A Step-by-Step Guide to Credit Repair
Do it Right!
Are you concerned about your credit? 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...
Credit Repair - A Few Steps To Perfection
Are You Ready?
You have the power to transform your credit regardless of what it looks like today. A nationally recognized credit repair expert outlines a powerful plan easy enough to start right now, and powerful enough to change everything. The only question is, are you ready?
A Realistic Start
Effective credit repair is a multi-dimensional process. Your credit report is just the final outcome. If you want to repair your credit you need to start with your finances. You must develop a...
Credit Repair Adventures: A True Story
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
Bob and Sue were reading about credit repair and the Fair Debt Collection Practices Act on the internet. They came across...
Credit Repair And Bankruptcy
Choices and Solutions
A period of financial hardship may leave you with unmanageable debt. If you find yourself unable to meet your monthly obligations you may be forced to consider bankruptcy. Here is a discussion of the new bankruptcy laws along with some powerful credit repair strategies designed to minimize the impact of bankruptcy on your credit.
A Changing World
Bankruptcy is not as an attractive as it once was. Many people attempting to discharge debts in a Chapter 7 bankruptcy are...
Credit Repair and the Collection Puzzle
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 rights? 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...
Credit Repair and the Hidden Power of Credit Cards
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
Credit repair revolves around credit score improvement, and for good cause. You are probably aware that a...
Credit Repair And The Power Of Secured Credit Cards
Time to Rebuild!
Are you starting the process of credit repair? The most important thing you can do, aside from removing erroneous information from your report, is to be sure you have sufficient open credit in good standing. A nationally recognized credit repair expert offers some valuable tips on rebuilding credit and optimizing your credit scores, quickly and efficiently.
The Big Credit Repair Mistake
One of the big mistakes people make as they begin a credit repair program is to neglect...
Credit Repair, Your Budget, And Your Life
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
Money comes and money goes. How do you spend your money? Organizing a...
Credit Repair: Act Now
Now is the Time
If you are one of the many millions of people who have purchased a home with sub-prime mortgage financing over the last two or three years, now is the time to get to work on your credit report to make sure that you are able to refinance when the time comes. And the time will come before you know it. Credit repair expert Jim Kemish discusses the changing mortgage market and how you can survive, and even thrive. But you must act now.
There is a Lot at Stake
Are you a sub-prime...
Credit Repair: Credit Score Secrets
Powerful Credit Repair Tips
Do you think you know how credit scores work? There is more than meets the eye. A nationally recognized credit repair expert reveals some little known and powerful tips that can improve your credit scores faster than you thought possible.
FICO - More Than Meets the Eye
Fair Isaac and Company is the developer of the FICO score, the credit score used by most lenders today. The exact formula is not published, but Fair Isaac offers a breakdown of the categories of...
Credit Repair: Exercise Your Legal Rights!
Take Control!
Dont 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
The Fair Credit Reporting Act (FCRA) is the law that stipulates the amount of time derogatory information can remain on your credit report....
Credit Repair: Quick Identity Theft Solution
A Growing Crime
Identity theft is a growing and insidious crime. The impact on a victims credit report can be devastating. Even worse can be the feeling of helplessness that a victim may face as they struggle to find a solution. Credit repair expert Jim Kemish discusses a quick and powerful remedy available to everyone.
An Unpleasant Possibility
Are there entries on your credit report that do not belong to you? These may be the result of a file merger error on the part of the credit...
Credit Repair: Statute Of Limitation Tips
Surprising Facts
It is absolutely essential for anyone attempting credit repair to know the statues of limitation for reporting of derogatory information as it applies to the credit bureaus. Credit repair expert Jim Kemish offers some insight on specific statute of limitation information that may surprise you.
Statute of Limitation Violations
The Fair Credit Reporting Act (FCRA), and the Fair and Accurate Credit Transactions Act (FACTA) amendment to the FCRA of 2003, is the federal...
Credit Repair: The Whole Story
The Right Way
When most people think of credit repair they think of credit bureau disputes. Historically credit bureau disputes have been the heart of the credit repair process. It turns out that it is really just a first step. Credit repair expert Jim Kemish outlines a comprehensive approach that insures success.
The Real Problem with Disputes
Credit bureau disputes are the essential backbone of every successful credit repair program. And almost without exception it is necessary to start...
How to Win the Credit Repair Game
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
No matter how bad your credit might be there is a quick way to get your credit scores moving in the right direction. The FICO scoring...
The Seven Deadly Credit Repair Sins
The Devil in the Details
Have you had credit issues in the past? Are you ready for better times? Credit repair can produce awesome results if done properly. But a wrong turn can leave you worse off than before. A nationally recognized credit repair and restoration expert discusses seven deadly credit repair sins you need to avoid.
Credit Repair Sin #1: Sticking Your Head in the Sand
Have you been through a period of financial stress? Is your credit a mess? It can be difficult to look at the...
Time For a Credit Repair Tune Up!
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. Dont be intimidated. Take it...
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