Credit repair is such a pain that it is very difficult for most people to even understand. Everyone seems to make a ton of errors trying to figure it out. I am writing this to try and help you understand who and how so you do not make the mistakes.One opinion most have is they must to dispute with the big three all the destructive issues on their report. What is this law? What the act states is plainly, if the disputed entry cannot be verified in 30 days is must be detached from the report. When most people look at this, they believe they must dispute every single thing on their credit statement and the truth is you do not have to argue it all. Your just wasting your time doing that. Another regular error is when individuals put their hands up and boost the white flag by filing bankruptcy. Bankruptcy is thought to be a fine, if not standard, answer because someone would mull over that bankruptcy would wipe your credit history clean and give you a new start. Nothing could be farther … [Read more...] about How to Repair Credit – Learn How You Can Easily Do This
Today, more than 70% of Americans have credit card debt that they cannot keep up with. If you are not careful, you will find yourself in this group and may have to work the rest of your life to pay off this credit card debt or possibly your children will be left with the responsibility! Do you want that? Of course you don't! There are two primary reasons that people get into debt, one is avoidable and the other is not.Some people are placed in a situation where they have lost their job or someone in the family has gotten ill. Either of these situations is often handled by paying bills with credit cards. This is one of the unavoidable situations that many Americans experience. The only possible way to limit this danger is to hopefully have a good savings plan or some type of insurance that can pick up the slack that your primary insurance doesn't cover.The avoidable situation involves managing your expenses. There are many people who buy things just to buy them and don't even know if … [Read more...] about Danger – Credit Card Debt Can Destroy Your Life!
What do you do when you look at your credit history and a sea of red numbers greets you, indicative of a report that is desperately in need of credit repair? Do you sigh and tell yourself there is no hope, that it is too difficult a task to attempt to improve your credit report? If you are someone that thinks credit repair is an impossible task, I have good news for you - credit repair may not be the easiest thing in the world but it is definitely something that can be dealt with. Here are some simple steps that hopefully will set you on your way in dealing with your credit history and engaging in credit repair.The number one step you must take when reviewing your credit history is to go through it carefully to look for any accounting mistakes or errors. This is because the people over at the credit bureaus are humans just like you and I and are prone to making errors. If you spot what you think looks like an error on your credit history, do not hesitate to raise it with the credit … [Read more...] about A Credit Repair Guide
Finding a good credit card deal is very important to many people today. Not everyone has pristine credit, as you probably know if you are reading this article. True, some of the best offers are made to those with nearly spotless credit records, but that does not mean that there are no offers at all for people with less-than-perfect credit scores. Finding the best credit card for bad credit is within your reach!It is important to do your research before you select a credit card offer, even if your credit is bad and you are desperate for any company that will give you an offer. Offers for people with bad or no credit are not as scarce as many people believe, however, so you should not settle for the first one you come across. Features such as rewards, cash back, bonus points and frequent flyer miles are all offered from different companies. When selecting the best credit card for bad credit, consider which you might personally benefit from the most. If you spend money in the right … [Read more...] about Best Credit Card For Bad Credit – Finding Deals For You
Are You Looking to Improve Your Credit Score?Then I'm sure you know that lenders use Credit Reports to score your credit-worthiness. Many Lenders rely on Credit Reports which use confusing scientific formulas to see how much of a credit risk a consumer is most likely to be.You may already know that credit scores are calculated using the information on your credit reports. Errors on your credit reports and credit scores can severely damage your reputation. For this reason, I encourage you to review your reports at least once per year.After checking your reports you may need to file a dispute to correct errors. This article has 10 disturbing reasons why you may need to file a credit dispute.1. 79% of Credit Reports Contain Errors.In 2004, the Public Interest Research Group found that 79% of credit reports have errors. Up to 25% of the errors have been bad enough to prevent borrowers from obtaining credit.2. Inaccurate Status of Accounts.According to a 2004 Federal Reserve Bulletin, 15% … [Read more...] about 10 Reasons Why You May Need Dispute Errors On Your Credit Report