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The Word is Out

The word is out. Unless you are independently wealthy and can pay cash for everything, your credit score will determine the cost of every dollar you borrow, and consequently, the quality of your life. A nationally recognized credit repair explains how to raise your credit score. It’s easier than you may think!

Get the Big Picture

Do you want to have fantastic credit scorese Would you like to be approved for the lowest cost financing available when you purchase a home or an automobilee If so, you need to understand the factors that have the greatest impact on your credit scores - and how to control them. Credit repair can make a dramatic difference in your life; just take one step at a time.

You Have the Power!

You can achieve anything you wish. Success is a matter of focus and determination. Would you like to have perfect credite A nationally recognized credit repair expert offers some powerful tips on achieving all of your credit goals - starting right now.

Setting Priorities

Bring Your Goals to Life!

Effective credit repair involves a systematic effort to clean up and reconfigure the content of your credit report. There is some work involved, and you want the results to last. A nationally recognized credit repair expert offers some tips on developing a personal budget that will carry your credit repair effort to the next level and bring all of your goals to life.

Taking Stock of Your Life

Every Point Counts!

Your credit score will determine the interest rate you pay on every dollar you borrow, from your car loan to your mortgage. Every point makes a difference! A nationally recognized credit repair expert explains how to give your credit score the tune up it needs.

Starting your Credit Repair Tune Up: Get Your Reports

A credit repair tune up does not have to be hard. If you break up the project into smaller tasks the whole job will be a breeze. Don’t be intimidated. Take it slow and you will get the job done. Each little step along the way can add points to your credit score and move you closer to your credit repair goals.

The Credit Repair Journey Begins

Bob and Sue are real people. They are smart and resourceful, but several years ago they made some bad choices. Soon their credit was a mess. So they started their credit repair journey. Here are a few of their credit repair adventures that might shine some light on your own path. Good luck!

Cease Communication Letters Cut Two Ways

Right Where You Belong

The credit bureaus are not the enemy. And the folks that created the FICO credit score model are not out to get you. In fact, if you take time to learn the rules you will find out how fun the game can be. Here are a few moves that will boost your credit scores and put you right where you belong, in control.

Your Credit Repair Lifeline

Do it Right!

Are you concerned about your credite A nationally recognized credit repair expert offers a step-by-step guide to getting started with your credit repair effort, and valuable advice on avoiding some common and costly mistakes.

The Need for Credit Repair

In 2003 congress passed an important amendment to the Fair Credit Reporting Act. The amendment, known as FACTA, required Equifax, Experian, and TransUnion to provide consumers with a free credit report, upon request, once every 12 months. This was meant to encourage consumers to examine their credit reports for errors. FACTA put a significant burden on the credit bureaus, and for good reason; 50% of all credit reports contain errors severe enough to cause consumers to pay premium interest rates on loans or even to be denied outright. This is a serious problem.

You Can Take Control!

Collectors use both law and psychology in the practice of their craft. Many collectors operate legitimately, while others cross the line daily. Do you know your rightse A nationally recognized credit repair expert explains the correct way to deal with a collector - and maybe even come out ahead.

Getting the Collection Letter

Many people in credit repair programs have received collection letters. Sometimes the credit repair effort itself can attract a collector, but you can turn the situation to your advantage. Collection letters are designed to intimidate, and include enough threatening legal language to upset anyone. Many recipients of collection letters opt to ignore them. This is a mistake. You have an important right when contacted by a collector, but it only lasts for 30 days.

Credit Cards Hold the Key

There is nothing like the subject of credit cards to get people excited. Credit cards can be a great convenience, or a weapon of financial destruction. But there is more power in that plastic than you think. Credit cards also hold the key to higher credit scores and speedy credit repair success, if you know the secret.

The Growing Importance of Your Credit Score

Take Control!

Don’t imagine that other people always play fair. Look out for yourself. Knowing your legal rights can make all the difference in the world. A nationally recognized credit repair expert explains some essential rights and remedies that can save you money and put you back where you belong - in control.

Credit Repair and FCRA Reporting Limits