Most of our credit repair clients think that having credit cards is dangerous or damaging to your credit. But if you really want to improve your credit profile, credit cards can be a big help. Having the right number of credit cards can account for about 30% of your overall credit rating. Credit cards can …
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for: ‘Credit Repair’
Repairing Bad Credit So You Don’t Have to Cut Corners
A poor financial situation sometimes leads to many of us cutting corners when it comes to our spending habits. Very often it’s because we’re spending too much money each month to pay off our debts. Interest rates for those with poor credit scores versus those with high ones can mean the difference of hundreds of …
Best Way to Improve Credit is an Emergency Fund
So many of our credit repair clients are with us because they never planned for a rainy day and hit a financial pothole that ruined their credit. If you missed my blog yesterday on how Emergency Funds Aren’t Always a Top Priority, I’d suggest seeing just how bad the problem is in this country. The …
Repairing Credit: a Beginners Guide (part 3 of 4)
Resolving Accurate or Verifiable Collections If you’ve already been through the process of having your credit report validated and/or corrected, you’re probably wondering what to do with everything on your report that disputing was, for whatever reason, unable to resolve. And this brings up a good point: the majority of people mistakenly assume that disputing …
Repairing Credit: a Beginner’s Guide (part 2 of 4)
How to Fix your Credit Report part two of our Repairing your credit guide Whether you’re planning on fixing your own credit or would like a credit repair company to help you, one of the first steps in any repair process is to make sure your credit report is true and accurate. That’s because: • 79% …
Repairing Credit: A Beginners Guide (part 1 of 4)
A lot of people tend to just jump right into credit repair programs without giving it much thought. But those that are truly committed to restoring their credit the right way make sure to do a little research before taking the plunge. That’s because when it comes to credit repair, it’s always important to consider …
Credit Repair Firms Finding that Credit Cards Aren’t Really Rewarding Consumers
Building positive credit is an essential part of the credit repair process. Many times we find that consumers aren’t making their decisions on interest rates or applicable fees, but instead on the rewards programs that the credit card companies are offering. But credit card incentive programs aren’t always as “rewarding” as they’d like you to …
Bankruptcy Back on the Rise – Are Foreclosures to Blame?
The deficiencies in our economy have clearly fueled home foreclosures and unemployment, but another statistic that’s on the rise in our troubled economic times is personal bankruptcy filings. This is noteworthy because new bankruptcy laws were enacted in October of 2005 to make it more difficult for consumers to simply abandon their debt. According to …
The 1st Step in any Credit Repair Plan
When most people begin repairing their credit, they’re eager to get things going and address their most pressing issues. And of course, credit report mistakes, collection accounts and unpaid debts are all things to be concerned about—and the sooner you deal with them, the better. But while so many are focused on getting results, they’re …
Fix your credit, or let it ride?
It’s definitely a risk. You can’t be blamed for being skeptical. And you won’t be judged for being cautious. If you’re already having credit problems, why would you want to risk throwing your time and money away on some repair service that may or may not do you any good? Being alert, being safe, and …
