Do credit repair services work? Which is the best agency to go through?
May 20, 2009 by Credit Repair Tips and Advice
Filed under More Credit Repair Answers
Can you answer mkstar214’s question about Credit Repair?:
I have paid for alllllll of my old collection accounts and I’m just waiting for them to drop off of my credit reports. I’ve been looking into credit repair service on line and wondering if they can actually help. All of the items on my reports are actually MINE and I did actually owe them, but they are all FINALLY paid off. Is there any hope to get them removed quickly?
Best Debt Consolidation Companies
I have paid for alllllll of my old collection accounts and I’m just waiting for them to drop off of my credit reports. I’ve been looking into credit repair service on line and wondering if they can actually help. All of the items on my reports are actually MINE and I did actually owe them, but they are all FINALLY paid off. Is there any hope to get them removed quickly?
Best Debt Consolidation Companies
Should I start a credit repair service?
May 19, 2009 by Credit Repair Tips and Advice
Filed under More Credit Repair Answers
Can you answer shai’s question about Credit Repair?:
I have been aswering questions for people on and off of the Internet and I have gotten at least twelve people asking me to help them with their finances. I am thinking it might be worth it to start a credit repair company. Most people are willing to pay $50 -$70 a month for my services. What should I do?
Bad Credit Mortgage Loans
I have been aswering questions for people on and off of the Internet and I have gotten at least twelve people asking me to help them with their finances. I am thinking it might be worth it to start a credit repair company. Most people are willing to pay $50 -$70 a month for my services. What should I do?
Bad Credit Mortgage Loans
The Gift of Credit Repair
May 18, 2009 by Credit Repair Tips and Advice
Filed under About Credit Repair
Credit Repair Just For You
The holidays are a time of giving, and a time for reflection. If you have credit issues credit repair might be the perfect gift to give yourself. But how should you get started? You can manage your own credit repair project, or you can hire a reputable credit repair service to do the work for you. Both options are reasonable, but which is right for you?
Starting Credit Repair on Your Own
Managing your own credit repair project can be very rewarding, but it will take some time and effort. Every single do-it-yourself advocate in the credit repair field will tell you the same thing; don’t do anything until you have done your homework. You may do more damage than good. So pick up a good credit repair book and settle in for a nice mid-winter’s read. Proper preparation will avert problems and insure credit repair success.
Get a New Frame of Mind
If you are going to manage your own credit repair project, it is essential that you embrace a whole new frame of mind about your credit report. In a nutshell, don’t believe your eyes. That’s right; it’s time for you to give yourself the benefit of the doubt. One of the worst mistakes you can make is to ignore derogatory items on your credit report simply because they look familiar. The vast majority of errors on credit reports are generated by real events and will look familiar, but should not be reported as a matter of law. As you take the time to educate yourself about credit repair you will understand how common these terrible errors are, and what you need to do to correct them.
Get Organized
Another great tip for anyone about to start the credit repair process is to get organized. You will need to dispute your issues with all three credit bureaus individually, so it is essential to treat each bureau as a separate project. Set up three files, one for each bureau and plan on keeping meticulous records of all correspondence. Examine each report individually and you will notice some surprising differences that you must incorporate into your credit repair efforts. You may be surprised to see that the bureaus often report different account numbers for the same accounts, and even different variations of creditor names. For the best results customize each bureau dispute to match the info they report.
Don’t Give Up
A final word of wisdom for your do-it-yourself credit repair project, don’t give up. If the item you disputed is verified you should re-dispute it. You have the legal right to demand that the credit bureau request proper research by the creditor. If you re-dispute an item raise your voice! As your studies continue you will learn all about your legal rights under the Fair Credit Reporting Act. Most good books on credit repair will point out that the credit bureaus won’t do much for you voluntarily. You must become your own advocate. Prepare to stand your ground.
Brush up On Collection Laws
Another tip of value is to familiarize yourself with your rights under the Fair Debt Collection Practices Act. Most decent credit repair books will include a section on dealing with collectors. If you ever had an account charged-off, or currently have any active collections make sure to read carefully. If you know your rights you can deal with collectors from a position of power, and that can make a world of difference in your credit repair project.
Or Hire a Credit Repair Service
If all of this is too much, if you have enough on your mind already, just hire a credit repair service. Just take the time to check them out, look at their Better Business Bureau rating, consider their years in business, and most important give them a call. I suggest you make a list of questions and have a chat. Hire someone you feel comfortable with and let them guide you through the maze to credit repair success. You can do it! Good luck!
Copyright © 2008 James W. Kemish. All Content. All Rights Reserved.
