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Credit Repair Is Possible - Here's How To Do It

Credit is essential nowadays. If you have bad credit, it is often difficult to rent an apartment, purchase a home, or get any form of credit loans at all. Having good credit is important in today's time. Many of us believe that once we have bad credit that we have to live with for at least seven years. Rest assured that this is not true. If you have defaults on your credit report, it is possible to have them removed.

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Credit is essential nowadays. If you have bad credit, it is often difficult to rent an apartment, purchase a home, or get any form of credit loans at all. Having good credit is important in today's time.

Many of us believe that once we have bad credit that we have to live with for at least seven years. Rest assured that this is not true. If you have defaults on your credit report, it is possible to have them removed.

The first step is to obtain copies of your credit report from the three major Credit Reporting Agencies - Experian, Trans Union, and Equifax.

Your credit report is not just a record of how you are currently managing your credit accounts. Your credit report is a history of everything you are doing with your credit now, and everything you have done in the past.

The credit reporting agencies, also known as, credit bureaus receive your personal information through the same lenders who grant you credit. The credit bureaus list this information on your credit report, and then sell it to credit grantors who wish to review your credit history before they decide to grant you credit.

Once you receive your reports from all of the agencies, review each report carefully to make sure that all the accounts belong to you. If you see any errors on your credit report make sure to take care of it right away by disputing the error with the Credit Reporting Agencies.

By law, when you dispute an item, the Credit Reporting Agencies are obligated to investigate the error.

If the error or negative information is found to be false or unable to be verified, it must be deleted or changed to reflect the status that you claim it should be.

There are many resources available on the Internet. It is up to you to research the marketplace carefully to find the best guides and resources that would lead you in the right direction to fixing your credit report.

 

Credit Repair Scams And How To Avoid Them

Everyone by now has probably gotten at least one email, junk mail, or other type of solicitation concerning Credit Repair. The truth is that around 80% of Americans have credit issues they need to deal with so there is a huge market for credit repair services.

But with every large market there is one thing you can be sure of. It will also draw out the unethical people and the scammers and thieves as well. In this article I will tell you about some of the scams and offer yo...

Everyone by now has probably gotten at least one email, junk mail, or other type of solicitation concerning Credit Repair. The truth is that around 80% of Americans have credit issues they need to deal with so there is a huge market for credit repair services.

But with every large market there is one thing you can be sure of. It will also draw out the unethical people and the scammers and thieves as well. In this article I will tell you about some of the scams and offer you a little free advice on how to avoid credit repair scams and rip-offs.

The first thing that should be discussed is that anytime something sounds too good to be true it most likely is. When you hear or read the words, “Free”, you should beware. My own website has the word free in it because I actually provide free information. However, if you were to want me to do all that is necessary to repair your credit, you can bet you’d have to pay me for the service.

So, when you see someone offering to fix your credit for free, ask yourself, “How can anyone work for me for free?” Some claim to be a nonprofit organization only there because they are interested in helping people fix their credit.

There may actually be one out there that does this and if you ever dig them up email me a link. For the most part I would be even more leery of those that claim to be a nonprofit. Even the federal government is now looking into credit repair organizations that claim to be nonprofit.

What these companies or credit repair clinics do is something you can do for yourself. They dispute claims by creditors. You can do this by going to the big three, Equifax, Experian, and TransUnion Corporation. If the creditors fail to respond within 30 days, then the item is removed from your credit report.

Sounds great right? Well, not exactly. Even if the creditor fails to respond in the 30 day time period, they can still add the item back onto your credit report. That means that the money you paid for someone to do that for you was wasted. You can get a free credit report from each of these companies once per year. So that is three times per year that you can check up on your credit report.

According to the Federal Trade Commission Website, “A federal judge has ruled that a bogus credit repair company and its owner violated the law by making false and misleading claims, and billing in advance for its services, and has ordered them to pay more than $322,000. This action was a result of “Project Credit Despair,” a crackdown on 20 operations that deceptively claimed they could remove negative information from consumers’ credit reports – even if that information was accurate and timely.”

