Clean Up Credit to Get the Best Rate Mortgage

If you are planning to buy a home, or if you need to refinance your current mortgage, take a look at your credit score first. Unless your credit history is spotless, your most likely won't qualify for the lowest mortgage rates.

Whats your score? You are entitled to one free credit report each year from the three major credit agencys. Get your credit report and check it carefully for any inaccuracies, or problems. You may request other reports that include your FiCO credit score.

How is a FICO score calculated? According to Fair Isaac, the follow factors go into creating your credit score:

• Payment History: 35%
• How much owed: 30%
• Length of credit history: 15%
• Applictions for new credit: 10%
• Types of credit used: 10%

Clean up your credit, or face paying much more in interest rates than those people who have bad credit. If you need help, contact a reputable Credit Repair agency such as Lexington Law. IN most cases, they have the experience and resources to help you repair your credit score faster than you may do on your own.

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

What the Credit Crisis Means for Borrowers

What the Credit Crisis Means for Borrowers

The current credit crisis is making it increasingly difficult to obtain credit if your credit score is below 700. While there are ways to improve your credit score, it does take some time.

A few of the best ways to improve your credit are to: 1. pay your bills on time every month; 2. don't use more than 30 percent of your available credit; 3. don't make credit applications that you don't really need; and 4. check your credit report for errors and dispute them immediately if you find any . Just remember, it will take many months to improve your credit score - you must be patient.

What if you don't have months to wait on that new home or car? Talk to a reputable credit repair agency for help. Often, they can help to take negative and erroneous items off your credit history to improve your score in a relatively short period of time.

Lexington Law Firm is one such agency that help you repair your credit - even if you have a bankruptcy on your history they can usually help.

Don't wait - if you have been denied credit or know that you have poor credit - let Lexington Law Firm help you today.


Tag: What the Credit Crisis Means for Borrowers

Credit_Reports_Without_Credit_Card_Required

Credit_Reports_Without_Credit_Card_Required

You don't have to have a credit card to obtain a copy of your credit report. You may obtain a free credit report from each of the three major credit reporting agencies, Equifax, Transunion, and Experion, one time each year at http://www.annualcreditreport.com.

Did you know that most credit reports contain errors? It has been reported that between 70-90% of all credit reports contain at least one error! It is important to check your credit reports regularly to be certain that they do not list erroneous information about you. If you find errors, dispute them immediately. Just follow the instructions as to how to make a dispute that each of the credit bureaus will give you with your credit report.

If you find that you have bad credit, take the time to do what it takes to fix it. Other posts in this blog spell out in detail what you must do. If you are in a hurry, or if your credit is so bad that you really need legal help, contact a reputable credit repair service such as Lexington Law. They can legally remove negative items from your credit report!

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

Tag: Credit_Reports_Without_Credit_Card_Required

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

Special Offer - Identity Theft and Credit Repair Software from Amazon

Learn how you can take a bite out of the largest growing crime in America today...IDENTITY THEFT! Plus, learn how easy it is to repair your own credit, how to consolidate your credit debt and how to do your own bankruptcy. Includes 200 legally binding forms plus course materials.

Don't miss out on this special offer from Amazon.com. The regular price on this software is $19.95, but you can order it now for $5.83.

Isn't protecting your identity and repairing your credit worth the $5.83? Click here to order now! Personal Identity Theft Protection & Credit Repair

Tags: identity theft prevention credit repair software

Credit Repair and Buying a Home

Credit Repair and Buying a Home

If you are considering buying a home - stop! Before you do anything else, get a copy of your credit report. You can obtain a free copy once each year from AnnualCreditReport.com.

Why get your credit report? Well the fact is that most credit reports contain erroneous information which, in some cases, may affect your credit score negatively. It is very important to check your credit report very carefully, and if you find errors, dispute them immediately with all three of the national credit bureaus. It can take 30 days or more to get erroneous items deleted from your credit history.

Your credit score is used to determine the rate of interest that you will pay for the mortgage. Erroneous or negative items listed on your credit report could bring that score down considerably, costing you thousands of dollars over the course of the mortgage. You can improve your credit score; however, it can take some time, so start early.

Credit repair and buying a home are definitely tied. Even if you think you have very good credit, be certain. Check your credit report because may people have been victims of identity theft, affecting their credit horribly, and they don't even know it.

