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Your Credit Repair – Smart Tips, Tricks and FAQ’s
Credit Repair – like me you’ve found your self in a situation where you need to repair your credit and fast.
My name is Justin and I’ve done the homework for you, I’ll show you how. I’ve visited over 450 websites and collected the best tips on the web to share with you.
There are some traps that you need to be aware of before you spend, then you can separate the good ways an bad ways, so you don’t get caught out.
You need to be aware of the many scams that are out there – some are impostor websites that will take you to websites that look legitimate but will actually take your credit card details and make a run for the hills! know what to look out for, so you don’t get stung (like I did).
The first place to start is to review the current websites so you know who’s offering what and if the companies are suitable for you or not.
You’ve got the three main American Credit Bureaus or Agencies, they sell credit report and credit scores, they also offer anti identity theft services.
Go to these places to get your report and then you can go about fixing the report, I’ll cover these methods further on.
Ok, other then the big there companies you have a few more to choose from, these will also offer credit repair services.
- PrivacyGuard.com – They site is owned and operated by Trilegiant.
- IdentityGuard.com – Owned and operated by Intersections.
You will need to get your credit report and score from all three bureaus. Because your information will not be the same on each report, you need update each report and get them all looking consistent with a good credit score.
For easy of use and convenience I think it’s worth paying for the advantage of getting all 3 in one, here are the current costs:
- Equifax – Get 3-in-1 Credit Report with Score Power $39.95
- Experian – 3 Bureau Credit Report and PLUS Score for $34.95
- TransUnion – A 3-in-1 Credit Report with FREE for $29.95
Credit Repair – Short Term Tactics
Here are 4 quick and easy tactics to start:
- Open a current account – shows responsibility
- Have all your utility bills in your name – make sure you pay them on time.
- Apply for a charge card or store card – Good as they are hard to default on
- Get a car loan – a great fast way
Credit Repair – Longer Term But Better Tactics
- Goodwill Negotiation: This involves negotiating directly with creditors, asking them to remove negative items from your credit report. Good for mild late-pay accounts. Creditors have the ability to simply remove these items, so it’s well worth having a crack. Especially if they see that it could somehow work to their benefit. That simply means a pleased customer.
- Consumer Credit Counseling Service or CCCS – Good if you’re over you heads in debt. But be careful, they normally have finance partners they use – if they have their own group of companies then you will not get a competitive offer into refinancing. They will also try and sell other services you may not need. They market themselves as not-for-profit but they are really making a profit but in another ways.
It’s interesting to note that CCCS is funded and controlled by the rich credit givers and the credit bureaus. This is a especially a worry – If you have finished their program, they can list your failure to complete the process as a negative listing on your credit report.
Credit Disputation Contact credit bureaus directly, dispute items on your credit reports. You have the right to plead “not guilty” to negative on your info. Dispute all items that you feel are inaccurate or misleading. If the bureaus cannot verify those items must be deleted.
Illegal – Be aware of these tactics: Changing your social security number to obtain a clean bill of credit. Disputing every item on your credit report to the Fair Credit Reporting Act Charging for services that have not yet been completed. i.e. charging to “repair your credit”.
I really do sincerely hope this info your gets your mind ticking over, and that it provides you with a few tips and provides you some good credit repair advice to think about.
To get more advice and information on Credit Reporting Agencies, or Credit Score and Credit Reports click on [http://www.credit-reporter.net]
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