Collection accounts can really drive your credit score down fast. To make matters worse sometimes both the original account and the collection account can appear on the same credit report. This ends up giving your credit score a hard and fast one two punch downwards.
How To Delete a Collection Account From Your Credit Report
Most people recommend that in order to delete a collection account from your credit report you try and negotiate with the bill collecting company. If you do this right they will be able to close the account down and in turn get it deleted from your report.
However most companies are reluctant to do this and will hold out for the most amount of money possible. After all their commissions is based of the amount they collect.
Another good option is to get the account knocked off of your report without having to pay any of it off. This method is called self help credit repair.This is a method were you use the law to your advantage and make the creditors do most of the work required to.
How Does DIY Credit Repair Work
When fixing your own credit you are asking through credit dispute letters for the credit bureaus to contact the companies that are reporting negative information about you. the bureaus will ask those companies to verify the information they are reporting to them.
If within 30 days they do not or will not verify it the account must be removed from your account. However if another collection company picks up the account it can be placed back onto your report.
For more information on Self Credit Repair and to learn more about a proven system that helped me boost my credit scores over 100 points in 37 days log onto http://www.creditfix123.info
Wednesday, October 28, 2009
Tuesday, October 6, 2009
37 Days To Clean Credit Review-My Review Of 37 Days To Clean Credit
Wondering If 37 Days To Clean Credit Is a Scam?
37 days to clean credit is one of the more popular self credit repair guides available today. unfortunately most of the information written about this effective credit repair kit is lacking in detail and does not really get into specifics of the program. Well I am here to change that and will give you a good review of 37 days to clean credit and hopefully you can make up your mind whether or not it is for you.
My 37 Days To Clean Credit Review
37 days to clean credit is an 80 page credit repair manual that was written by a young man named Chris Brisson. 37 days to clean credit is based around a system that Chris developed while repairing and rebuilding his own credit. The book is written in a nice easy to read style that feels like Chris is talking right to you, it is very well written and fun to read and definitely not some regurgitated information like so many of the other credit repair courses on the market today.
What Does 37 Days To Clean Credit Cover?
Below I have briefly outlined what is covered in each chapter of 37 days to clean credit, keep in mind this is just a brief overview of each chapter and not a complete breakdown but it should give you a good idea what each chapter is about.
Chapter 1- Chapter one of 37 days to clean credit covers your credit score and how your credit score affects you and your financial life. It is an interesting chapter and Chris Brisson shares with the reader a story about how he started down the road to bad credit and debt and goes over some of the popular credit repair myths and proves them wrong.
Chapter 2- This chapter explains how and where to get your credit report it includes actual screen shots to help you order your credit reports quickly and easily.He also covers free credit reports and explains the drawback to using those types of credit reports. If you have never ordered a credit report before you will be an expert at it by the end of chapter 2.
Chapter- This chapter explains how to read and understand the information that is listed on your credit report, and Chris makes it very easy with screen shots of actual credit reports. This is a critical chapter because without knowing how to analyze your credit report you will never be able to fix your own credit. By the end of chapter 3 you will be able to read your credit report like a pro!
Chapter 4- In chapter 4 of 37 days to clean credit Chris goes over how to assess and analyze your current debt situation. Chris also gives some very useful information about dealing with creditors, ways to reduce your monthly expenses and other ways to help reduce your debt.
Chapter 5- This is were the credit repair information starts to get good. This chapter covers in great detail the right way to dispute information on your credit report. Chris also tells you what to expect in terms of a time frame with each credit bureau, remember he is writing from his own credit repair experience! This chapter is an absolute goldmine of information and there are a ton of tips that will help you get your credit report cleared up.
Chapter 6- In this chapter you will learn the process of how to negotiate with creditors and collection companies. Chris covers this very well and lays out a step by step plan that anyone can follow. He even covers what and what not to say on the phone to creditors and collection companies. Again this chapter is well written and has has alot of great information in it that will help you to successfully negotiate your debt and collection accounts!
Chapter 7- This is the last chapter in 37 days to clean credit and covers many ways for you to build new credit and stay responsible. After all half of credit repair is cleaning up your credit report while the other half is building new credit and keeping it in good standing. This chapter will tell you how to do all of that an more!
Obviously each chapter goes into great detail and really touches on the important parts of each aspect of credit repair but i wanted to keep this simple and easy to read. I hope you have a good idea of what 37 days to clean credit is all about and have decided to purchase it and repair your own credit!!
Download 37 Days To Clean Credit
After You Purchase 37 Days you will see the following
1) A link at the top of the page to down load the Ebook 37 days to clean credit
2) A link to down load the bonus audio files and also a written transcripts of these interviews with leading credit repair experts
3) Next is a link to download Chris's proven credit dispute letter templates (these make your job much easier and save a ton of time)
4) Next you will be able to download two bonus videos that deal with money management and personal finance
5) At the bottom of the page where you can down load your SUPER BONUS VIDEOS
Bonus Video Titles
* Interest Annihilator Video
* Interest Annihilation Script
* Budgeting Success
* Budget Income Tracking Form
* Budget Credit Tracking Form
* Budget Expense Form
Downloading 37 days to clean credit is as simple as right clicking and saving to your PC, after that its time to dive in. I will be covering only the book in this review as a review that includes everything thats included could literally take hundreds of pages to detail!!!
Sunday, October 4, 2009
Get a Better Credit Score-How To Get Better Credit Scores Using Self Credit Repair
Trying To Get a Better Credit Score?
If you are one of the many people around the world wondering how to make credit scores better so you can secure financing you are not alone. There are many people just like you struggling with bad credit looking for a solution. Well the brief article below will give you some tips on how to get a better credit score quickly!
