Posts Tagged ‘emergency credit card’

Free Credit Repair Information – Things to Look Our for in Your Quest for It

July 10th, 2015 Comments off

The credit repair industry is an enormous industry at present. It seems like companies are popping up in every corner. Also, there are online sites showing up all over the Internet about credit repair. A lot of them are designed to give you information for free to confuse so much that you’ll click on a credit repair company’s ad. Others actually do want to give you good help and good free credit repair info. The fact is that credit repair is not difficult if you understand it and if dealing with credit has been part of your profession. However to the ordinary person, it can be a puzzle.

Having researched the topic I would like to provide some tips for good sources to check out for free credit repair information. The first source to check out is the Federal Trade Commission. Simply search “FTC credit repair” and it will be the first link in Google. Read that page and read the PDF file too.

The next useful place to visit is credit repair forums. There are many on the web. Users there often ask about things, and people with real experience, even professional credit repair agents, provide answers to the questions. However, you could read for days on these forums. They will all offer you the basics and they all go into depth on many aspects of free credit repair information. These are very worth your time and energy.

One other excellent thing to seek out is sites that provide software people can use to produce personalized credit repair letters. There are a few of them out there, but you may have to do some searching to find them. After all, they are free services so they don’t have ads all over the net. Just be aware that there are sites where you can use this software for free. And they shouldn’t require you to download anything to your computer to use it. If they ask you for your credit card information or to download something, my advice is that you leave that site. Look for “self credit repair” and be looking for services that offer truly free use of software online. They can help you produce your credit dispute letters in a matter of minutes.

Matthew Wierzbinski is the owner of, which offers both written and video instructions on how to repair your own credit. It also offers the public free use of its amazing credit repair letter generating tool, the Credit Repair Letter Wiz™, which can be found at .

Free Credit Dispute Letters – Finding them, Fixing Them, and Using Them

October 30th, 2014 Comments off

A quick search on the web will find you an abundance of free credit dispute letters. There are plenty of them. First, though, look on the FTC’s credit repair web site. This site gives you the fundamentals of credit repair and they also give you a free credit dispute letter sample to use for free.

Whichever free credit dispute letter you want to use, do not stop there. You should find 3 or 4 different free credit dispute letters that you can use. You don’t want to use just one letter template to create all your credit repair letters with. Finding a variety of templates to use will result in a higher success rate with your letters.

Additionally, you should not use the free credit dispute letters you find just as they are. You should alter a few words, and you should use multiple font sizes and styles. Putting in a couple of typos can also make them look more ‘original’. Make sure that the letter is legible when it is printed! If it’s at all illegible, the person with the credit bureau dealing with your credit repair letter will not even bother to try to read it. Tell the credit bureau how distressed you are about the things that are reporting incorrectly on your credit report. Don’t use foul words, but do be forceful.

Whatever website that you find your free dispute letters should also give you a good idea what information you need to include in the credit repair letters so that you make your dispute correctly. You can also find resources online that enable you to generate the credit repair letters using a free, online credit repair system. This will make your life a lot easier since it will save you the trouble of having to actually write out the letters or find templates. One such excellent service is This website walks you through the process and helps you automatically produce your self credit repair letters.

Emergency Credit Cards and Your Financial Future

October 29th, 2014 Comments off

If you are in a situation where it is very important that you start start building your credit very quickly; you should look into getting an emergency credit card, but do so cautiously. You can find plenty second chance credit card offers out there. None of them are going to roll out the red carpet for you if you have had some significant credit problems, but they will do business with you, of course. The key to being smart in this situation is to be prudent in the use of the card. I’m sure you can understand why they are going to have to view you as a high risk if your credit is not good. Some of these companies will even charge you a fee for their service. Some will charge a fairly high interest rate. Others may only offer you a secure credit card (which is like a debit card and it reports to the credit bureaus, which can be an excellent choice for you, because it will enable you to build positive credit).

No matter what kind of emergency credit card you end up getting, you need to make certain it is one that can help build your credit. The following tips will help you find one that is good for you.

First, you have to know your situation and you may need to get a credit report to do that. If you know your credit is really poor, then you should consider getting a credit card that will not check your credit. They are out there! Most of the time, they are ‘credit builder’ emergency credit cards. Usually, this type of card will be a secured credit card. This means you will ‘load’ the card with cash, similar to a debit card, and whatever amount you load onto your card is your credit limit. But before getting this sort of card, you have to make one hundred percent certain that they DO report to the credit bureaus. This is enormously important because if the credit bureaus don’t receive reports on your use of it, then it cannot help improve your credit.

Second, if your credit has some problemsyou know your credit has issues but isn’t horrible, then you might be able to get for an emergency credit card that does require a credit check. This could be a better choice in your case as your terms and fees might be a lower than the above-described card.

Either way, here are some points to keep in mind to keep your fees down.

