Self Help Credit Repair - Save Money and Boost Your Credit Score

Today your credit score is more important then ever. Not only does it affect your ability to secure financing for a home or automobile it is now used to determine things like insurance rates and employability. Because of this trend the demand for methods that can improve a persons credit score have increased dramatically. Self help credit repair has been at the forefront of this demand.

Credit repair is an attempt to raise a credit score by removing negative and false information from a credit report. The dispute process is done directly with the credit reporting agencies. The dispute process can easily be done with written letters sent via US mail or online at the reporting agencies websites. Many people feel they need to hire a professional credit company to do their credit repair for them because they feel that the company may do a better job or know inside trade secrets. The downside to using a company for your credit clean up is the the fees charged can range from a few hundred to a few thousand dollars and in most cases are non refundable and have no guarantee of actually raising your fico score.

However a simple thing overlooked by many people that need to improve their credit score is that they can actually do credit repair on their own quite easily and inexpensively. All self help credit repair requires is a little time,effort and a little basic knowledge of the dispute process. The best part of doing it yourself is that if you implement the same strategies as the professional companies you have the same chances of derogatory account removal as the company would but for a lot less money.

When it comes to cleaning up your credit report you basically have two choices. You can spend hundreds or thousands of dollars with a company with no guarantees. Or you can choose to save money and invest your time and effort in a self help credit repair campaign.

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How To Remove Wrong Info From Credit Report

How to remove wrong info from credit report is one of the first things you need to know if you want to improve your credit score.

If there is incorrect information on your credit report it should be simple to remove, but sometimes it can be a long process. The most important thing is to be patient, persistent and business like. Do not give up, but do not write angry letters either.

There are two kinds of information that may be showing wrongly on your credit report. There may be mistakes in either your personal details or the financial information. The way that you deal with both of these is the same.

1. Write to the credit bureau setting out exactly what is wrong and enclosing proof of the correct information. Keep a copy of everything that you send.

2. Ask them to provide a new credit report so that you can see the corrections have been made.

3. Send everything by certified mail. Ask for a receipt and keep it. You may need to prove they received your request on a certain date (see step 5).

4. If they have not replied to you with the correction made, after a while you can write again referring to the date of your previous letter and the date that you know they received it.

5. By law they must make the correction within 30 days of receiving your letter, if everything they needed was in there. If they ask for more proof, send it by certified mail and keep a copy again.

6. If they do not correct the information within 30 days of receiving all the information they requested, you can file a complaint with the Federal Trade Commission. You will need to provide copies of everything that you sent. Make new copies so that you always keep a copy yourself.

At the same time, you will want to check your credit report with the other two credit bureaus. They may be showing the same mistakes, and just because you had it corrected on one report does not mean it will be corrected on the others. You can check your credit report once a year with each bureau without it reflecting badly.

When you write to a credit bureau, you may be real angry about the mistake which could be causing you big problems financially. It is important to stay very cool. Imagine you are acting on behalf of somebody else, not doing this for yourself.

The more quickly you need to have the mistake corrected, the more important it is to be business like. Remember that the person who deals with your request is probably not the same person who made the mistake originally, so you should not blame them. They will be much more willing to help you out if you are polite.

Keep in mind that you do have the right to have your credit report corrected and it should be a simple process that will only cost a few dollars for certified mail etc, if you do it yourself. If you have trouble getting the right tone in your letter, you may find it helpful to consult a credit repair company who will know how to remove wrong info from credit report.

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How to Increase Your Credit Score With Tradelines

With many consumers today suffering from to much debt and bad credit many companies have started to appear on the market promising to show you how to increase your credit score with tradelines. However great the advertising sounds or how many promises the companies make you should be aware of the dangers of using this method of credit repair.

The biggest concern about this method of repair is the fact that you are putting your name and social security number on a complete strangers financial accounts. Although it may not sound like a big deal at first you have absolutely no control over how the person pays there bill once you are added. If the person for whatever reason starts paying late after you are added to the account it can increase your chances for a further damaged report.

