The Federal Trade Commission's (FTC) determined that ID theft victims spend hundreds of hours over many years to get their lives back in order, and fix their credit. Worse than that, innocent people can end up in jail as a result of Identity Theft (due to mistaken identity). LifeLock Identity Theft Prevention service protects against this ever happening to you - enroll at LifeLock and they stand behind their service with a guarantee - up to $1 million.
The FTC reports that identity theft is the single fastest growing crime in the United States. These days it is one of the easiest crimes for criminals to get away with, and one of the most difficult crimes for individuals and businesses to avoid. At least Identity Theft was one of the easiest crime to get away with - but that was before LifeLock started protecting people's identities and personal information with their proactive ID theft prevention service.
Most estimates show that it takes id theft victims an average of 160 hours to clean up the mess left by having their identity and personal information stolen. Why go through the nightmare of Identity theft? If you enroll with LifeLock, there is no work, and no nightmare. LifeLock stops the crime before it ever happens. It's as simple as that.
LifeLock Identity Theft Prevention - Save 10%
LifeLock prevents Identity Theft. They prevent unauthorized use of your credit and personal information. Period. Working together with the four top national credit bureaus, LifeLock ensures that you're contacted to approve every credit transaction before it takes place. Additionally, LifeLock proactively removes your name from pre-approved credit card offers and junk-mail lists - that's where identity theft often gets started.
LifeLock Identity Theft Prevention is the Leader in proactive identity theft protection and prevention. You may have seen programs about LifeLock in the Wall Street Journal and Chicago Tribune, MSNBC, CNN, and many other national news outlets - they have been talking about LifeLock for some time now.
If your credit and personal information isn't proactively protected, you're at serious risk of your personal information being stolen by sophisticated criminals who can do your credit and your life much harm. Don't be a victim! Forget about waiting until someone steals your identity and your personal information - ruining your life. LifeLock can set up a very affordable, guaranteed system of proactive identity theft prevention for you right away.LifeLock Identity Theft Prevention - Save 10%
Click Here For More Details."

Tags:identity theft prevention and protection

OnlineCreditProfessor.com-Credit Repair Agencies Can Help Improve Your Credit Score - Identity Theft Prevention

OnlineCreditProfessor.com
Credit Repair Agencies Can Help Improve Your Credit Score - Identity Theft Prevention
Excellent advice for determining if you need to use a credit repair agency to fix your credit.
This entry was posted on 2/12/2007 8:55 AM and is filed under Credit Repair,Credit Report,Bad Credit,Credit,Credit Score,Identity Theft.
Credit Repair Agencies Can Help Improve Your Credit Score - Identity Theft Prevention
"There are so many negative consequences to having bad credit. With bad credit you will have difficulty receiving credit, pay higher interest rates, and have difficulty getting employment or an apartment. In addition, bad credit can make it more difficult to obtain insurance, and with bad credit you will usually pay higher premiums.
There are several options avaiable for fixing your credit report ; however, we recommend that you speak to some experts before you decide on which course of action to take. Some of the better credit repair agencies are law firms who specialize in credit and credit repair.
New laws allow you to obtain at least one copy of your credit report from the three credit reporting agencies once per year for free. Start there first. The three credit bureaus are Equifax, Experian and Transunion. Get copies of your credit reports from each agency, and go over them with a fine-toothed comp for mistakes.
Make a list of any mistakes you find and send that list to credit bureaus. You are also looking for any fraud related activities. You'll find the instructions for doing this listed on each credit report. If there are any negatives items listed on the report whether you are liable or not, dispute them as well. If the creditor does not respond within 30 days, these negatives listings can be removed.
There are credit repair companies that will do this for you. Some credit repair services offer “No Risk” money back guarantees if negatives are not removed. You may only have to pay if negative items are removed.
There are also services available to monitor your credit and your identity. They notify you when any changes occur in your credit record and provide you free credit reports. In addition, services to protect your identity can prevent identity theft , the fastest growing crime in the US.
It is well worth your time to investigate and guard your credit. This could save you a lot of headaches in the future. "
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Tags: bad credit report repair, identity theft prevention, improve credit score

American Chronicle: Get Control Over Your Own Credit Repair!

If you are tired of living with bad credit, get control over your credit report now. There are many organizations available to help you succeed in repairing your bad credit.

American Chronicle: Get Control Over Your Own Credit Repair!
Get Control Over Your Own Credit Repair!
Sarah Dinkins

Sarah Dinkins is an expert loan consultant where she helps people to repair their credit and to get approved for home loans, unsecured personal loans, student loans, consolidation loans, car loans and other types of loans and financial products.
February 1, 2007
"If you are having nightmares due to your bad credit, if you are you looking for credit repair services, you will find many people and companies claiming to aid those with bad credit to recover their ability to get finance. They’ll tell you to leave it all in their hands and that is the worst thing you can do. Even with those companies that actually do what they promise, you need to exercise some control over their procedures as what they do can affect your credit.

Those who guarantee to save your from your financial problems and credit misfortune, usually make many claims in order to appeal to customers. However, not all those claims are true and in some cases they could be considered false advertising. If you have bad credit and you seek finance there are many things you can do before requesting a credit repair company’s aid.