So, before you start looking for a new home - get your credit report in shape.

Tags: Credit Repair and Buying a Home

Do-it-Yourself Credit Repair

Do-it-Yourself Credit Repair

Do-it-Yourself credit repair to improveyour credit score takes a conscious effort on your end. There are several factors that affect your credit score; improving the score requires you to take care of the most important of those factors so that you can manage your credit better, and improve your score. Follow some simple steps to improve your score and your credit history.

Improve your payment history:

• Avoid making late payments on your bills.
• Pay off all your past-due bills as soon as possible.
• Request an alternative plan with low monthly payments from your creditor if you need help.
• Negotiate with your creditors to remove charge-offs from your report and re-open those accounts.
• Request that your creditors erase late payment entries after you re-start paying on time.

Reduce your outstanding debts:

• Pay off high interest debts first.
• Keep your balances low and try to keep your revolving debt to 50% of your available credit.
• Don't close old and unused accounts quickly in order to lower your available credit. It will raise your debt-to-credit limit which has a negative impact on your score.
• Try to close accounts gradually over several months.
• Verify that the accounts closed are reported as "closed by consumer".

Improve Your Credit History:

• You should not open several new accounts within a short period of time.
• Adding too many accounts in a short interval implies that you are not able to manage your credit properly.

Manage new credit efficiently:

• Restrict yourself to a medium credit limit and not a higher one as your creditor suggests.
• Do not open too many new accounts if you have gone through credit problems in the past.
• Plan your budget taking into account your finances and credit.
• Avoid several credit inquiries within a short period; otherwise it would mean that you are about to open multiple new accounts and this will affect your score.

Use a proper mix of credit:

• It is better not to have too many installment loans as they can reduce your score. This is because the payments remain unchanged until you pay off the balances.
• You can have a combination of credit cards and installment loans or loans with fixed payments as they help in improving your score. But you need to handle your credit cards efficiently.You can also contact a credit counseling agency for tips on managing your debts. These agencies are different from the credit repair companies and they can guide you on how to improve your financial situation.

Once you have worked through the various factors influencing the credit score, try to maintain a stable credit report with the latest details. Check your credit report periodically for errors and problems. A few simple steps will help you in this regard.

• Request your creditors to send your account details and payment history to the credit reprting agencies.
• Create a savings account at your bank. Your creditors will be convinced that you have started to save and maintain extra funds to pay down your debts.

Besides practicing good payment habits and updating your credit report, you should look at removing any errors from your report. This will also help you to get a better score. When you request your credit report, the credit bureau will give you detailed instructions on how to file a dispute. Do so right away if you find errors.