The three major consumer reporting agencies have also recently caught on to these companies and their techniques and have changed the way they determine credit scores. So paying 200-$500 to be added to someones established tradeline will really not buy you much of a score increase anymore, your money can definitely be spent more effectively.

Instead of letting a fly by night company try and sell you on how to increase your score with tradelines consumers should instead look at an affordable self credit repair kit. Repairing their credit report will allow them to not only increase their scores by removing negative accounts they will also be able to apply and be approved for their own credit accounts. The best part is that it will cost much less money and be a permanent fix instead of a short term band aid.

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Tips For Credit Score Boosting and Improvement

A low interest rate is what everyone who secures a home mortgage or loan wants to have. Not only will a lower rate reduce your monthly payments but it will save you literally thousands over the life of your loan or mortgage. Unfortunately not everyone will have access to low rates, mainly because of credit issues and low credit scores. However by using some simple credit score improvement tips you can boost your fico score to a level that will get you those low rates.

Simple Credit Boosting Tips

Increase Credit Lines- This is by far the easiest and oldest trick in the book. It involves requesting a credit line increase on your accounts in order to bring your balance to limit ratios back to around 50%. A credit score boost is very common once a credit card or store account card has a balance at or below 50% of the account limit. If you can do this to multiple accounts the results can be dramatic.

Dispute Old Information-If you have a copy of your credit report make notes of the accounts that are negatively affecting your credit score. Once you have these accounts identified you can go right to the credit reporting agencies websites and dispute the information. You can dispute anything on your credit report,even accurate negative information. If you succeed in getting some of this information removed your credit score should rise as a result.

Get Added To Good Accounts- Although this trick is not as powerful as it used to be it still works for a small increase to credit. What you do is have a friend or relative add you as an authorized user on one of their credit accounts. As long as the account has a low balance to limit ratio and is paid on time it will show positively on your credit report. This however is a risky method because if the person ever defaults or begins to pay late it will affect your score as well.

Although increasing your credit with simple tricks can be done the most important this to remember is that paying your bills on time and spending responsibly will result in long term positive credit that will help you get the best interest rates possible for you mortgage or loan.

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Only the Foolish Use Credit Repair Companies

I am sure you have seen the ads all over the Internet and television for the credit repair companies who promise to raise your score and erase bad information from your credit report in record time. Many of these services use fancy ads, hard pressure sales tactics and invent fancy titles like law firm to make you believe they provide a unique service to consumers. But do you really have to hire a credit repair company to clean up your credit? The answer is quite simply no.

Besides charging huge fee's and offering no guarantees on their services credit repair companies are doing nothing special that you could not do on your own. The companies may claim that they have special connections or use little know laws to make negative items disappear from your credit report. The facts are that all the are doing is simply disputing information with the credit reporting agencies,and charging a lot of money to do so.

Although the process of credit repair is quite easy, there is like anything a right way to do things. If you purchase a good self credit repair kit you should have a step by step blueprint laid out before you on how to start down the road to better credit. A good DIY kit will also give you the needed templates to properly write a dispute letter as well as addresses of where to send those letters. Another important part of the process is knowing what to do when your disputes are answered and how to properly follow and re-dispute verified information. All this information and more is always included in a good kit, many of which can be downloaded right to your computer.

If you have bad credit and want it fixed do yourself a favor and invest a small amount of money in a good credit repair book or kit and save yourself a large amount of money.

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Discover How to Hire the Right Credit Repair Company and Avoid Being Ripped Off

There are literally thousands of choice when it comes to picking a credit repair company. There are local companies, national companies and internet companies all promising to give you a higher credit score. But how do you know you are picking the right company for the job?

Any reputable credit repair company will have a website and a physical office. An office and website shows capital investment and a commitment to building a business. Verifying a firms physical existence is important because there are many fly by night credit repair companies that are actually people working from there homes.

Any company that asks you to participate in unusual activities such as developing a new identity or trying to use an EIN number should be avoided. Those are very deceptive and some times illegal ways of improving a consumers credit score.