1. Be sure you pay off your credit card each month.

2. Do not carry a balance on your card because you cannot have to pay interest if you don’t carry a balance.

3. Try hard to steer clear of annual fees. Ask them to waive the fee once you have been a card member in good standing for a little while.

4. Emergency credit card companies make money each time you swipe their credit card. Feel free to swipe it a lot, but pay those swipes off as often per month as you can. Most cards will let you pay off your card online. Do this! That way you can keep everything in check, and it will better equip you to think that spending money on your card, it is just as if you were spending cash. This is really key. This is essential to your success.

Credit Repair Basics – Do it Yourself!

July 18th, 2014 Comments off

Credit repair does not have to be that involved. To repair credit, you have to do some simple tasks. Of course it depends on your unique situation, but if you are like most people who need credit repair (and you probably are), simply sending out basic credit repair letters will improve your profile dramatically.

So what do we mean by “most people.” Well, the economic situation is unstable, of course, and there are a lot more people without jobs, losing their homes and cars and assets. This is not what is meant by ‘most people.’ The common person in need of credit repair is like this: twenty something, made some pretty poor financial decisions when they were younger, hasn’t yet quite figured out how to fix it. Or, they are someone who had a tragedy or loss of income and had to file bankruptcy. Such people can typically expect to see drastic improvements after credit repair, especially if there are still several old accounts showing up on their credit report.

When a person undertakes credit repair, the first obvious place to start is by getting their credit report. This is an essential step and there are a lot of good places to get your credit report online. But there’s no need to buy any of the ‘up’ sales. When you get a free credit report, these sites allow you to do that because they think they can sell you something else and that’s where they make their money. You don’t need those extras though. Just get the report.

When you look it over, try to determine what things you think should not be on there. That is what you are going to dispute. When you dispute those things, you need the account name and account number for the credit dispute letter. That is what you put on the credit repair letter.

Credit dispute letters exist in many varieties. They should look like they are coming from a ‘real’ person, so there’s no need to make them perfect, but you need to get your point across when you write these credit repair letters. There are a lot of form letters you can find on the web. The FTC even provides one. You should personalize the letters a bit, as these letters have no doubt been used thousands of times. Just change some of the wording or change up the letter a bit. This will help you in the long run because the credit report companies scan these letters looking for letters that look the same so they can call them ‘frivolous’ disputes and throw them out.

Don’t be overwhelmed by the self credit repair process. Credit disputing is not terribly complex. Just do it and get on with your life.

Matthew Wierzbinski is the owner of, which offers both written and video instructions on how to repair your own credit. It also offers the public free use of its amazing credit repair letter generating tool, the free and easy Credit Repair Letter Wiz™, which can be found at .

Credit Repair Scams – Consumer Be Ware!

July 17th, 2014 Comments off

Of course there are a few good credit repair companies out there. It’s the same as with most businesses, there are good ones and those you need to be wary of. However, since credit repair companies deal with people who are a bit vulnerable and down on their luck, they tend to attract the “used car salesman” type of people to do their sales. This is unfortunate to say the least because credit repair really does work and there is no reason to get scammed or overcharged by an unscrupulous service provider. Too often their objective is more to make money instead of trying to help you.

Some time ago when I was doing some research for a website I was building, I actually called a couple credit repair companies to see how I would be treated. I didn’t need credit repair, but I knew a lot about it. I pretended to be a person needing credit repair and gave them a scenario of a situation I might be in. At first the guy was nice, but as I asked more questions, he started to get a bit rude to the point where he was basically calling me an idiot. It was almost comical on one hand. On the other hand it was pretty sad, as I am sure there are many actual consumers who have been maltreated by this guy hoping first to make a buck rather than hoping to help out his caller.

Now, no one is saying that people should not earn a profit for providing a service. But I can tell you from experience that if your primary objective is to make money, you won’t have as good a service as if you set out to help people. Isn’t that the golden rule of the service industry? I think so.

So how do you sift through so-called credit repair services? How can you tell who to work with? Here are some bullet points that should help you pick through the bunch:

Work with someone local so you can physically see them and make sure you are comfortable with them as a person.
Work with someone local that has a reputation.
Work with someone local because you can go to their office to keep them accountable.
Be ware of incredible claims – if they claim to be able to get rid of things like debts you actually owe, you might want to go elsewhere. If they are clearly just trying to ‘sell’ you on their service, then you might want to look elsewhere.
If they are going to charge you more than $600 – $800, you should look elsewhere. Credit repair is not very difficult. Most companies use credit repair software to generate the credit repair letters and it takes them very little time. It is mostly data entry that dumps into form letters that they mail out or ask you to mail out.
Consider doing self credit repair, which basically means taking a little extra time to do what credit repair companies would do, but at no cost to you.
Best of luck!

Matthew Wierzbinski is the owner of, which offers both written and video instructions on how to repair your own credit. It also offers the public free use of its amazing credit repair letter generating tool, the free and easy Credit Repair Letter Wiz™, which can be found at