Your goal is to raise your credit score so you can enjoy lower interest loans, lower insurance premiums, a more affordable mortgage, and all the other benefits of good credit. You have already gotten copies of your credit report, and identified the negative items that are bringing down your credit rating. You have […]
Can you build a house in a day? Can you get a college degree overnight? Probably not. Likewise, you can’t fix bad credit in 24 hours. Despite what some advertisements might have you believe, repairing a history of bad credit takes a little time. In this article we will give you some common sense advice […]
A successful credit dispute letter is a wonderful thing. It can delete negative items from your credit report and eventually raise your credit score. It can stop a collection company from harassing you. You will reap the rewards of lower interest rates and a more secure financial life. Why risk success by filing your disputes […]
Let me count the reasons. Four million. That’s the number of American homes in foreclosure. One trillion. That’s the amount of credit card debt. Two million. That’s the number of personal bankruptcies each year. We are a country in need of help; the kind of help that a […]
If you will be getting a car loan or applying for a home mortgage anytime soon, it is critical that you know what is in your credit report. After all, the first thing your potential lenders will do after you apply for a loan is to check your credit report to see if you are […]
Every time you turn on the TV or open the newspaper, you see stories of people who are suffering from the financial effects of bad credit. They are in over their heads with credit card debt, and may be at risk of losing their homes to foreclosure. You know a little something about credit repair […]
Having a credit problem is serious business, and fixing that problem should be done in a business-like manner. Picking up the phone and yelling at the lender’s customer support representative is not going to help repair your credit; in fact, it may make it worse. However, writing a concise, professional letter may well do the […]
It is always a shock to the system. When you first discover that you have been a victim of identity theft, you feel violated. It is as if someone has been living in your house, and you didn’t even know it. Then you get angry. Someone has stolen my hard-earned money! But it is difficult […]
Let’s face it–you need a credit card in order to get along today. Have you ever tried to make a hotel reservation or rent a car without one? But if you are one of the growing number of people who have run into credit problems, you know that getting a credit card can be very […]
The wolf is at the door. Identity theft is the fastest growing consumer crime in the country. The Federal Trade Commission estimates that 9 million Americans have their identities stolen each year. Yes, ID theft is serious business, and it may well touch your life at some point. But are you […]