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...
August 2008
Bankruptcy Abuse
Tip! All of your debts are not wiped out in a Chapter 7 bankruptcy. There are certain types of debts that can not be discharged under Chapter 7.
Bankruptcy is little more than a smack on the hand these days. Creditors are certainly not going to look ...
Credit Score, Insurance Score and the Cost of Auto Insurance
Tip! Pay the minimum monthly payments. This will repair your credit score remarkably.
While shopping for auto insurance, an individual always aims for lower cost of insurance. In that case a good credit score may help to lower the cost. Credit score i...
Bankruptcy Interest Increases as Deadline Approaches
Tip! You won’t lose everything that you have. While bankruptcy laws vary from state to state, every state has exemptions that protect certain kinds of assets, such as your clothes, household goods, your home and your car (up to a certain value) ...
Credit Report: Myth or Reality
Do It Yourself Credit Report Repair. Downloadable eBook with step by step instructions for credit report repair.
1. Is it a myth or reality that you have more than one credit score?
A. Reality. There are 3 credit companies (Equifax, TransUnion, and Exp...
Student Loans Can't Be Swept Away Through Bankruptcy
Tip! Look into the total cost of fees for your bankruptcy case. It’s best to know the amount of money it is going to cost you.
Bankruptcy is in the news these days, as Congress has finally overhauled the Federal bankruptcy law after years of talk...
New Bankruptcy Law - Targeting the Wrong People?
Tip! In working towards fully understanding how to file for bankruptcy, if you do make the decision to hire a lawyer, you will need to begin an organized search to find the best attorney to meet your needs. Keep in mind that in this day and age there ...
Would You Like To Find Out How To Repair Your Credit Today Starting From Scratch?
The Attorney’s Guide To Credit Repair.
If you’re searching online to find ways to repair your credit, whatever your current financial situation is right now, you need to take the first step and clear your mind, and start using a common sen...
July 2008
How to Dispute Credit Report Errors
Tip! You will see the addresses for each creditor on the credit report. If it is not there, then you can call customer service to ask them to provide you with the missing information.
Your credit report–a type of consumer report–contains i...
How to Eliminate Credit Card Debt Debt Without Bankruptcy
Tip! You won’t lose everything that you have. While bankruptcy laws vary from state to state, every state has exemptions that protect certain kinds of assets, such as your clothes, household goods, your home and your car (up to a certain value) ...
5 Ways To Raise Credit Score
Tip! Thoroughly review your credit score for errors or outdated information. Quite often, certain lending institutions are not due diligent on updating old information.
It’s not as hard as you think to raise credit score. It’s a ...
Credit Score: The Brightest Feather In Your Financial Cap
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...
Debt Negotiation or Bankruptcy - Which is Right for You?
After Bankruptcy Credit Solutions. New 3-Step system shows you how to rebuild your credit, increase your credit score & qualify for loans after bankruptcy.
If you some you know is considering bankruptcy, remind them that there is another option ca...
June 2008
New Law Provides Free Annual Credit Report
Tip! Tell the CRA what information you believe is inaccurate on your credit report. Include copies, never originals of documents that support your position.
As of Thursday, December 1, 2004, one-third of Americans will be able to access their credit re...
Free Credit Report - Really
Tip! If you don’t see a creditor or collection agency on the credit report you know for a fact you owe money to, then you need to find any billing statements or collection letters you may have received. These statements and letters will have nece...
The Positive Ramifications of Do-It-Yourself Credit Repair
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.
Many couples have been merrily breezing along then, IT happened. There was not enough ...
Debt Consolidation or Bankruptcy
Tip! Even if I file for bankruptcy creditors will still harass me and my family.
Over the last decade Americans have accumulated excessive amounts of debt. Partially fueled by low interest rates and increased equity on houses due to real estate markets...
Debt Consolidation - How To Avoid Bankruptcy
Tip! Have derogatory credit items removed from your credit report. For the items charged off in your bankruptcy, you will need to send a copy (not the original) of your bankruptcy discharge papers to all 3 of the credit bureaus asking them to remove t...
Credit Repair After Bankruptcy
Tip! Whether you are getting a car loan, mortgage loan or personal loan, one major factor that will get you qualified is your present income. Financial institutions who offer loans after bankruptcy are more concerned about your present finances than yo...
May 2008
3 Simple Ways Of Getting A Credit Card After Bankruptcy
Tip! Make three copies of the section of papers that list all of the creditors and collection agencies that were included in the bankruptcy - usually this is called the Schedule F.
Bankruptcy administers a devastating blow to your credit card. A bankru...
Resolving Credit Card Disputes
Tip! Never give your credit card number to someone that calls you on the telephone. If the caller purports to be from a company that you do business with, or from the credit card company itself, tell them that you’ll call them back at the number ...
Repair Bad Credit Yourself
The Best Selling Credit Repair Package. Great seller quick turn around. High payout.
In March 2005, the U.S. financial services industry succeeded in hammering the first nail in their plan to overhaul the nation’s bankruptcy system. Repairing ba...
Discover the Parts of a Credit Report and What They Mean
Tip! The credit report plays a significant role in the functioning of consumer credit markets. Since loans are advanced based on the credit reports the chances of loans going bad are minimal.
So you ordered a copy of your credit report to check for ina...
How to Evaluate Zero APR Credit Card Offers
Tip! Don’t just cut up your credit cards: cancel them.
An APR or the Annual Percentage Rate is the combination of monthly finance charges and interest rates expressed annually. Every credit card has different APRs. For example there is a certain ...
Credit Repair - Can You Do It Yourself?
Tip! Make credit repair your focus. You need to insure that each purchase you make is a wise one.
Credit repair companies approach people offering to repair one’s bad credit standing for a fee. Many people are not aware that one can actually repa...