If the company you are considering wants to charge you for a consultation or demands a large set up fee you should avoid that company. A good credit service will offer free consultation and only charge a minimal set up fee. The set up fee will cover the cost of the first credit report and other small expenses.

The most important thing you can do is to ask for references and testimonials. You should also ask for past clients that you can contact to verily the services that are provided. Any reputable company will be more then happy to provide you with this information.

Your credit is the most important financial asset you have. Trusting it to just anyone would be foolish and irresponsible. So always make sure that you thoroughly investigate and credit fixing service before you pay, and remember to get all guarantees in writing!

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Doing Credit Report Repair Yourself - Questions You Must Ask Yourself Before You Begin

So you have bad credit, just got turned down for another loan and decided its time to attempt some credit report repair yourself. Well it is possible to do it successfully if you have the right system to follow and the right tools at your disposal. Before you even begin your self credit repair project you have to ask yourself a few questions and answer them honestly.

How much do you want to raise your score: This is critical because raising your score 25 points to qualify for a car loan is not going to be as intensive as trying to raise it 200 points to get a home loan. Basically the higher your score needs to increase the harder you will need to work.

How quickly do you need this to happen: If you are in desperate need of better credit then you are going to have to apply yourself much harder then if your back is not against the wall. By knowing how hard you will have to work before you begin you will not be setting yourself up with false expectations.

How much time can you invest in yourself: This is probably the most important because if you are in desperate need of a higher score then you are going to have to sacrifice your time. This means maybe missing your kids little league game or bowling night. Being prepared for sacrifice is very important when doing credit report repair yourself.

Can you invest a little money in yourself: By investing a little bit of money in a good self credit repair course you will be starting off on the right foot. A good kit will include a step by step plan as well as tools that you can implement to speed up the process.

Although its not difficult fixing your credit yourself is easier with the right attitude and the right credit repair kit.

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A Credit Repair Kit Downloaded to Your Computer is an Important Step to Better Credit

During the last ten years spending with credit cards rose significantly compared to a rise in consumers income. The result is now many people have accounts that they are unable to pay and many also have late payments recorded. These delinquent accounts are very damaging to a persons credit report.

Many people in this situation would like to enlist the help of a credit repair company, but do not have the large amounts of money these companies charge. The next best thing you can do to help your financial situation is get a credit repair kit downloaded onto your computer.

The first step to getting your repair kit is to go online and research the various products available to you. A simple Internet search will yield thousands of results. However not all kits are created the same. If you shop blindly you may find that you downloaded very general information that will not help you out much at all.

The credit repair kit downloaded to your computer should contain detailed instructions on how to read your report and how to spot the negative accounts. It should also instruct you on how to dispute these accounts and give you the necessary templates and tools to do so effectively.

One of the main factors that is often overlooked in self repair kits is that they should also teach you how to understand your finances and help you avoid the same problems that got you to where you are today. Nothing would feel worse then working your way to better credit only to devastate it again a short time later.

By downloading the right credit repair system the first time around you will save yourself time, money and get you a higher score much faster then you could with a less then stellar product.

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Choosing an Electronic Credit Repair Kit - What You Need to Know Before You Shop

In todays world your credit report affects many things. Many employers are using it to determine a potential employees character, auto insurance companies are using it to determine monthly rates and as always loan companies set your interest rate by your credit score. If you have many negatives on your report then it may be time to consider getting an electronic credit repair kit to clean it up.

Self credit repair has increased dramatically in the last few years for many reasons. First the credit repair companies generally charge huge fee's for their services. These services are almost always not guaranteed. This leaves people feeling skeptical of them. Additionally many people now know that they can do themselves what the companies are charging lots of money for.

Although there are many of these electronic credit repair kits available on the internet you need to be sure you are not downloading a basic report that offers no real information. Always read the sales page and make sure you are getting a detailed plan to follow, good dispute letter templates and other valuable tools to use in your efforts. But what many kits also lack is sources to obtain credit , this is important because just deleting old accounts will not necessarily raise your score., You need to add positive accounts to your profile as well. Think of it as a two part plan of deleting the old and adding the new.

