e-Credit Repair Info

The Average American’s Step-by-Step eGuide To Credit Repair – Step Two

The next step is to take stock of your progress on the items you have submitted for dispute to each credit bureau. The result of each item's dispute will dictate what you do next. Basically, you will get one of the following results from your itemized disputes: The item(s) you are disputing ...

Always Send Credit Repair Related Correspondence via Certified Mail, Return Receipt

Two of the biggest mistakes that people new to credit repair make are 1) not disputing the items on their credit report to the credit bureau's first (this is a biggie) and 2) not using Certified Mail, Return Receipt when sending correspondence to anyone related to their credit repair efforts. If you don't ...

What Are Credit Inquiries and How Do They Affect My Credit Report?

A credit inquiry is when a third party, such as a mortgage company or a credit card company, requests a copy of your credit report and/or credit score from any of the three credit bureaus. In fact, they are "inquiring" about your credit worthiness. Do these inquiries negatively affect your credit ...

The Average American’s Step-by-Step eGuide To Credit Repair – Step One

I will be writing this guide in a series of steps/articles that will take you each step of the way towards greatly improving your credit rating. I will cover every detail in order to maximize your efforts. Check back frequently for new guide steps. Before doing anything with your credit, you ...

Payday Loans – Think Twice Before You Borrow

For many people today, money has never been tighter. While the economy and employment are on the way down, the price for gasoline and other basic needs are on the way up. A lot of Americans live from paycheck to paycheck, broke on payday waiting for the next check. The ...

Did You Know Debt Collection Agencies Must Cease Contact Efforts At Your Written Request?

Your answer to that question is likely "No". Section 805 15 USC 1692c of the Fair Debt Collection Practices Act clearly states that if you contact the debt collector in writing and inform them that you cannot pay this debt at this time (for whatever reason) and you want them ...

I Am Under a Mountain of Debt, What Are My Options?

If you find yourself walking around with a 500 pound gorilla on your back named DEBT, then you might be wondering if there are, in fact, any real options for you. Well the answer to that is: it depends. There is always an "it depends" clause somewhere right? Yeah, but ...

Prevent Credit Fraud With a Security Freeze on Your Credit Report

Since the end of 2006, you have the ability to place what is called a "Security Freeze" on your credit file. This will prevent the Consumer Credit Reporting Agency (Credit Bureau) from releasing any information contained in your file. This measure is designed to prevent criminals from applying for credit ...

How You Can Get Your Credit Report For Free (without any obligations)

You hear it all the time on TV, read it on the web, free credit report this and free credit report that. Of course, free never really means free does it? No. They will give you your free credit report only after signing up for one of their monthly credit ...

Ten residual effects of having bad credit

There are many unpleasant effects of having bad credit, all of them really suck. I wouldn't wish them on anyone, and if you have bad credit then you likely know most of these, or maybe not. If you are wondering what the big deal is about bad credit, then read ...