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Credit, Money and the Home
Did you know that money is mentioned in the bible more times that heaven or hell? Does the idea of telling your spouse what you spent on marketing send chills down your spine? Why? Because you have nothing to show for it…yet? Do you have a set...
Debt Help Online - How To Rebuild Your Credit By Consolidating Debt
By consolidating your debt you can rebuild your credit by making
on time payments, paying off your debts, and increasing your
cash reserves. Depending on your debt load, you can improve your
credit situation within two years, enabling to qualify...
Do you want to get a new credit card at a great rate?
1)Do your homework. Applying for and getting approved for a credit card is nothing more than legwork. Credit card contracts can sometimes contain onerous terms that might make you sorry that you signed up for the new card that you did. Read the fine...
Protect Your Credit
Protect your Credit
Because identity theft and credit card fraud are among the
fastest growing crimes in the U.S., there are several steps you
should take immediately if your credit card becomes lost or
stolen, or if you find bills in your...
Qualifying for a Poor Credit Business Loan
A poor credit business loan is designed for a business person or
persons with a poor credit history.
In the life of a business, virtually all come across a time
where extra money is needed for business growth, expansion, a
new venture, or...
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Steps to Credit Repair
Credit repair is not always easy, but there are solutions
available to help us get out of debt. We all have bills and
sometimes those bills are outrageous. Paying bills is ongoing,
there is no escape so the best possible solution then is asking
for help and working to repay your debts. The changes in law are
making it difficult for consumers to restore their credit, yet
some rules to the law make it possible to get all three of your
credit reports for free.
If you have a credit history of negligence you need to get
copies of your credit reports to make sure no false allegations
were made against you. If the creditors or bureaus file a false
claim on your credit report you might be eligible to sue the
computers. If there are claims against you on your report the
first step is to file a dispute against the claims. This can
delay your payments and if you don't owe the bill it can free
you from the debt once the bureaus find that you are not
responsible.
It is important that you contact the bureaus as soon as
possible if you notice any claims made against you that you
believe are not your responsibility. Experian, TransUnion, and
Equifax all have a dispute hot-line available. Disputing is a
step in the right direction for repairing your credit. The
majority of information on your credit reports is from banks,
credit card companies, utilities providers, judgments, and so
on. Your information generally stays on your credit report for
at least 7 years. Positive results often stay on your report for
around 10 years. Tax liens often stay on your credit report for
around 15 years and bankruptcies often stay on your credit
report for 10 years. If you have any debts on your credit report
that do not belong to you, it is wise to file a dispute
immediately. The bureaus will investigate the accusations made
against you and if they find it is wrong, then they will remove
the claims.
If the information on your credit report has no resolve then the
companies will often delete or modify the claims against you.
This is why it
is important to keep track of your credit report.
You can also view your credit score from the reports and get
details on how your score is affected. If you see that there are
claims against you that is your responsibility and can't seem to
find a solution, it is wise to get educated. If you believe
credit repair companies that claim they can remove items from
your report and lower your monthly bills, then you are misled.
Most of the companies are regulated by the law. This means the
government has reason to believe that the companies may mislead
their consumers. Therefore, most of the companies that claim
they can get you out of debt in little or no time are often
waiting to take money from your pocket, while putting you at
risk of loosing your assets. If you need help or support with
your credit then it is wise to go to sources that offer
counseling at the National Foundation for Credit Counseling. The
representatives are highly trained in helping consumers find a
solution to remove debt.
They will also help get the creditors off your back. It is
important to know your rights if you are in debt and searching
for a solution to repair your credit. Building credit that has
been affected is difficult in most cases, but never impossible.
Millions around the world at one time or another has some
financial change that has affected them negatively. Therefore,
you are not alone and there are many that are aware of this
fact. The Consumer Response Center is a great source for finding
information about your rights. In some cases, some of us have
more rights than others.
Victims of Identity Theft or Military Personnel that have been
robbed of their identity have more rights than people delinquent
of paying on time. Knowing what is available to you is the first
step to repairing your credit and getting back on track.
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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