Credit Repairs Blog » Credit report

How to Boost My Credit

Alex Smith — Wed, 21 Jul 2010 06:16:01 +0000

howtoboostmycredit.com is promoting a very simple but thorough guide to help people with credit problems with “101 Powerful for Legally Improving Your Credit Score”

Do you Know the Score on your Credit Report

Alex Smith — Wed, 07 Jul 2010 06:45:58 +0000

Even some celebrities get their credit card declined sometimes, which is embarrassing for them since they are always in the public spotlight, but that does not mean that this is any less embarrassing when it happens to us when we go to pay for something. Research has shown that in the last six month, more than 4 million credit card bills have missed their payment dates.

What happens to your credit report after filling bankruptcy?

Alex Smith — Sat, 19 Jun 2010 14:32:19 +0000

Does all the bad credit listed on your report just get wiped out? Is there a bankruptcy listed on it?
I heard you can get credit very easily after filing bankruptcy as you cannot file bankruptcy for 7 years. Is that true? I heard its easy to rebuild your credit after.

Whats is illegal on credit report repair?

Alex Smith — Wed, 02 Jun 2010 03:39:31 +0000

I seing people advertizing making your credit get a bust of 120 points in 30 day for 29 a month! Is that legal. They do not explain what they do, or how they do and the legal consequences.

Clean Up Your Credit Report – How To Clean Up Your Credit For Beginners

Alex Smith — Mon, 03 May 2010 07:06:44 +0000

Clean Up Your Credit Report – How To Clean Up Your Credit For Beginners If you are sick and tired of your bad credit rating and are looking for advice on how to clean up your credit report, you have found the right article. In just a few short paragraphs, you’ll learn the basics of how to clean up your credit report quickly and easily even if you are a complete beginner. So what exactly does “clean up your credit report” mean? Although that phrase itself is open to interpretation, generally “cleaning up your credit” refers to the process of improving your credit score by disputing and having negative items and accounts removed from your credit report. Even though this is a process that is completely free and relatively easy to do, many consumers aren’t aware of the fact that they can dispute negative items on their credit report directly to consumer credit reporting agencies and have them removed. Below are the answers to some common questions that arise when first starting the process of cleaning up your credit report. Why would I want to remove items from report? Simply put, negative items and accounts on your credit records have an adverse affect on your credit score. This goes without saying, but the lower your score the harder it is for you to obtain loans and financing. In addition to that, if you have a low credit rating it is likely that you will pay higher interest rates and fees, even if approved for a loan. So what items can I have removed from my report? Any information that is inaccurate or being reported incorrectly can be removed from your credit report fairly easily. Collection accounts, a bankruptcy from 20 years ago and even late payments you weren’t responsible for can all be removed from your credit report. These inaccuracies and incorrect entries have a negative effect on your credit score every day they stay in your credit report, so removing them immediately is of the utmost importance to your credit rating. How can I clean up my credit report? There are a couple of different options for consumers looking to clean up their credit report. The first option is to dispute the items on your credit report directly to the credit reporting agencies themselves. Several federal regulations and guidelines ensure that these credit reporting agencies handle your disputes in a timely fashion. Even so, having inaccuracies removed through a dispute can be a slow process. Another option available to people seeking to clean up their credit report is to use a credit repair agency. These agencies act as the consumer’s representative to the credit reporting agency, handling all of the paperwork and follow-up that comes through the dispute process. So now that you have the basics on how to clean up your credit report, it’s time to take action. Obtain a copy of your credit records and examine them for inaccuracies. If you find any potentially negative items that aren’t correct, you can begin the process of disputing them to have them removed. It’s a process that requires a little bit of work, but is well worth the result: A better credit score.

AnnualCreditReport.com: Your Apartment

Alex Smith — Tue, 27 Apr 2010 20:41:45 +0000

annualcreditreport.com allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and transunion. annualcreditreport.com is the official site to help consumers to obtain their free credit report.

Customer Testimonial: Repair your credit rating

Alex Smith — Thu, 15 Apr 2010 22:18:41 +0000

Customer Repairs his credit rating, find out how.

Free Annual Credit Report: Get Benefited for Free of Cost

Alex Smith — Tue, 13 Apr 2010 06:57:03 +0000

Whenever you get the chance of obtaining free annual credit report it is better to not to loose that chance. The importance of knowing the credit reports have increased to such an extent that you would have to be aware of every ups and downs in your credit status. This is so because you will have to show it in almost every financial purpose whether it is while seeking a loan, while applying for credit cards, getting an auto or a home loan or for applying for a job. Therefore, knowing about your credit score is necessary and do not loose a chance to know about it free of cost. The credit bureau keeps track of your credit records and visiting them everything you want to know about your report is not possible. Therefore, you can opt for the online facilities. Here you will get to know about your credit records by providing the required information for your identity. However, for receiving an annual report for free you can also apply and get benefited. The annual reports will be delivered right in your home address and thus, you will have a detailed annual report. This will help you in being informed and alert for your records. Such reports contains information about all kind of expenses, loans and repayments, major financial transactions, credit status, outstanding payments and also credit score. This will help you in maintaining a good credit status and also in improving the bad scores. Moreover, keeping a regular data will save you from suffering any sort of identity thefts. Consumer credit report, business credit report or annual credit reports are the varieties of reports that you can achieve. It is this free annual credit report which will help you in borrowing money from the lenders. Every lender before lending money wants to see such reports and then decides the offered amount.

How will my credit report look?

Alex Smith — Mon, 12 Apr 2010 18:03:46 +0000

How will my credit score look after each situation? Will have have bad credit and for how long?
1. A Settled debt paid off for 30% of what is owed after no payment for 60 days.
2. A full payment made to credit card company after 180 days late, right before being sold to a collection agency.
3. A debt paid (whatever %) after being sold to collection agency.

Thank you I am curious scenario along on the credit report and what it will mean and do for my score.

Does anyone know how can I get a free credit report online?

Alex Smith — Mon, 05 Apr 2010 12:13:04 +0000

I need my free yearly credit reprot from the major credit agencies. I have heard that a law was passed and all agencies were to provide a persons credit report free once a year. I have encountered several websites claiming to be free but there are none that i have yet to come across. I do not have a bank account to paypal any of these credit report sites. How do I get my free credit report.