When you begin your search for your electronic credit repair kit keep in mind that not all are the same and many do not include the needed tools and information that you need to successfully clean up your report yourself.

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A Credit Repair Letter Template is Crucial For Self Credit Repair Success

Today more then ever there is a growing number of people over burdened by debt they cannot pay down. A side effect to this problem is that many consumers now have very low credit scores, this makes getting a more affordable loan to consolidate the debt they do have next to impossible.It just seems like a vicious circle to many people caught up in it.

Although there are companies that can help you increase your credit score the average cash strapped person just cannot afford to pay for this type of service. All hope is not lost because there are self credit repair kits available that can help the consumer fix their own credit report for a lot less money then a paid service charges. The decision to purchase a self credit repair kit that includes a good credit repair letter template for you to use is a critical first step towards better credit and getting a good debt consolidation loan.

The importance of a good credit repair letter template cannot be over emphasized. Without the proper formatting and all the required information listed, your dispute letter may not be properly recognized by the credit reporting agencies. An improper letter will cause many delays and prolong your credit repair process. A properly formatted letter will increase your chances at having derogatory accounts removed from your credit report.

A good credit clean up guide should have everything you need to accomplish your credit goals. However the credit repair letter template is the most important tool that you will need in your efforts so be sure that the kit or Ebook you purchase contains this very important piece of information.

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A Good 'Repair Your Bad Credit' Insider Guide Can Get You on Your Way to a Better Credit Score Fast

If you have bad credit then you are well aware of the difficulties that it can bring upon you. High interest rates, difficulty getting an apartment or good car insurance. It may even cost you a job because now more then ever employers are checking employees credit. There is however a easy way to clean up your credit if you have a good repair your bad credit insider guide.

Many people with bad credit often hire expensive credit repair companies who do not guarantee the services to do credit clean up for them. Often times these people are left with lighter wallets and unimproved credit scores. It is at this point that many people search out a way to do the credit clean up on their own. There is however a literal overload of information on this subject on the internet and just as many products begging you to buy them.

A good repair your bad credit insider guide should contain many pieces of information that will help you on achieve your goal of better credit. You will want to be sure that the manual you purchase contains an explanation of how to read your credit report and the best place to buy your credit report. You are also going to want in depth information on how to dispute your negative items and what items you should actually dispute and who to dispute them with.

Credit dispute letter templates are another valuable tool that will allow you to send effective dispute letters to the reporting agencies and maximize your credit repair attempts. Without a good dispute letter your results will be greatly diminished.

By attempting to fix your credit report on your own you will save a lot of money and have the satisfaction of knowing the work is being done correctly and in a timely manner. And by putting into use the tactics from a good bad credit repair guide you will be on your way to lower interest rates and payments.

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Free Credit Tips for People with Low FICO Scores

Your FICO score is the same as your credit score (FICO is short for Fair Isaac Corporation). Your score is based on information about you from companies that gave you credit in the past. In this article, we provide some free tips for people with low FICO scores.

The first challenge is to determine if your credit score is considered low. FICO scores range from 300 to a perfect 850. Anything under 700 could stand a some improvement. After all, your credit score determines how high an interest you'll pay on your loans, credit card balances, and your home mortgage. The higher your score, the lower the interest rates you'll be offered.

Free tip #1. Monitor your credit report. You can get a free copy of your credit report every 12 months (go to annualcreditreport.com). But since there are three major credit reporting bureaus (Experian, TransUnion, and Equifax), if you request a report from one of them every four months, you will be able to monitor your reports over the course of a full year. The purpose of monitoring your credit reports is to look for any inaccurate information and then work with the credit bureaus to get it removed.

Free tip #2. Pay down, but not off, your credit balances. Your FICO score will improve as you start paying down any large balances on your credit cards and other debts. But here's the tip: do not pay off the entire balance. Leave a relatively low balance to demonstrate to potential new lenders that you can handle credit in a responsible way.

