Fast Credit Repair This website was created to help you improve your credit reports, get lower interest rates on your home and auto loans, and improve your credit score quickly

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Bad Credit? Don't Despair
2007-11-05 22:59:00
Just because you have a poor credit report doesn’t mean you won’t be able to get credit. Creditors set their own credit-granting standards and not all of them look at your credit history the same way. Some may look only at more recent years to evaluate you for credit, and they may grant credit if your bill-paying history has improved. It may be worthwhile to contact creditors informally to discuss their credit standards.If you’re not disciplined enough to create a workable budget and stick to it, work out a repayment plan with your creditors, or keep track of mounting bills, consider contacting a credit counseling organization. Many credit counseling organizations are nonprofit and work with you to solve your financial problems. But not all are reputable. For example, just because an organization says it’s “nonprofit,” there’s no guarantee that its services are free, affordable, or even legitimate. In fact, some credit counseling organizations charge high fees, or hide th ...
Credit 

Credit Repair
2007-11-05 22:59:00
You have two options when it comes to repairing your credit ... hire someone, preferably an attorney who knows the credit laws; do-it-yourself using a good quality guide and your 3-in-1 credit report; Whichever way you decide to go, here are just a few tips to keep you on track: Don't fall for scams that tell you to create a new credit file ... that's credit fraud if you do it, and can make you subject to legal repercussions; Do read the Fair Credit Reporting Act so you have an idea of your rights while you go through the credit repair process; Get yourself organized and committed to the process, there is no overnight fix; If you use an online service, you want to know what the fees will be, monthly or "as you go" is best, and you want to be able to cancel at anytime;Always act in a cooperative and professional manner when dealing with creditors or collection agencies;Don't make threats, however subtle, ...
Credit  Repair 

How To Dispute Negative Items On Credit Report
2007-11-05 22:58:00
STEP ONETell the consumer reporting company, in writing, what information you think is inaccurate. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your report with the items in question circled. Send your letter by certified mail, “return receipt requested,” so you can document what the consumer reporting company received. Keep copies of your dispute letter and enclosures.Consumer reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a d ...
Credit  Credit Report  Dispute  Items  Report 

Sample Dispute Letter
2007-11-05 22:58:00
DateYour NameYour AddressYour City, State, Zip CodeComplaint DepartmentName of CompanyAddressCity, State, Zip CodeDear Sir or Madam:I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received.This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be deleted (or request another specific change) to correct the information.Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please investigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.Sincerely,Your nameEnclosures: (List what you are enclosing) ...
Dispute  Letter 

Free Ways To Get Your Credit Report
2007-11-05 22:57:00
Don't forget your once a year free report: annualcreditreport.comSome states have laws requiring the bureaus to provide more than one free credit report per year. To find out if your state requires this and more details about the cost of ordering your report, see our article on state credit report costs.If you are turned down for credit, employment, or insurance within the last 60 days. Take the written proof of your turn down and mail it to the credit bureaus, requesting your free report.If you were charged higher rates and fees or deposits based on a credit report issued by a credit bureau, you have the right to get a free copy from that bureau.If you certify in writing that either you are unemployed and plan to seek employment in the next 60 days.If you are on welfare.If you write to say you were a victim of fraud.If you are too impatient to wait for this, you can always order your credit report online. ...
Credit  Credit Report  Report 

Quick Credit Repair: A Personal Experience
2007-11-05 22:56:00
One great way to repair or build credit fast is to get a secured VISA or MasterCard. A secured credit card is one in which you open up a savings account with the card issuing bank. This savings account is used as a security deposit for your credit card. Your credit limit is based on the amount that you deposit into the savings account. Once you have established a good record of payments on the credit card, the savings account funds are returned to you. Only use this secured credit card for gas or a few small purchases each month. When you get your bill, pay it immediately but overpay it by about $10 - $15. That way you always have a negative balance. The FICO system accelerates your credit rating quickly by doing this. Just make sure that you NEVER are late on making that payment. This method worked very well for me when I had very bad credit. After receiving my secured credit card, it took about 8 months before I was receiving pre-approved non secured VISA and MasterCard offers from ...
Credit  Experience  Personal  Repair