Credit Repair For Free!

Many individuals struggling with debt are looking for a way out. Debt consolidation companies as well as other settlement and credit counseling companies offer much needed alternatives to bankruptcy filing to assist in erasing debt. However, these companies often charge a fee for their services and it is often necessary to work with them for an extended period. There are other ways to erase debt besides filing for bankruptcy or working with a debt management company. With a little ingenuity and dedication, one can improve their credit report and erase unwanted debt.

By far the easiest and most straightforward way to eliminate unwanted debt is by disputing transactions on your credit report. Even if you are responsible for a charge on your credit report, if it is old or outdated, or contains inaccurate information, you are at liberty to dispute the item with the credit reporting bureaus. Equifax offers a dispute button on their website when reviewing a credit report.

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Tags: Debt

Last fall, Judge Robert Mayor, our bankruptcy judge in Alexandria, tossed out the bankruptcy of a guy for lying on his forms about the value of jewelry.  This was a guy who owed a lot of money–upwards of $300,000–and he’s now stuck.

This was an extreme case–the guy had spent way over $100,000 on jewelry within two years of the bankruptcy.   (This is one reason I like the specific Experian report I want you to get.  experian.com/reportaccess.  That report gives me your balance history going back two years.  So if you put $100,000 on a jewelry credit cards–I’d know.)

Valuing jewelry at 2 cents on the dollar got this bankruptcy thrown out. About 12 cents on the dollar would not.

He valued it at about $2000.  Now Judge Mayor said the used value of jewelry is certainly not what you paid–but it’s a lot more than two cents on the dollar.

Judge Mayor said the guy knew about what it was worth.  About 12 cents on the dollar.  How did he know?  Because right before he filled in

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Tags: Bankruptcy

Triple score credit report is important in United Kingdom for each and every person. In last couple of years, incidents of identity theft have increased a lot. The worse scenario of this problem is that person does not know that his/her identity is being used by another person. Now days, many clever people use the credit score or report of another person to buy house or borrow loan from lenders. Even, many times, you receive the bills through email or mail for products you never purchased.

In recent time, triple score credit report has emerged as one of the best ways to secure your identity. With the help of this financial tool, you can protect yourself easily. In this option, a person is entitled to get one free credit report once in year from leading credit bureau. Once you receive your report, it is your responsibility to check every detail properly and precisely.

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Tags: Credit Report, Report, Score Credit, Score Credit Report

How to Recover from Bad Credit Loan?

Is your credit suffering due to bad credit loans? There might be a way for you to recover and rebuild your ‘once perfect’ credit score.

Get a copy of your credit report from the major credit reporting agencies, such as Experian, Equifax, and TransUnion. Look over your report for errors and get them removed or corrected. This may increase your credit score, and help you recover from bad credit loans.

Using secured credit cards can help you rebuild your credit. All that is required is a deposit to your secured account. This deposit will also serve as your credit limit. In order to recover from bad credit loans, do not go over the secured credit limit. Make sure that all transactions are being reported to the three major credit bureaus so that you can rebuild your credit. After you have re-established your credit worthiness, you can then apply for a regular credit card.

To recover from bad credit loans, try paying your bills on time to avoid more credit problems. Whe Read full article…

Tags: Bad Credit, Bad Credit Loan, Credit Loan, Loan

There is no answer without knowing more about the person and what is on the credit report.  Here is what everyone gets initially…….

We will need to review a credit report with you.  We want to do this not only to share information, but also to determine if we can help. We need to listen to what the goals are for you and then based on the review of the credit report we will develop a strategic plan to accomplish the goals.  Once we determine which program best fits you we would be able to tell you how long it will take and the cost of the program.

All fees are based on the scope of work of each individual……….based on what is on the report.  Until then it is FREE!!!!!!!!!

Tags: Credit, Credit Bad