Free tip #3. Secured credit cards can help. If your FICO score is too low, you probably have trouble getting a credit card. There is a type of card, called a secured credit card, that you can obtain - for a price. Secured credit cards typically require a cash deposit. For example, if you put $500 in your secured account, you can charge up to $500. So, why not just spend the cash? The answer is that using the secured credit card will raise your credit limit, and help your credit rating. But shop around for the best deal - some secured cards have high fees.

Free tip #4. Get a sub-prime merchandise card. If the question is "how can I get raise my high credit limit," then sub-prime merchandise cards may be the answer. These are nothing more than a card attached to a line of credit that allows you to buy merchandise from a specific vendor. You're required to put down a deposit on whatever you purchase, and the remaining balance is financed on the card. This new line of credit is reported to the credit bureaus, and your credit score will reflect this good news.

Free tip #5. Try the "piggyback" method. If you are a married woman with a low FICO score and your husband has good credit, read on. You can leverage his credit with the piggyback method. It lets you build credit in your own name, and at a much faster pace than if you had to build it all by yourself. Have your husband add you as an "authorized user" or "secondary account holder" to his account. You may find his entire account history gets posted to your credit report. However, the creators of the FICO score have announced they are changing the way their scored models treat "authorized users," so don't expect miracles.

If you take the time and effort to apply some of these free tips, you will be rewarded with better credit, and a more comfortable lifestyle.

3 Ways to Get Your Credit Report

If you will be getting a car loan or applying for a home mortgage anytime soon, it is critical that you know what is in your credit report. After all, the first thing your potential lenders will do after you apply for a loan is to check your credit report to see if you are "credit-worthy." The better your credit history, the lower the interest rate you will be offered. In this article we will provide three, easy ways to get a free copy of your credit report.

First off, you actually have THREE credit reports, each published by one of the three major credit reporting bureaus, TransUnion, Equifax, and Experian. Your past and current lenders provide information about your credit history to each of these three bureaus. The bureaus package this information into your credit report, and generate a resulting credit score. The good news is that, by law, you are entitled to free copy of each of your credit reports each year.

There are three ways you can get your copy:

#1: Online. The three credit reporting bureaus jointly sponsor a website specifically for the purpose of providing copies of your credit report. Well, actually the real purpose is to sell you additional services. More about that in a minute. Go to AnnualCreditReport.com, and click on the Request Report button. You'll have to provide a little personal information, but you'll be rewarded with a copy of your credit report instantly. A note of caution: there are a lot of other websites with similar names that will try to sell you a copy of your report. AnnualCreditReport.com is the only "official site" sponsored by the credit bureaus. Yes, they will try to sell you credit monitoring services, your credit score, and a variety of other "services," but you don't have to buy them in order to get a free copy of your report.

#2: By phone. You can also call the credit reporting bureaus to request a copy of your report. The number is 877-322-8228. They will take you through a verification process over the phone. But don't expect to see your report any time soon. In fact, they say they will "mail the report within 15 days. Allow 2-3 weeks for delivery."

#3: By mail. The third way to request a copy of your credit report is by mailing a form to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. They ask that you use a specific form available on their website (AnnualCreditReport.com), and once they get your form it will take a month or so before you get your report. Since you have to go to the website to get the form, you might as well request the reports online - it is certainly a lot faster.

Since you can get ONE free copy each year from each of the THREE credit bureaus, if you space out your requests (one request every four months), you can monitor your credit reports over the period of a year, all for free.

Five Simple Steps to Fixing Your Credit

Let's be honest. Some credit problems are complex, and require sophisticated solutions that may take months or years to have an impact. But, if you have just a few blemishes on your credit report that have lowered your credit rating, then there are some immediate actions you can take.

Step #1: Start paying down your debt. Set aside some money every month to pay off more of the balance you're currently carrying on your credit cards. Even if it means not taking a vacation or eating meals at a restaurant less often, the more extra cash you can apply toward your debt right now the better. But, don't pay off your cards each month-it's actually better to leave a little balance so the lenders know you can handle credit.