Tags: do-it-yourself credit repair

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

OnlineCreditProfessor.com - Improve Your Credit Score

OnlineCreditProfessor.com - Improve Your Credit Score
"Understanding Your Credit Score
What does your score mean?
This credit rating system is meant to develop a snapshot of the risk you currently represent to a potential lender. Several factors in your credit file, including length of credit history, number of open accounts, loans, mortgages, public records, and others are calculated to produce a three-digit score between about 300 and 950. While there are other scores used by lenders and insurance companies (some of which were developed by FICO) such as Application and Behavior scores, these other scores take other information into account. Most often a lender will use a combination of your credit score with several other factors when determining your credit risk. However, they all have the same objective, to determine the potential risk of a particular borrower. Whether the score was generated by FICO or another system based on FICO parameters, they all formulate an industry standard three-digit score. This credit score places the borrower in one of three main categories (we named the third one ourselves.) For up-to-date information on credit reporting, credit repair, identity theft, and other financial issues, go to the OnlineCreditProfessor.com Blog.
Get your Credit Score and Credit Report Now!
Prime, sub-prime, and shafted
Prime: If your credit score is more than 680, you are considered a "prime borrower" . You'll have no problem getting a good interest rate on your home loan, car loan, or credit card.
Sub-Prime: If your credit score is less than 680, you are "sub prime", and will most likely pay a much higher interest rate on your loan.
Shafted: Below 560 is the shafted credit score, or that is how most lenders and credit issuers think of it. You may still get a credit card but you will likely be hit with a security deposit or high acquisition fee. Also, your interest rate will likely be 22 to 23%. Forget about most home loans and the majority of new car loans at this score. Below 560 is not where you want to be. At this level, you will pay much, much more in higher interest and unnecessary fees. In addition, you may even pay more for your insurance rates, and a very low score can even prevent you from getting a job with many companies. If you're in this category Click here for help.
How are credit scores calculated?
The methods of formulating your FICO score may differ slightly depending on the credit bureau. When requesting your score from one of the Credit Bureaus it is important to understand that your score does not come directly from FICO. It is unique to each bureau and is given its own name: Equifax uses "Beacon", Trans Union uses "Empirica", and Experian uses "Experian/Fair Isaac." These credit scores are also referred to as your "Bureau Scores."
Since your score is derived from your bureau data statistics, the score will change every time your report changes. However your score is calculated, it will always take into consideration many different categories of information. No one piece of information, item, or factor determines your score. As the information in your credit report changes, the importance of one or several categories or factors may change in your FICO score. Potential lenders look at many things when making a credit decision, including your income and the kind of credit you are applying for. Your FICO score does not reflect these other facts as it only evaluates the information retained by the credit reporting agencies.
Learn more.
What factors affect your credit score?
There are five major factors used in credit scoring calculations that determine your overall credit score.
Previous Credit Performance (Payment History) weighted 35%. A potential lender wants to know what your prior payment history is like. Have you paid everything on time, are you late on any payments now, and so on. Your payment history is just one factor used in calculating your score, but it can be the very important.
Current Level of Indebtedness (Amount Owed) weighted 30% How much credit is too much? Can the borrower pay the lender and still afford to pay his or her other bills? When you have available credit it can actually help your ratio of debt to available credit. These are the types of questions that most lenders want to know and the answers are almost as important as your previous credit history.
Amount of Time Credit Has Been In Use (Length of Credit) weighted 15% Generally, the longer the credit history the better your credit score. However, this item only makes up 15% of your total score so even young people, students or others with short histories can still score well overall as long as the other factors are good. If you are new to credit there is little you can do to improve this part of your score, just open an account and be patient.
Pursuit of New Credit weighted 10% Credit is more popular today than ever before. Just look at the number of credit card and loan offers you get via the Internet and in the mail. Consumers can now shop for credit and find the best terms to meet their financial needs. Every time someone runs a credit check on you, it creates an inquiry.
Fair Isaac has changed some of its calculations to account for these trends - specifically, they will treat a group of inquiries - which probably represents a search for the best rate on a single loan - as though it was a single inquiry (note: this only applies to auto or mortgage loan inquiries.) For example, auto loan inquires within 14 days of each other only count as one inquiry.
Types of Credit Experience weighted 10%. Lenders are looking for a healthy mix of different types of credit accounts, installment loans, retail accounts, credit cards, and mortgage. While this factor is not normally a key element in determining your score, it can help a close score. It is not a good idea to try and open different types of credit accounts just to try and make this factor better, as it will likely reduce your score in other areas. Never open accounts you don't intend to use.
The type of credit accounts you have, and how many, can make a big difference. The optimal ratio of installment accounts versus revolving accounts depends on your profile and differs from person to person. One factor that appears to have significant influence on your credit score is your percent of open installment loans. Too many open installment loans can lower this portion of your score. For more information Click here
Improving your credit score
Now that you know how your credit score is calculated, you can begin making changes to your current financial planning. The best things you can do to improve your score are simple.
Pay all your bills on time. While it sounds simple, this is the most important thing you can do to keep your score high. Delinquent or late payments and collections have a major negative impact on your credit score.
Keep balances low on unsecured revolving debt such as credit cards. High outstanding unsecured balances can negatively affect a score. In addition, the amount of your unused credit is an important factor in calculating your score.
Only apply for credit that you really need.
Make sure that all the information listed on your credit report is correct. If it is not correct, dispute it with the credit agencies and/or with the creditor directly. Removing negative items on your credit report has the largest impact on your FICO credit score. Generally, negative items stay on your reports for at least seven years, but you can hire a professional credit report repair service such as Lexington Law Firm to repair your credit for you. While you can try to understand the laws and repair your credit yourself, we have found it's much easier to have a professional do it for you. We strongly recommend using Lexington Law Credit Report Repair, they are the industry leaders in credit repair, and they have a proven track record of removing negative items (even bankruptcies) from credit reports permanently."

Tags: improve your credit score, 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

OnlineCreditProfessor.com - Is Credit Repair Legal?

