It’s that time again! A new year is rolling in, and with it come new opportunities. Do you need to repair your credit? Have you been postponing the decision? Many great opportunities have nothing to do with your credit, but others may, and you don’t want to miss out because of a low credit score.… Read More

The credit repair business requires a clear grasp of the interaction of many factors. Credit bureaus, creditors, and collectors are each regulated under their own set of federal laws. There are state laws that may supercede the federal laws. In the background of all of this activity is Fair Isaac and Company that formulates your FICO Score based on the makeup of the information on your report.… Read More

If you have been through tough times and your credit has suffered you may find it hard to think about credit repair; it’s intimidating, scary even. The first step is always the hardest. It takes courage. Self-improvement programs can be like that, it may take a running start to get moving.… Read More

• Time passes
• You can do something about your bad credit

Another Year

Here we are at the end of another year. And before you know it, 2011 will pass as well. Wouldn’t you like to be celebrating the next New Year’s Eve with great credit?… Read More

1. Rebuild Your Credit

We can’t stress this first recommendation enough. Opening new accounts after a period of bad credit is the best thing you can do for your FICO scores. We recommend opening two credit cards. MasterCard and Visa are the best choice, and secured cards are 100% fine.… Read More

Credit repair can produce wonderful and quick results; credit bureau disputes can remove offensive errors while there are many credit score optimization tricks that can bump up your scores in no time at all. But some of the work you will do to improve your credit will require time.… Read More

Many people that visit credit repair forums read about Section 623 of the Fair Credit Reporting Act (FCRA), which outlines the so-called rights of a consumer to dispute questionable information directly with the OC (original creditor). Although often touted as a useful credit repair tool that imposes responsibilities on the OC comparable to those imposed on the credit bureaus under Section 611, Section 623 is not what is seems.… Read More

Do something good for yourself every day. Work hard and live well. And take advantage of great opportunities as they arise. Credit repair is one such opportunity. You credit has never been so important. Creditors have become hyper-sensitive to scores and will quickly adjust your interest rate according to the level of risk they perceive.… Read More

If you want to repair your credit and improve your FICO scores you need to make sure your foundation is solid. There is little point in investing time or money in credit repair services if there is a likelihood of backsliding.… Read More

In spite of the FTC self-help credit repair campaign, the fact remains that there are few people capable of managing the job of credit repair on their own, at least to the extent that the full potential of the process is realized.… Read More