How Can I Get a Better Credit Score
First you need to look at why your credit score is low. Are you in to much debt with maxed out credit cards or do you have a history of late payments and charged off accounts. Each group will have a different approach when they attempt to get a better credit score.
If You Have To Much Debt
If you have to much debt that is dragging your fico scores down you are going to have to eliminate some of that debt.This can be done with debt consolidation loans, paying more towards the minimum monthly payments or credit counseling services.What ever option you choose paying down debt is something that generally happens of a period of time and not very quickly.
If You Have Poor Credit History
If your past is full of late payments, judgments and collection accounts you are going to need to eliminate as much of this history as possible.This can be done with a credit repair service who will charge you hundreds to thousands of dollars. Or you can do credit repair yourself and get the same results for alot less money.
The good news is that self credit repair is pretty easy to do if you have the right plan to follow and approach it the right way.
What Does DIY Credit Repair Involve
You will be sending properly formatted credit dispute letters into the three major credit bureaus telling them you believe the negative information about you to be false. Under federal law they will need to verify this information with the original account issuers. If proof cannot be produced then the account must come off and your credit score will be better.
Where Can I Get More Information On Self Credit Repair
If you want a Better Credit Score and have a poor credit history then log onto http://www.creditfix123.info and learn more about the self credit repair system i used to increase my credit scores 135 points in 37 days!
If you are one of the many people around the world wondering how to make credit scores better so you can secure financing you are not alone. There are many people just like you struggling with bad credit looking for a solution. Well the brief article below will give you some tips on how to get a better credit score quickly!
How Can I Get a Better Credit Score
First you need to look at why your credit score is low. Are you in to much debt with maxed out credit cards or do you have a history of late payments and charged off accounts. Each group will have a different approach when they attempt to get a better credit score.
If You Have To Much Debt
If you have to much debt that is dragging your fico scores down you are going to have to eliminate some of that debt.This can be done with debt consolidation loans, paying more towards the minimum monthly payments or credit counseling services.What ever option you choose paying down debt is something that generally happens of a period of time and not very quickly.
If You Have Poor Credit History
If your past is full of late payments, judgments and collection accounts you are going to need to eliminate as much of this history as possible.This can be done with a credit repair service who will charge you hundreds to thousands of dollars. Or you can do credit repair yourself and get the same results for alot less money.
The good news is that self credit repair is pretty easy to do if you have the right plan to follow and approach it the right way.
What Does DIY Credit Repair Involve
You will be sending properly formatted credit dispute letters into the three major credit bureaus telling them you believe the negative information about you to be false. Under federal law they will need to verify this information with the original account issuers. If proof cannot be produced then the account must come off and your credit score will be better.
Where Can I Get More Information On Self Credit Repair
If you want a Better Credit Score and have a poor credit history then log onto http://www.creditfix123.info and learn more about the self credit repair system i used to increase my credit scores 135 points in 37 days!
Thursday, October 1, 2009
How Can I Improve My Credit Score - The DIY Credit Repair Process Explained
How can i improve my credit scores is a question that many people ask, especially after being denied a loan or credit card. These people often turn to credit repair companies to help them, but do they really need to pay for these services
Doing Self Credit Repair Will Improve Your Credit Scores
The companies that charge you a fee to clean up your report are doing nothing that you cannot do on your own. Not matter what they tell you they have no secret contacts in the credit bureaus, they have no special software or secret techniques.
What Does Self Credit Fixing Involve
In its simplest terms it is a process in which you communicate to the reporting agencies that you do not agree with certain information on your credit report.
The agencies then have to communicate with the original creditor for the disputed accounts. The original creditors then have to prove to the bureaus that information about your account is in fact true
If the original account issuer is unable to provide them this information then the accounts must be taken off your report and can not be placed back on unless a different creditor like a collection agency takes the account over.
How Do you Communicate With The Three Bureaus
The easiest way to get in touch with the reporting agencies is through credit dispute letters. These letters should include you name, address, account number you are disputing and the reason you believe the information is not true.
You can also dispute online but credit dispute letters allow you a chance to provide more information.
While it is true that there are correct ways to go about disputing negative and false information on your credit report this information is not a guarded secret and can normally be found in any DIY credit repair book available for purchase on the Internet.
Where Can I Get More Information On Self Credit Repair
For an affordable Credit Repair Guide that gives you a proven step by step plan as well as effective credit dispute letter templates head over to http://www.creditfix123.info right now
Doing Self Credit Repair Will Improve Your Credit Scores
The companies that charge you a fee to clean up your report are doing nothing that you cannot do on your own. Not matter what they tell you they have no secret contacts in the credit bureaus, they have no special software or secret techniques.
What Does Self Credit Fixing Involve
In its simplest terms it is a process in which you communicate to the reporting agencies that you do not agree with certain information on your credit report.
The agencies then have to communicate with the original creditor for the disputed accounts. The original creditors then have to prove to the bureaus that information about your account is in fact true
If the original account issuer is unable to provide them this information then the accounts must be taken off your report and can not be placed back on unless a different creditor like a collection agency takes the account over.
How Do you Communicate With The Three Bureaus
The easiest way to get in touch with the reporting agencies is through credit dispute letters. These letters should include you name, address, account number you are disputing and the reason you believe the information is not true.
You can also dispute online but credit dispute letters allow you a chance to provide more information.
While it is true that there are correct ways to go about disputing negative and false information on your credit report this information is not a guarded secret and can normally be found in any DIY credit repair book available for purchase on the Internet.
Where Can I Get More Information On Self Credit Repair
For an affordable Credit Repair Guide that gives you a proven step by step plan as well as effective credit dispute letter templates head over to http://www.creditfix123.info right now
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