Thanks to Jim Kemish for contributing this article to our Credit Repair blog:
The holidays are a time of giving, and a time for reflection. If you have credit issues credit repair might be the perfect gift to give yourself. But how should you get started? You can manage your own credit repair project, or you can hire a reputable credit repair service to do the work for you. Both options are reasonable, but which is right for you?
Starting Credit Repair on Your Own
Managing your own credit repair project can be very rewarding, but it will take some time and effort. Every single do-it-yourself advocate in the credit repair field will tell you the same thing; don’t do anything until you have done your homework. You may do more damage than good. So pick up a good credit repair book and settle in for a nice mid-winter’s read. Proper preparation will avert problems and insure credit repair success.
Get a New Frame of Mind
If you are going to manage your own credit repair project, it is essential that you embrace a whole new frame of mind about your credit report. In a nutshell, don’t believe your eyes. That’s right; it’s time for you to give yourself the benefit of the doubt. One of the worst mistakes you can make is to ignore derogatory items on your credit report simply because they look familiar. The vast majority of errors on credit reports are generated by real events and will look familiar, but should not be reported as a matter of law. As you take the time to educate yourself about credit repair you will understand how common these terrible errors are, and what you need to do to correct them.
Get Organized
Another great tip for anyone about to start the credit repair process is to get organized. You will need to dispute your issues with all three credit bureaus individually, so it is essential to treat each bureau as a separate project. Set up three files, one for each bureau and plan on keeping meticulous records of all correspondence. Examine each report individually and you will notice some surprising differences that you must incorporate into your credit repair efforts. You may be surprised to see that the bureaus often report different account numbers for the same accounts, and even different variations of creditor names. For the best results customize each bureau dispute to match the info they report.
Don’t Give Up
A final word of wisdom for your do-it-yourself credit repair project, don’t give up. If the item you disputed is verified you should re-dispute it. You have the legal right to demand that the credit bureau request proper research by the creditor. If you re-dispute an item raise your voice! As your studies continue you will learn all about your legal rights under the Fair Credit Reporting Act. Most good books on credit repair will point out that the credit bureaus won’t do much for you voluntarily. You must become your own advocate. Prepare to stand your ground.
Brush up On Collection Laws
Another tip of value is to familiarize yourself with your rights under the Fair Debt Collection Practices Act. Most decent credit repair books will include a section on dealing with collectors. If you ever had an account charged-off, or currently have any active collections make sure to read carefully. If you know your rights you can deal with collectors from a position of power, and that can make a world of difference in your credit repair project.
Or Hire a Credit Repair Service
If all of this is too much, if you have enough on your mind already, just hire a credit repair service. Just take the time to check them out, look at their Better Business Bureau rating, consider their years in business, and most important give them a call. I suggest you make a list of questions and have a chat. Hire someone you feel comfortable with and let them guide you through the maze to credit repair success. You can do it! Good luck!
Copyright © 2008 James W. Kemish. All Content. All Rights Reserved.
Thanks to Jim Kemish for contributing this article to our Credit Repair blog:
Jim Kemish, a nationally recognized consumer advocate, is the president and founder of Sky Blue Credit Repair, a leading credit repair service since 1989. Jim is also a regular contributor to The Credit Repair Blog, a prominent consumer resource.
I’m searching for information on online credit repair services. Do they work? What improvement can be expected
May 12, 2009 by Credit Repair Tips and Advice
Filed under More Credit Repair Answers
Can you answer fixdaback’s question about Credit Repair?:
Is investing the money for credit repair wothwhile? Are the results satisfactory from an accredited repair service company? I am looking for first hand experience and reference from someone who has used an online credit repair service.
Line Of Credit Bad Credit
Is investing the money for credit repair wothwhile? Are the results satisfactory from an accredited repair service company? I am looking for first hand experience and reference from someone who has used an online credit repair service.
Line Of Credit Bad Credit
What is a good credit repair company?
May 11, 2009 by Credit Repair Tips and Advice
Filed under More Credit Repair Answers
Can you answer c-limeade’s question about Credit Repair?:
I am aware that I can do this myself but I don’t have time to do it myself. Can anyone refer me to a good legit credit repair service. This question is ONLY for people who have used a credit repair service so please don’t answer if you haven’t used one. I don’t have any bankrupt or liens or anything that serious, but I do have a lot of collection, late payments, 1 charge off, and 1 repossession and a lot of inquires.
Information For People With Bad Credit
I am aware that I can do this myself but I don’t have time to do it myself. Can anyone refer me to a good legit credit repair service. This question is ONLY for people who have used a credit repair service so please don’t answer if you haven’t used one. I don’t have any bankrupt or liens or anything that serious, but I do have a lot of collection, late payments, 1 charge off, and 1 repossession and a lot of inquires.
Information For People With Bad Credit
