List/Grid Tag Archives: bad credit repair

The Potential Pitfalls Of Self Credit Repair

If you have some inaccurate credit and you need credit repair you do not need to hire a professional. You can do it yourself for free and the credit bureaus even provide forms on their websites the help you expedite the process. You absolutely have the right to repair your credit yourself. It may seem like a simple and inexpensive solution to just do it yourself. After all, how hard can it be? You just get a copy of your credit report, identify the inaccuracies, fill out the paperwork, submit it and wait for the listings to be deleted. Anyone can ...
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Financial Life Is Easier With High Credit Scores

Most people will experience a credit problem or two in their lifetimes as very few people can escape all of these problems. Credit is typically a necessary and required fact of life. The majority of people will require credit for the purchase of the larger items like houses and cars. Bad credit may be a problem but it is a good thing that there are steps you can take to repair or improve your credit. Get a copy of your credit reports. The first thing that you should do before you start a credit repair strategy is to get a copy of all three of your ...
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Four Potential Credit Card Scams

When you’re working to perfect your credit, beware of potential scams that can hurt you along the way. With new technology that is always getting better and smarter you need to be careful of the offers that you take advantage of or they may take advantage of you. Do you need to pay for lower interest rates? NO! You do not have to pay for a lower interest rate on your cards. You can negotiate that yourself without a fee so if you get an offer for a lower rate and all you have to do is pay this upfront fee, be wary. Be especially careful if ...
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Six Biggest Credit Mistakes

The current economy has wreaked havoc on many people. Many people, even those who previously had stellar credit, have seen their credit scores plunge and they are still suffering the effects of bad times with bad credit. But there is hope. There are some things you can do to repair your credit. But first there are a few things that you should never do. In no particular order but numbered for efficiency sake below are some of the six worst mistakes. 1. Biggest Credit Mistake – Canceling your credit cards. It may seem counter-intuitive and if ...
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Your Credit Rating and Bankruptcy

There is a prevalent myth out there that bankruptcy is bad, really bad. Not to say that¬†bankruptcy is good (of course it is not) but how bad is it really? The truth is that once you file bankruptcy, it can remain on your credit report for up to 7 years and 10 years in certain instances. According to FreeCreditScore: “Chapter 13 bankruptcy will remain on the credit report for seven years from the filing date. Under Chapter 7 bankruptcy, a person does not repay any of the debts included in the filing. Chapter 7 bankruptcy remains on the credit ...
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Three Credit Repair Scams and Myths

There are many credit repair scams and myths out in the world right now. Besides the common scam of using a person who isn’t even licensed or certified to help you (always search Illinois licenses before you choose), there are some other scary ones out there. I’m sure you have heard of many, and some may even prevented you from wanting to repair your credit. Do not fear though, today we will go over these common credit repair scams and myths so that you can overcome your bad credit and work on improving it in the future. Below are three ...
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Valid Reasons Why You Should Understand and Read Your Credit Report

Prior to making a large purchase that will require financing it is smart to get a copy of your up-to-date credit report. A credit score and credit report can actually make or break your potential purchase and since the majority of credit reports do contain errors it is wise to become aware of any potentially erroneous credit before you end up with an unwelcome surprise. Credit bureaus handle a huge amount of information and it has been estimated that as many as 75% of all credit reports contain mistakes that can prevent a person from getting the ...
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You May Need To Repair Your Credit Eventually

Scenarios like this one play out in the United States everyday. You are ready to buy a car. You are planning to finance it so you allow the dealer to run your credit report. He comes back and tells you that he cannot give you the loan because your credit report states that you are deceased. People who are confident that they have good credit often scoff at the idea of credit repair. However, situations like that happen all of time. Errors on credit reports are extremely common and that is no surprise at all considering the massive amounts of information ...
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