restore credit

Think You Don’t Need A Credit Repair Professional?

May 20, 2010

Much of the criticism about credit repair companies and law firms center around the fact that you can do almost everything they do by yourself. You don’t actually need to hire a professional. That’s true. You can do almost everything on your own, if you have the time. But even more importantly, do you have [...]

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More U.S. Consumers Will Get Free Credit Scores

March 25, 2010

For quite some time it has been possible to get a copy of your credit report for free one time each year from each of the big three credit reporting agencies, TransUnion, Equifax and Experian. However, this did not generally include the credit score which is a fundamental part of your credit story. Getting the [...]

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DOFD Or Date Of First Delinquency

March 19, 2010

If your old credit card debt has been charged off by the original lender but subsequently sold to a collection agency the new collection agency may change the last active date to the time that they procured the bad loan. However, that does not change the DOFD of the Date of First Delinquency. The last [...]

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Pay For Delete

March 12, 2010

As you are attempting to repair your credit, you may need to pay off some old debts. In that case, it is in your best interest if you can get the lender to delete it from your credit report. So how do you do that? You negotiate. In negotiation you may win or you may [...]

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Repair Your Bad Credit With Credit Repair Services

February 12, 2010

Having bad credit can make your life difficult. Negative listings on your credit report and low credit scores can cost you substantially more money. You are forced to pay higher deposits for everything from utilities, Internet services and satellite TV and if something happens and you need money it is almost impossible to borrow it. [...]

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Beginning Steps To Better Credit Today

January 29, 2010

All too often having good credit is a necessary part of life. We all need to have good credit in order to qualify for mortgages, car loans and credit cards. However, for many of us past financial problems and times of financial difficulties have destroyed our good credit. There are some steps we can take [...]

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Should You Pay Off A Charge-Off To Remove It From Your Credit Report?

January 28, 2010

Most people do not have any idea what to do about charge-offs when they show up on their credit report. A charge-off is an indication that the original creditor has written the loan off as a loss, therefore they are no longer actively trying to collect on the loan. However, it still shows on your [...]

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