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Credit Repair Companies and Credit Counseling
Let's be crystal clear, right up front. Paying someone to "fix" your credit is a waste of your time and money, since the negative issues that are temporarily removed from your file will only reappear again in a couple of months.
Be careful...
Looking for that low interest credit card
If you have been shopping around for a Low Interest Credit Card you will notice that the UK market is awash with Credit Card companies offering low rates to entice you to apply for their Cards. There has never been a better time to consolidate your...
Rebuilding Better Credit
Today, good credit is the one constant necessity needed to
succeed in any endeavor, from starting a new business venture to
purchasing a home. Without having established prior good credit
and maintaining this status, re-establishing decent credit...
Six Credit Card Secrets No Bank Wants You To Know
We all get them from time to time. You know, the sealed envelope in the mail that have a written message such as "You've Been Pre-Approved For A New Credit Card From..." If you are like me, you file them away- usually in the trashcan or shredder!...
The Bad Credit Card That May Do Good
Millions of people use credit cards all around the world. A huge
chunk of those users made mistakes when dealing with their
credit cards. The consequence of the errors is costly.
A lot end up in debt and most of the time these are the...
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Credit Repair Resources
If you are having problems with credit you might want to surf
the market for resources that can help you find a way out of
debt. The many resources available do not include the many
spammers that tell you in three minutes we can get you out of
debt. The scores of resources that offer a quick solution to
repairing debt are only out to add more debt to your credit
files. In reality, the only resource that can get you out of
debt is yourself. The solution then I am offering to you is the
many guides, laws, and sources that are available to help you
within adding more debt to your credit files.
There are kits available that can lead you in the right
direction to eliminating debt; however, some of the kits offered
abroad the Internet are expensive. You can get the same kits in
most cases at your local library or else other resources that
offer debt repair kits abroad the Internet. It is up to you to
research the marketplace carefully to find the best prices, but
ultimately you would want to start at the library. Two of the
best guides available at many libraries are the DO-IT-YOURSELF
KITS and the Solve your Money Troubles. Credit Repair Sixth
Edition written by Attorney's Robin Leonard & Deanne Loonin is
another great resource tool for getting help with credit repair.
If you are searching for a way out of debt, it makes sense to
know what your score is on your credit files. You can order
copies of your credit reports by contacting TransUnion, Equifax
and Experian. The addresses are available in phone books and
over the Internet. The three major credit bureaus are obligated
to give you FREE copies of your report once each year, however
if you are not eligible for a free report you can get copies
free once you apply for a couple of loans, or even one loan for
that matter. I advise against this because each time you apply
for a loan or credit card it goes on your credit file. Other
resources available to you are found over the Internet. There is
information available to help you see your way out of your
situation.
Resources are a source of information and contacts that help you
get started to repairing your credit. If you are suffering as a
result of low income and creditors calling you every day, then
it is important that you do not give up hope. By calculating
your monthly bills and setting up a budget that meets your
requirements is a great resource for eliminating debts. It is
also possible to earn money while you are broke. Cutting back on
items, groceries, household goods, clothing, and other items can
help you increase your income. You could also make money by
selling valuable assets that are sitting in the corner of your
home taking up space. If you cut back on utilities and
entertainment, you might also find an increase in your pocket
each month. Again, there are scores of resources available to
you that can help you repair your credit.
Defaults
If you have defaults on your credit report, you might want to
review the report carefully to make sure that all the bills
belong to you. If you see, any errors on your report make sure
to take care of it right away by disputing the error with the
credit bureaus. Under state law when you file a dispute, the
bureaus are obligated to investigate the charges. Fighting back
and taking back control of your life is a great resource for
repairing your credit and restoring your life. After you
received copies of your reports, reviewed, disputed and surfed
the marketplace for resources you will see where you are headed
provided you apply the steps to your directions. Life is too
short to take anything for granted, therefore, it is always wise
to educate your self, learn, and set up a wealth of resources
that can help you reinstate your life and credit. Remember
resources are a positive solution for getting out of debt and
not adding more debt to your credit files.
About the author:
Tony Robinson is a business owner with vast experience in all
facets of Credit and Credit Repair - for further tips and
techniques visit http://www.officialdebtfree.com
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| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
| Credit.com offers a variety of credit related products and services including credit reports and credit scores, credit cards, car loans, home loan and ... |
| www.credit.com |
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| Equifax Personal Solutions: Credit Reports, Credit Scores ... |
| National consumer credit reporting company that offers credit reports, FICO(R) credit scores and identity theft protection products to consumers and small ... |
| www.equifax.com |
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| The FTC's web site on Credit |
| Credit is much more than a piece of plastic, and the resources on this site can help you become a more savvy consumer. You’ll also find compliance ... |
| www.ftc.gov |
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| Federal Trade Commission - Consumer Credit Center |
| Features an assortment of helpful articles related to credit issues. |
| www.ftc.gov |
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| AnnualCreditReport |
| Site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law. |
| www.annualcreditreport.com |
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| Springboard - Non-Profit Consumer Credit Management |
| Our mission is simple: To offer education on the wise use of credit. ... SPRINGBOARD has been approved to provide credit counseling services and issue ... |
| www.credit.org |
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| myFICO - FICO Credit Scores, Online Credit Reports and Identity ... |
| myFICO.com: Get your Free credit report and Free credit score with a 30-day trial of Score Watch. All three FICO Scores and Credit Reports Available now ... |
| www.myfico.com |
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| Credit Suisse Global |
| Credit Suisse Group is an international financial services group. - Shares part of SMI. |
| www.credit-suisse.com |
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| Experian: Free Credit Report and Credit Score, Credit Check ... |
| Credit referencing and consumer targeting for the USA and other countries. |
| www.experian.com |
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| National Credit Union Administration - Home Page |
| An independent federal agency that supervises and insures 7152 federal credit unions and insures 4240 state-chartered credit unions. |
| www.ncua.gov |
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| Credit - Wikipedia, the free encyclopedia |
| Debits and Credits, a type of bookkeeping entry; Credit (creative arts), acknowledging the ideas or ... Retrieved from "http://en.wikipedia.org/wiki/Credit" ... |
| en.wikipedia.org |
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| Credit (finance) - Wikipedia, the free encyclopedia |
| Any movement of financial capital is normally quite dependent on credit, ... Sometimes if a person has financial instability or difficulty, credit is not ... |
| en.wikipedia.org |
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| The National Foundation for Credit Counseling |
| DebtAdvice.org is a service provided by the Members of the National Foundation for Credit Counseling (NFCC), most of them known as Consumer Credit ... |
| www.nfcc.org |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
| FreeCreditReport.com: Free credit reports and credit scores from Experian. Get your free credit report and credit score now. It's free, fast, and easy! |
| www.freecreditreport.com |
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| Compare credit cards | apply for a credit card | 0% balance ... |
| Compare over 300 credit cards, including 0% offers and balance transfers, and make a credit card application online... |
| www.moneysupermarket.com |
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| Ford Credit - Auto financing for Ford, Lincoln and Mercury cars ... |
| Ford Credit provides auto financing to finance a lease or purchase a car or truck through Ford, Lincoln or Mercury dealerships. |
| www.fordcredit.com |
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| The Credit Card Prank |
| In my lifetime, I have made nearly 15000 credit card transactions. ... Credit card signatures are a useless mechanism designed to make you feel safe, ... |
| www.zug.com |
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| Credit magazine, corporate bonds, derivatives, structured credit ... |
| Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
| www.creditmag.com |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
| www.cuna.org |
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| Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
| Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
| credit.about.com |
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