Step #2: Get copies of your credit reports. All three of the major credit bureaus must, by law, provide you with a free copy of your credit report each year. This is your chance to look for inaccurate or outdated information and get it removed. Any new lender (and some insurance companies and even potential employers) will order a copy of your credit report before doing business with you, so you want your report to be as glowing as possible.

Step #3: Pay your bills on time. After you've gone to all the trouble of cleaning up your past credit hassles, please don't create new ones! It's more important than ever that you pay every bill on time. Just one "late-pay" reported to the credit bureaus will undo all the good work you've done, and your credit score will suffer as a result.

Step #4: Increase your line of credit. If you add together all the credit limits offered by your lenders, you'll have your line of credit. There are a couple easy ways to raise your credit limit. Try simply calling some of the credit card companies with whom you've had an excellent payment history and ask them to raise your credit limit. You'd be surprised how often that works. You can also secure one or two new sources of credit, but be careful. You don't want to litter your credit report with too many new credit cards (lenders get suspicious), or tempt yourself to buy more than you can afford.

Step #5: Pay with cash. Once you've gotten your finances under control you can keep them that way by paying with cash. That ensures that you're not spending money you don't really have. Living on a "cash and carry" basis might well mean a better standard of living down the road. I know what you're thinking... where does all this cash come from? See step #1 above. In may be painful in the short term to forgo your vacation or that new HDTV, but in the long term it's the really big purchases, like a home or car, that will benefit from your better credit rating.

If you're considering getting a new mortgage or car loan in the next year, now is the time to start fixing your credit. Every bit of negative information you can get erased from your credit report will help raise your credit score and lower the interest rates you'll be offered. Get busy!

Three Signs That You Are In Need of Credit Repair

It is happening all around you. Your next-door-neighbor may have to file for bankruptcy protection. The family across the street is in danger of losing their home to foreclosure by the bank. Your brother-in-law can't get a decent interest rate on a car loan. But you certainly don't have any credit problems. Or do you In this article we will spell out three signs that you are in need of credit repair, and provide some solutions that work.

Sign #1 Your credit score. You've heard about the importance of credit scores. You knew that everything from the interest rates you pay to your insurance premiums are based on them. But you thought that your credit score was just fine. After all, it is a nice round number, 600.

That is not a good credit score, and is a sure sign that your credit is in need of repair. In fact, any score under 720 could use some improvement. Credit scores range from 300 to a perfect 850. The three major credit bureaus (Experian, Equifax, and TransUnion) collect information about you from the companies that gave you credit in the past, and then write up a report. Your credit score is derived from those reports. The higher your score, the less risk you pose to lenders and the more likely it is that you'll get their best available interest rates.

Sign #2 Negative items on your credit report. It's been over a year since you were late with a credit card payment. Certainly, your credit report has improved since then. Just to make sure, you get a copy of your credit report, and those old, late payments are still shown as negative items. Why

If you don't take action to clean up your credit report, those old negative items will linger for up to 18 months on your credit report. And each negative item will drag down your credit score.

Sign #3 Trouble getting a decent car loan. You've just gotten a new job that pays more than you've ever made before, but it will require a longer commute than your old car can handle. You're at the car dealership, ready to close on the new car you deserve (and think you can afford). You're sitting in that little room with the dealership finance guy, and he's handing you the pen to sign the new car loan. But wait, those payments are higher than they should be. The reason you are getting socked with a much higher interest rate because of your credit report. Now you're stuck. You need the new car to make it to your new job, so you sign the loan papers. Ouch!

These are all signs that you are in need of credit repair. A little time and effort spent on cleaning up your credit report will pay off big time. Depending on your abilities and the severity of your credit problems, you should be able to tackle the repair effort yourself. If not, there are reputable credit restoration companies who will work with you (for a fee).

Be alert for the signs that your credit is in need of repair, take action immediately, and enjoy the financial rewards of a higher credit rating.