If the information on your credit report is accurate and timely, there is no one that can get that removed for you. The best thing you can do in that case is to contact the company and make some type of arrangements to pay off the debt. Offer a cash settlement that is less than the total amount owed and sometimes they will help you and take the offer. You have nothing to lose by making that offer and everything to gain.

The FTC advises that only time, a conscious effort, and a personal debt repayment plan can improve your credit report. The first step is to learn what information is in your credit report. If you find errors or mistakes, federal law gives you the right to have them corrected – free of charge. Federal law requires that the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – provide you with a free copy of your credit report once every 12 months, if you ask for it. To order your free report, visit annualcreditreport.com, call 1-877-322-8228, or complete and mail the Annual Credit Report Request Form. Other credit repair information is available on the FTC’s Web site, http://www.ftc.gov.

I hope this article has helped you to understand about credit repair. There are some legitimate companies out there. Just beware of any that tell you that they can remove items from your credit report that are legitimate debts. If they offer to negotiate directly with creditors or help you consolidate your debt, then you may benefit from using professionals. However, on the debt consolidation part, watch that you do not end up paying a higher percentage for interest than you are currently.

 

Effective Ways On How To Keep Your Student Credit Card From Serious Debt

Nothing symbolizes the entry of adulthood and independence much better than being in college. Most especially if you’re working your way through it. If look back in our lives, college would seem to be the time when we both get to enjoy our youth and being an adult.

But we all know being an adult comes with a lot of responsibilities. Couple this with the exuberance, the carefree ways and sometimes, the stupidity of youth, there will come a time when we get ourselves into t...

credit card, apply for a credit card, credit card offer

Nothing symbolizes the entry of adulthood and independence much better than being in college. Most especially if you’re working your way through it. If look back in our lives, college would seem to be the time when we both get to enjoy our youth and being an adult.

But we all know being an adult comes with a lot of responsibilities. Couple this with the exuberance, the carefree ways and sometimes, the stupidity of youth, there will come a time when we get ourselves into trouble, especially when it comes to our finances.

College is not just about having to study your lessons, write your papers and preparing for the exams, nor is it about having all the wondrous parties, hanging around with friends or maybe going around the mall looking for the perfect gadgets and outfits. We should all consider the bills we have to pay and all the other expenses.

Many of us in the past years have enjoyed the privilege and the benefits of having a student credit card. We are able to purchase almost everything we need even if we don’t have any money yet. But of course, a student credit card is not a gift check or the like. Every purchase that we charge to our student credit card must be paid at the end of the month when the bill comes in. If not, then instead of looking forward to a great and promising future when we graduate, it could be piles of debt that we may need to work hard for just to pay not only the capital, but also the mounting interest.

A lot of people may insist that there shouldn’t even be credit cards available for college students. Why? It’s obvious, a lot of college students are not just responsible having one yet. There are a lot of temptations around them and making purchases can be very tempting even when they don’t have the means to pay or afford it.

But then again there are some people who would argue that credit cards would help train them as adults and owning one would better prepare them for their future. Both have their points, but nevertheless, the student credit card is already here. So the next best thing is for parents, or the students on their own, employ effective methods to control their spending and keep them out of debt. Here’s a few ways on how to do it.

• Prepare a budget before getting a student credit card. You must know how much you are able to pay for and revolve around it. List down all the necessary things you must spend your money on and only add luxuries if your income or allowance still allows it to.

• Stick to your budget no matter what. If you think you don’t have the discipline to do so, dot get a student credit card, it’s too much of a temptation. Having a student credit card doesn’t mean you only have to pay the minimum, even though you can. This is the way the credit card company makes money; the less you pay the more interest you have to deal with.

• Use your credit card only on purchases you can’t afford to pay cash for at the moment. This is for things that can be quite expensive yet is really needed and can be used over and over again. Don’t ever splurge and pay for cash on purchases that you are able to.

• Be responsible and pay off everything that you charged by yourself. Don’t go whining to your parents every month to take care of your balances. Show a little self respect and prove to everyone that you're mature enough to take responsibility of your actions.




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