OnlineCreditProfessor.com
Is Credit Repair Legal?

"This entry was posted on 3/12/2007 8:43 AM and is filed under Credit Repair,Credit Report,Credit Rating,Credit Score.
Is Credit Repair Legal?Credit repair is the process of re-establishing or restoring your credit. It can also be a method of improving your credit score. Is it legal? Yes, of course it is legal. The methods of credit repair that we recommend are totally legal, and can help you greatly to save money over time.Let's take a look at what is necessary to repair credit. First, you must obtain a copy of your credit report. This is easy. You are entitled to a free credit report once each year from each of the major credit bureaus. Go to http://www.annualcreditreport.com/ for instructions on ordering your credit reports. You can even access them online. Next, check your credit reports carefully for any clerical errors such as payments posted as late that were not late, and especially for any credit accounts that you did not open. Any accounts that you do not recognize could be a sign of identity theft. Check also for incorrect address information, and any other personal information about you that is not correct. Each of the credit reports will supply you with information as to how to dispute any erroneous information or listings on your credit report. DO IT, don't wait until you need a loan, mortgage, or credit card. Dispute any erroneous items immediately, especially if you think you have been a victim of identity theft.Finally, take steps to Clean Up Your Credit Report. Pay your bills on time each and every month. Don't open credit accounts that you don't need, and use your credit wisely. Be careful to spread your purchases among your credit accounts so that any one account does not use more than 30 percent of your available credit. Do this over the next 6 - 12 months, and watch your credit score improve. You can repair your credit, but it takes time. For anyone who needs faster results, or help due to extremely bad credit, don't hesitate to contact a reputable credit repair service such as Lexington Law. They offer Legal Online Credit Repair, with guaranteed results. You don't have to live with bad credit. Now is the time to get your finances in order, and start down the road to improved credit and credit scores. The benefits of good credit are well worth it."
Tags: legal credit repair, improve credit score

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.

Southern California InFocus - Understanding credit scoring and credit repair

Southern California InFocus - Understanding credit scoring and credit repair


"Understanding credit scoring and credit repair

By Uzma Afzal
This article is intended to provide information to all people trying to improve their credit score, including those seeking a riba free loan. Credit remediation is a subject consumers often face with fear and trepidation, and for good reason. With the exception of recognizing that the best score wins, the average home shopper knows very little about the whole credit scoring process. Sub-prime borrowers who are eager to move into A-Paper territory often find themselves at a loss when trying to find ways to upgrade their credit history. The good news is there are ways to improve less-than-perfect credit scores and obtain a loan for the home you really want.
The first step in the process is making sure that you have a current copy of your credit report. Congress recently amended the Fair Credit Reporting Act so that consumers may now receive one free credit report annually. There are three major credit bureaus: Equifax, Experian, and Transunion. Since entries can vary across bureaus, you’ll want to request a free report from each of the three companies. (Go to www.annualcreditreport.com)
It’s also important to know just what a good credit score is. Most A-Paper scores generally begin around 680, although this number may differ slightly among lenders. Don’t despair if you come up shy; there is always room for improvement. Increasing your score just 5 points can save a significant amount of money. For example, if your score is 698 and you increase it to 703, then you could save yourself thousands of dollars over time as a result of a slight improvement in your loan’s interest rate.
While credit repair is necessary for some, it’s not the only way to increase your credit score. Even if you have stellar credit, you can enhance your score through these steps:• Evenly distribute your credit card debt to change the ratio of debt to available credit. Let’s say you have a credit score of 665. If you have debt on only one card, and four additional credit cards with zero balances, evenly distributing the debt of the first card could move you closer, and possibly into, that ideal bracket.
• Keep your existing accounts open and active. The average consumer is usually anxious to close credit card accounts that have zero balances, but doing this can cause them to lose the benefits of a long-term credit history and increase their ratio of debt-to-available credit. The bottom line is don’t close those old accounts!
• Keep credit inquiries to a minimum. Each inquiry into your credit history can impact your score anywhere from 2-50 points. When it comes to mortgage and auto loans, even though you’re only looking for one loan, multiple lenders may request your credit report. To compensate for this, the score counts multiple auto or mortgage inquiries in any 14-day period as just one inquiry, so try and stay within that time frame.
Remember, credit scores don’t change overnight. Improving them requires time and diligent effort on your part, so it’s a good idea to get the ball rolling at least three to six months prior to submitting your application for home financing.
If credit repair is what you need, you can either begin the process yourself or seek out a repair service. If you decide to make your own improvements, visit as many websites as possible to get information regarding credit laws and consumer rights. Diligently search through them and educate yourself to ensure that you don’t sustain any self-inflicted wounds. A good place to start would be the Federal Trade Commission’s (FTC) website, which contains a wealth of helpful literature.
If you’re facing severe or complicated credit issues, then you’ll probably want to enlist the assistance of a professional credit repair company. Before you do, be sure to familiarize yourself with the FTC’s regulations on credit repair. With over 1,100 credit repair companies to choose from, it’s important to be certain you are dealing with a reputable firm. Examine the FTC’s information on fraudulent practices to avoid falling prey to credit repair scams. Addressing credit issues can be uncomfortable to say the least. But by taking these steps now, you’ll be that much closer to obtaining the home of your dreams.Additional Resources:
To order your free credit report, go to:
http://www.annualcreditreport.com/To read the Fair Credit Reporting Act, go to: http://www.ftc.gov/os/statutes/frca.htmlForFor the Federal Trade Commission’s information on consumer credit, go to:www.ftc.gov/bcp/conline/edcams/credit/index.html"

