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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 http://CreditBlossom.com, 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 http://creditblossom.com/Content/LetterGeneratingTool.aspx .

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 CreditBlossom.com. 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.

Dispute your Credit Report – I Know from Experience it Improves Credit Profiles!

October 25th, 2014 Comments off

When you dispute your credit report, there is a right way to do it that will earn you the best results. If you don’t use this method, the results you get can still be decent, but isn’t it better to learn the right way so you can get the most out of your efforts? Let me just outline the important aspects of disputing your credit report – the do’s and don’ts of the process. This will help you see the best success in the long run.

When you dispute your credit report, it is imperative that you be truthful. You cannot just dispute everything. To dispute your credit report, first you need a copy of your credit report. There are plenty of places online you can get this. You should be able to find them for free, but be wary when you do. Most of the time there are numerous ‘up-sales’ that you will have to resist. Be ware: you do not need these up-sale items. Just get the credit reports you went there for and be on your way to improved credit—it can be done for free!

Once you have all three reports from the three credit reporting agencies, you need to read them over so you know what you need to dispute on your credit report. This should be relatively simple. You’ll want to dispute the following:

1. Accounts that you included in a bankruptcy (if you had one) that are still reporting and/or still have a balance on them.

2. Accounts with balances that you have actually paid off.

3. Inaccurately reporting accounts.

4. Wrong information. This means anything—no matter how small of a detail is in error!

5. Wrong names.

6. Accounts that are not yours.

7. Judgments or Tax Liens that are paid off but are not updated to ‘satisfied’.

8. Wrong social security numbers.

9. Wrong addresses (i.e. addresses you have never lived at).

Once you have marked all such items, you dispute your credit report by making your credit dispute letters. The simplest way to dispute your credit report is to utilize some sort of credit repair software. But again, you should not have to purchase this software anymore!

Remember, self credit repair should be free! There is software available on the internet for free that will help you to automatically create your credit repair letters. This type of software program will enable you to create your credit dispute letters quickly, and it will take some of the guess work out of it. But keep in mind: be ware of upsales that you don’t need! And be ware of downloads too. There is credit repair software that is completely freely available and doesn’t require you to download it to your computer.

Credit Disputing – Learn Why the FTC Recommends You Do It On Your Own

October 24th, 2014 Comments off

If you need to take on credit disputing, your success depends on several factors. The difficulty level you should expect also depends on several factors. The most obvious factor is “How bad is your credit”? If it is quite a mess, there will be a fair amount of work to do. If it is only moderately messed up, you can expect to sink less time into the self credit repair process. But whichever is the case for you, let me assure you that you can see great results with credit disputing on your own.

Credit disputing consists of simply writing credit dispute letters to the credit reporting agencies to dispute accounts that you think are reporting inaccurately. Inaccuracies are common on credit reports. In fact, there are estimates that seventy-five percent of credit reports have errors on them! There are good chances that yours contains errors too, and it if does, your credit score will go up when you write those credit repair letters.

You may need to take some time to educate yourself on credit disputing and how to do it. This information is all over the web. Plenty of forums exist in which where people talk about their own experiences and how they managed–or didn’t manage–to dispute their credit report. This will help you learn.

Of course, you can do credit disputing through a credit repair company too, but do you know what the FTC has to say about credit repair companies? Check out the Federal Trade Commission’s website to see that their research and experience demonstrates that the average consumer can do everything a credit repair company can do for them, and we can do it for ourselves for only the price of the postage.

To learn the process of credit disputing for free, you should visit CreditBlossom.com. There you will find everything you need online–and for free. The siteprovides an awesome credit repair letter generating tool that you don’t even have to download to use. It also has video and written instructions, and it is absolutely free to the public.