24 October 2008
Credit Problems? Get A Dispute Credit Report Letter
Tip! In addition to providing your complete name and address, your letter should clearly identify each item in your credit report that you dispute. State the facts and why you are disputing the information.
If you obtained a copy of your current credit...
22 October 2008
Top Credit Score Factors and Disputing Bad Credit
Tip! Pay the minimum monthly payments. This will repair your credit score remarkably.
Do you often have too much month left at the end of your money? While you strive to pay your monthly bills on time, computers are keeping a close watch on your perfor...
21 October 2008
Car Loans After Bankruptcy
Tip! It is also a requirement, for those wishing to obtain a bankruptcy home loan, to have a debt-to-income ratio of between forty-five to fifty percentile range.
Are you a victim of your own credit misfortunes and had to file for bankruptcy to resolve...
18 October 2008
Free Credit Report Online
Tip! Residents of Colorado, Maryland, Massachusetts, New Jersey, and Vermont are entitled by state law to one free credit report from a credit-reporting agency per year. Residents of Georgia are entitled to two free credit reports.
If you’ve take...
15 October 2008
Refinance after Bankruptcy - Applying for a Refi Loan after a Chapter 7
Tip! The final step in considering bankruptcy is to actually engage the services of an attorney. At this juncture, you attorney will prepare a bankruptcy petition on your behalf that will be filed in the bankruptcy court.
Refinancing your mortgage aft...
13 October 2008
Low Credit Score Mortgage Refinance - Lock in a Low Rate with Bad Credit
Tip! Thoroughly review your credit score for errors or outdated information. Quite often, certain lending institutions are not due diligent on updating old information.
Even with a low credit score, you can refinance your mortgage for a lock...
12 October 2008
Requesting and Analyzing Your Credit Report
Tip! Many times the creditor does not re-verify in time or the credit bureau is busy and does not handle your dispute properly. This credit record must then be deleted from your credit report.
If you are trying to avoid a bad credit rating, one of the ...
08 October 2008
Facts You Should Know BEFORE Using A Credit Repair Company
Tip! Determine what you can cut back on. Credit repair means work and you will likely need to give up on some stuff so that you can improve your situation.
Have you ever wondered about those ads you see from companies and law firms which offer to fix y...
07 October 2008
Know Your Credit Score Before Applying for an Auto Loan
Tip! Give yourself time. Time is considered one of the most significant aspects that can help improve your credit score.
It is important to know what your credit score is before you apply for an auto loan.
Finding out your current score ahead of time w...
04 October 2008
Auto Loans and Why Your Credit Score Matters
Tip! Paying your bills on time is the first step in improving your FICO credit score. Late payments can have a big negative impact on your FICO score, 30 days or more late on one account can lower your FICO score 50 points or more.
Other than the purc...
03 October 2008
Car Loan After Bankruptcy - A Ray Of Sunlight After A Storm
Tip! Forward these documents along with the discharge to all of the credit-reporting agencies (listed below) requesting that each creditor included in the bankruptcy be updated to properly reflect a zero balance with the status included in bankruptcy.
...
01 October 2008
Instant Car Loans - Using Credit Score to Get a Lower Rate
Tip! Pay the minimum monthly payments. This will repair your credit score remarkably.
Smart car buyers know the advantages of getting pre-approved for a car loan before entering a dealership. Because dealerships have shady practices that involve chargi...
28 September 2008
Bad Credit Secured Loan for Your Better Credit Score
Tip! Obtain a copy of your credit score report from one of the three major credit bureau agencies: Equifax, TransUnion or Experian.
A bad credit means Bankruptcies, Arrears, Defaults, Country Court JudgmentR...
25 September 2008
Bad Credit Personal Loans Help You Improve Your Credit Score
Tip! If you have paid off all your debt, and your credit score seems to be at a stand still, you might want to make small purchases each month with your credit card and pay them off immediately. Often times the credit bureaus like to see at least some...
20 September 2008
Bankruptcy Credit Repair: 3 Bandages for Life after Bankruptcy
Credit Repair - Erase Bad Credit Now! Delete All Bad Credit Within 1-3 Months. Guaranteed. - I Will Show You Proof.
Millions of Americans are forced to declare bankruptcy every year, but even if you’re one of those people, you can begin immedia...
17 September 2008
Top Ten Reasons People File for Bankruptcy
Tip! It’s not difficult to file for bankruptcy. It really isn’t.
1. Eliminate the legal obligation to pay many of your debts.
This process of wiping the slate clean is called a discharge of debts. The goal of a discharge is to reduce debt ...
15 September 2008
How to Check Your Credit Report for Evidence of Identity Theft
Tip! In addition to providing your complete name and address, your letter should clearly identify each item in your credit report that you dispute. State the facts and why you are disputing the information.
How to Check Your Credit Report for Evidence ...
13 September 2008
What Is A Chapter 13 Bankruptcy?
Tip! Why doesn’t everyone just call bankruptcy when everything gets too hard. Put simply, your credit is ruined.
Many consumers that are bogged down in debt frequently turn to bankruptcy as a form of restoring their financial status back to a zer...
What your Credit Score Means to your New Car Finance Rate
Tip! Make every payment on time. This is the most important factor in your credit score rating.
There are three kinds of people when it comes to credit scores. The first
group of people can tell you exactly what their credit score is because they
ch...
12 September 2008
Credit Card Debt - Watch Your Credit Report and Your Bill
Tip! The credit bureau must prove each credit record on your credit report. If this is not possible, it must be stricken from the credit report.
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Most consumers are aware of the importance of their credit report. This document, offered to consum...
08 September 2008
4 Credit Repair Solutions To Get Your Credit Back In No Time
Tip! You are under no obligation to pay for anything in advance. All the services promised by a credit repair companies must be rendered before you have to pay them.
Having a good credit rating is important because it allows us many conveniences in lif...
06 September 2008
How to Read an Experian Credit Report
Tip! The credit bureau must prove each credit record on your credit report. If this is not possible, it must be stricken from the credit report.
The Fair Credit Reporting Act (FCRA) requires each of the Nationwide Consumer Reporting organizations (Equi...
04 September 2008
Credit Repair After A Bankruptcy
Tip! Asks you to pay for credit repair before services are provided. This is a direct violation of the Credit Repair Organizations Act, which states that credit repair companies can’t charge you fees until after they have completed the promised s...
03 September 2008
How to Read a TransUnion Credit Report
Tip! The credit bureau must prove each credit record on your credit report. If this is not possible, it must be stricken from the credit report.
The Fair Credit Reporting Act (FCRA) requires each of the Nationwide Consumer Reporting organizations (Equi...
02 September 2008
Credit History Repair - Credit Repair Steps And What You Do After Identity Theft
Credit Repair - Erase Bad Credit Now! Delete All Bad Credit Within 1-3 Months. Guaranteed. - I Will Show You Proof.
Imagine the public outcry if 27 million Americans discovered that their most private medical and financial health records had been sto...
