Credit Repair

1.  Bad credit isn't a life sentence There's no doubt that bad credit wreaks havoc on your life, but the good news is that it doesn't last forever. Bad credit scores only remain bad if you don't take steps to improve your financial life. If you do, these mistakes will disappear from your credit report over time. How much time? For unpaid or delinquent accounts, the time period is seven years. For Chapter 7 bankruptcies, it's 10 years. To prevent mistakes, credit bureaus often err on the side of removing bad information a little early, says Norm Magnuson, vice president of public affairs for the Consumer Data Industry Association, a trade association for credit reporting companies. Worried there may be mistakes on your credit report? Check it for free at AnnualCreditReport For delinquencies, "most [...]

Need Help Improving Your Credit Score??? While there’s no quick fix for bad credit, taking the following steps to improve your credit profile can raise your score over time: 1.  Collections and/or Judgements-  Pay them off, not matter how small 2. Past-Due & Over-the-Limit-  Bring accounts up-to-date. 3. Pay all bills on time-  Stay focused 4.  Try to reduce your credit card debt to 25% or less of your credit line on each card.  Reduce your credit card debt to 25% or lower of your credit line   Example:  $5,000 balance on a credit card, have not more than $1,250 on that card. 5. Do NOT open more credit-  auto, credit card, appliances.  Very tempting but your are trying to get into a home- Keep your eye on the prize; your new home [...]

The ONLY source for your FREE ANNUAL CREDIT REPORT.  Authorized by Federal Law. Click HERE to get your report. Did you know you can get one FREE credit report per year? Correct mistakes BEFORE you buy a home.   Your credit report matters. Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application Reviewing credit reports helps you catch signs of identity theft early Federal law allows you to: Get a free copy of your credit report every 12 months from each credit reporting company. Ensure that the information on all of your credit reports is correct and up to date. There are 3 credit bureaus to validate your report:  Experian, TransUnion, & Equifax Cleaning up your credit report is easier to fix than you think.  Be persistent [...]