If you have debts, collections, late pays, or a bankruptcy that is affecting your credit scores and your ability to buy a home, a car, or get a personal loan at a reasonable rate, etc… If you have these issues, there are really only have 3 choices…
1. Pay Your Creditors– Much easier said than done.
2. File Bankruptcy– but should be a last resort.
3. FIX YOUR CREDIT
Remember, The worst thing you can do– is DO NOTHING! Credit issues do not fix themselves.
If you’re serious about repairing and bringing up your credit scores, you NEED a current tri-merged report, and you should have credit monitoring. Without Credit Monitoring, there is no way to effectively track your progress. You can either do it yourself with the help of a free Credit repair kit, OR eliminate the headache and let a company handle it for you, or even let another company take on the responsibility of restoring your credit. But remember, the worst choice you can make is the choice to do nothing.
Keeping you confused about your credit score is the game of the credit bureaus. Mystery is not a good thing. You need clear, accurate information.
By following some useful guidelines, you can:
Remove ANY negative information from your credit reports on your own legally!
Improve your Credit Scores by as much as 200 points within 45 to 60 days.
Stop ANY collection agent from calling and harassing you at home or at work. Without filing bankruptcy.
Rebuild your credit to a positive standing WITHOUT borrowing more or applying for any loans or credit cards.
Use the law to force the credit bureaus and creditors to comply with your wishes.
The credit bureaus are publicly traded companies in business to impress stockholders. They are not government agencies. They are one of the most heavily regulated industries. The strict regulations stem from a public out cry of abuses and mistakes. A recent survey by an independent research group revealed more than 70% of credit reports contained mistakes or errors. The prevalence of errors has lead to consumer protection legislation that allows consumers to challenge the bureaus and force the removal of inaccurate, outdated or unverifiable information.
The Fair Credit Reporting Act was designed specifically to provide a way for consumers to force the removal of erroneous, outdated and unverifiable information from their report. Additionally, The Credit Repair Organization Act was passed to govern credit repair companies.
Again, you can either do it yourself with the help of a free Credit repair manual, where you get details of the relevant federal laws that were enacted to protect you, OR eliminate the headache and let a company handle it for you, or even let another company take on the responsibility of restoring your credit.
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