Having Bad Credit Can Ruin Your Life. Do you need help to Repair you bad credit?
Are you tired of being turned down for loans because of your credit score? How about when you apply for credit cards and always get declined. Not getting that job you really wanted because of your bad credit? It's embarrassing and can affect your life in a very negative way. Rebuilding your credit is not impossible. It takes time and hard work and in most cases won't even cost you any money. There are laws and regulations passed to protect the consumer and what can be shown on your credit reports. The more you understand your rights the better chance you have at taking control of your credit and making it work for you. Credit is like loyalty; easy to destroy and hard to regain. We're not selling you any "fix your credit overnight" scams, we're not selling anything. We just offer good advice for good people on how they can take control of their lives and not let credit decisions hold them back. What you read on this website are time tested and proven to work strategies that will direct you on the path to good credit.Do you know what your credit report says about you? Everything the bank wants to know about how trustworthy you are and whether they will loan you money or not.
The first thing to do is get a free credit report. Without knowing what your credit score or what negative marks you have on your report you have no way of disputing it. This is always the first step in credit repair.
Second, for a low monthly fee you can retain the services of a professional law firm such as Lexington Law or Ovation Law Group. If you don't have the money to invest in these stellar services, you can do it yourself with dispute letters.
Once you know your credit score and have viewed your reports, you can proactively monitor your credit changes by signing up for an aggressive credit monitoring service. I honestly don't know how people ever lived without this service. Not only does it assist you in correcting and rebuilding your credit but also helps protect against identity theft. A small price to pay for a peace of mind.
And last, sit back and enjoy life with your new and improved credit ranking. Get lower rates on loans and get instant approval on credit cards.
Know Your Credit Rights! What they don't want you to know.
As a credit attorney, I see people with items on their credit bureau reports that should have been removed years ago. They were declined credit because it was affecting their FICO score and that is the only thing most creditors use to base their credit decisions. Did you know that there was a timeline in which negative items can show up on your credit report? It is the reporting credit bureau's obligation to you, the consumer to show accurate information. Based on the Freedom of Information Exchange Act, if they [Credit Bureaus] don't report accurately they must remove the information from your report. The burden also lies on the reporting agency to validate the report for its accuracy.
How I got my FICO score from 515 to 720 and not spending a lot to do it.
by Robert Brenner
This is the story of how I took my FICO score from a horrible 515 to an almost stellar 775 in a little over a year. A lot of work was done and it wasn't easy but I stayed on top of things and my credit score approved tremendiously. I first started off by getting my credit report and finding out just why my credit was bad to begin with. After I reviewed my credit report a good friend of mine told me about Lexington Law Firm. They are a credit law firm that helps remove negative items from your credit report. While they were doing their work, I went to do mine. I then got a $500 secured credit card through Orchard Bank. From there, I decided to piggy-back someone else's credit. Lucky for me I had some friends that had good established credit and were willing to add me to their accounts. > Read Entire Article