Tags: understand credit score and credit repair

What Is A Credit Report and Why Does It Matter

What Is A Credit Report and Why Does It Matter
What Is A Credit Report and Why Does It Matter

"We've all heard of it. We all know we have one and have probably spent a fair amount of time thinking about it, but the fact of the matter is that most people have never seen theirs. So, what is it? Our credit report. Oddly enough, even though our credit report influences just about every aspect of our financial life, most of us have never even seen ours, let alone know what our FICO or credit score is. Not only will understanding your credit report help you make important financial decisions, it can also help you see just what it is that is keeping you from getting the credit that you may need.What Is A Credit Report?A credit report is a document that includes all your pertinent personal and financial information. It will contain your full legal name, your social security number, previous and current addresses, date of birth, and current and previous employers. This information has been obtained from any previous credit applications you have filled out.This report will also include information about any financial accounts you have now or have had in the past. This will include any loans, credit cards and their credit limits, monthly bills, and so on. It will also include the names of any other persons that may be responsible for payment on these accounts.Any financial situations that you have been involved in that are public record will also be included. This means that judgements, tax liens, bankruptcies, overdue child support, etc., will also show up on this report.Inquiries are also marked on your credit report. Anytime you apply for a loan, credit card, or anything that requires an institution to request a copy of your credit report, it will be noted.What Is My Credit Score and Why Is It Important?Basically your credit score is based on a mathematical equation that evaluates all the information on your credit report. The end result is called your FICO Score. FICO stands for Fair, Isaac, and Company, the organization that developed the scoring mechanism. This score is what will be used by companies to determine whether you are a safe financial risk or not. In order to even have a FICO score, you must have at least one open account on your credit report and that account needs to have been open for at least six months.Your score is influenced by your financial history. Outstanding debts past 30 days, consistent late payments on monthly bills, and any collection action that has been brought against you will determine what your score will be. Your credit score will influence not only the decision to give you the loan or credit card, but also the amount of interest to attach to the line of credit. The higher your credit score, the lower your interest rate and vice versa.Knowing and understanding your credit report is vital to getting a mortgage, car loan, and even renting an apartment or getting a job. If you have never seen your credit report, check it out soon. There is a chance that yours may contain errors and it's critical that you get those errors cleaned up quickly."

This is a very good article to help you understand your credit report. For further information you can also see the discussion "Understand Your Credit Report" at Online Credit Professor. Suzanne Busby, the Online Credit Professor, does an excellent job explaining your credit report, and how to fix any errors or problems you may find on your credit report. In her blog, Online Credit Professor Blog, she also give advice and tips regarding how to obtain your credit report for free, as well as other relevant personal finance topics.
Tags: understand your credit report