Get In Charge
To improve your credit report and to save money you have to take care of your own credit situation.

Truth is that there is no fast solution to the bad credit problem. Credit repair companies do not have magic powers to improve credit. What they can do is to provide you with assistance and teach you what to do and how to do it. But the process of credit repair with or without a company’s aid will last at least a couple of years before you can obtain a good credit tag.

Credit Repair Agencies
Genuine credit repair agencies start by obtaining your credit report and teaching you how to correct inaccuracies if present. This is a very simple process and you can do it yourself as well. You’ll become familiar with your credit report and you’ll be able to fix future problems in a more expeditious way.

A New Hope
There are many other agencies, besides the credit repair companies that can help you recover from bad credit. There are even non-profit organizations that are specialized in helping people undergoing financial difficulties to recover their credit and recover from problems related to lack of finance.

There are many lenders willing to consider only the last records on your credit report and if those records show a significant improvement, they may be willing to offer you a loan with very reasonable terms. So, if you can keep an impeccable credit behavior for a couple of months and avoid late and missed payments, chances are that you will be able to get approved for a loan so you can fix your debt problems and start rebuilding your credit by paying the monthly installments on your new loan in a timely manner.

If you feel that you can’t do this on your own, there are many ways of obtaining counseling and guidance. Just search the net for credit repair and credit advice
and you’ll be able to get contact information of commercial and non-profit organizations."

If you are serious about repairing your credit, start now. It may take a while, but you will be surprised at how you can fix your financial problems over time, and take control of your credit. Sponsors of our site include: Lexington Law - Credit Report Repair and
Ovation Law Credit Report Repair . Both are highly regarded credit repair agencies that may be able to help you through the credit repair process- and end the stress!

Tags: credit repair services, credit report,

Credit Repair For Dummies - Book Review

Stephen Bucci has written the ultimate guide to do-it-yourself credit repair, Credit Repair Kit For Dummies (Paperback). It is full of the tools and tips for fixing bad credit.

"Good credit. Bad credit. Damaged credit. Repaired credit. No matter how you define it right now, credit is a big part of your life..." You don't have to let your credit rating and credit score suffer needlessly from errors or outdated information. Use the tools and tips for fixing a bad credit report provided in the Credit Repair Kit For Dummies.

Bad credit reports can hurt your chances of qualifying for loans and credit cards, can prevent you from renting an apartment or landing a job, and also play a big part in whether or not you can get insurance, and how much you will pay for it. Credit Repair Kit For Dummies is the only guide you'll need to manage your credit — from fixing clerical mistakes on your credit report, to improving your credit going forward, to establishing manageable payment plans with your creditors.

In this credit repair guide you'll discover how to:

• Protect yourself from identity theft
  
• Improve your credit score
  
• Assert your rights under the FACT Act
  
• Maintain great credit
  
• Investigate your legal options

Credit Repair Kit For Dummies is the consumer's easy to use guide to fixing any credit problem. Bad credit can hurt a consumer's chance at qualifying for a mortgage, business loan, or other financial help, but fixing bad credit can be difficult for anyone who doesn't understand how credit reports work. Fortunately, Credit Repair Kit For Dummies covers everything you need to know about credit, helping consumers address their credit problems, pay down their debt, and get their finances on the right track. This kit gives readers a step-by-step process to repair credit problems and clean up a messy credit history themselves. You'll also learn how to fix credit report mistakes and deal with credit granting entities.

Tags: do it yourself credit report repair, Fair Isaac, identity theft

OnlineCreditProfessor.com - Applying for a Loan? What To Do If You Have Bad Credit

Here is some good advice about what to do before you apply for a loan from Suzanne Busby at OnlineCreditProfessor.com. Even if you have bad credit, you have options when looking for a loan. You should start the process at least 6 months before you want to apply for the loan.

OnlineCreditProfessor.com - Applying for a Loan? What To Do If You Have Bad Credit
"Applying for a Loan?--Start by Ordering Your Credit Report Now!
If you are considering applying for a loan, whether it be a mortgage or auto loan, ordering a copy of your credit report may well be the best place to start. Why? Because it’s the first thing a potential lender will be looking at, and even if you pay your bills on time, you will want to ensure that all the information in your credit report is up-to-date and accurate. Studies have shown that many credit reports contain inaccuracies that could affect your credit rating, and even lead to the rejection of your loan application. So, reviewing your credit report before applying for a loan may be a good idea, giving you time to dispute any negative or inaccurate items that may be the result of simple human error or a technical glitch. (For more information on loans, credit reporting, credit repair, identity theft, and many other financial issues, go to the OnlineCreditProfessor.com Blog.)
Depending on whether you are applying for an auto loan, a mortgage loan, or a loan for business or personal use, various lenders apply different standards in rating your credit worthiness. For this reason, obtaining your credit report and understanding how your credit history might be interpreted may give you a chance to clean up your credit report from the point of view of a lender. "

Check your credit report for clerical errors, unused credit, and late payments. In addition, avoid unnecessary inquires on your credit report, and make disputes for any inaccurate or fraudulent entries on your credit report. For more information, go to OnlineCreditProfessor.com.

Tags: bad credit, credit repair, credit report,credit score, mortgage loan, identity theft