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

Free Chapter of Credit Repair Book Now Available

Free Chapter of Credit Repair Book Now Available
"
Free Chapter of Credit Repair Book Now Available
Download this press release as an Adobe PDF document.
Consumers can download a free sample chapter of the popular "How To Get GREAT CREDIT!" e-book by going to http://www.nfan.com/99tips/.
Dallas, TX (PRWEB) February 26, 2007 -- The National Financial Awareness Network, a Dallas-based financial literacy company, is offering a sample chapter of its popular "How To Get Great Credit! Easily get the credit you need to get the loan you want" e-book. Interested consumers should go to http://www.nfan.com/99tips/."How To Get Great Credit!" is a 50-page e-book that explains how credit reporting and credit scoring works, how to obtain your credit report, how to dispute errors on your credit report and how to safeguard your credit. The e-book includes tips for removing erroneous negative information and feeding positive credit information into your credit report. Such information is vital for consumers who want to understand the credit system and benefit from the financial advantages of having good credit. "We've received great responses from our credit guide," says John Janney, president of NFAN. "We are hoping that this free sample chapter will help get the guide into the hands of more consumers who can truly benefit from the valuable information it provides." The free sample chapter is bundled with a series of 99 financial tips that are delivered for free via email. Interested consumers simply need to enter their name and email address and then click on a confirmation link they will receive via email. Once a subscriber confirms his or her email address and subscription to the 99 free financial tips, a link to the sample chapter is sent. Afterwards, subscribers will enjoy free financial tips every-other day, but are able to unsubscribe if they no longer want to receive the free financial tips. "American consumers need to become more financially literate," Janney continues. "Our series of 99 financial tips and the free sample chapter of our credit e-book will provide a lot of valuable information to help consumers be more money-savvy."Interested consumers can apply for their free sample chapter of "How To Get Great Credit!" and subscribe to the 99 financial tips by going to http://www.nfan.com/99tips/. The free chapter and free subscription requires email confirmation to prevent abuse of the offer. Subscribers can unsubscribe at any time if they no longer want to continue receiving free financial tips. "

Tags: credit repair

credit card fraud alert

credit card fraud alert
"Credit Instant Report to Prevent Identity Theft
Find credit card fraud alert Online Now!
LifeLock credit card fraud alert prevention is the only service of its sort to offer a $1 million guarantee. With credit card fraud alert protection and prevention, you can sleep better at night. LifeLock stops would be identity thieves in their tracks.
The Federal Trade Commission reports that Identity Theft has become the fastest growing crime in the US. It has become easier than ever for Identity theives to steal your personal information, and get away with it. Often, all that they need is your name and address - that'scredit card fraud alert prevention is so important.
It takes on average more than 600 hours and sometimes years to fix the damage that occurs when your personal and credit information is taken. Don't wait for credit card fraud alert to happen to you, enroll with LifeLock today.
LifeLock Identity Theft Prevention - Save 10%
How Does LifeLock Work?
LifeLock credit card fraud alert prevention starts when they set alerts on your credit reports - usually within 1 hour of your enrollment. These alerts must updated every ninety days, and LifeLock does it for you, on time. So anytime someone trys to obtain credit information, you are notified by the credit bureaus so that you may prevent credit card fraud alert.
Within two to four weeks, you receive your credit reports from the three national major bureaus: Equifax, Experian and TransUnion. Check them carefully for any clerical errors, negative entries, and especially for credit card fraud alert. LifeLock's credit card fraud alert protection continues when they re-order these reports periodically for your files, and your analysis.
They also delete your name and address from junk mail lists, so you will stop receiving pre-approved credit and your junk mail load will be reduced dramatically. Identity thieves often go through your trash to find junk mail to use for credit card fraud alert.
Unfortunately, credit card fraud alert is not the only aspect of your life in danger. You need proactive protection. Even though it may take years to repair, damage to your credit is often the easiest thing from which an ID theft victim can recover. Each and every day, all over the US, Identity theft victims find themselves arrested, denied earned entitlements, passed over for promotion, not getting hired or, worse, actually getting fired, not getting needed rental leases, not getting insurance, paying higher life, health and auto insurance premiums, facing the IRS because an audit alert has been triggered...the list is long and scary.
LifeLock credit card fraud alert and identity theft prevention service has integrity and operates within the law; however, they will have no mercy for the identity thief. That's why they guarantee their proactive service up to $1 million.
LifeLock credit card fraud alert protection. LifeLock is the only Identity Theft Prevention Service backed by a one-million dollar guarantee!
Click here to get a 10% discount at LifeLock.
Click Here For More credit card fraud alert details.".
Tags: identity theft prevention