Credit Repair

Credit Repair after Bankruptcy

September 28, 2009

If you are just coming out of a bankruptcy, credit may be the last thing you want to think about. After all, it has just caused you considerable heartache and you may be gun-shy to jump back into the credit game. Let’s face it – current bankruptcy laws mean that if you were eligible to [...]

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Consumer Debt Settlement

September 28, 2009

If you are knee deep in debt, you may feel that there is no way out other than to file bankruptcy. However, current bankruptcy laws may prevent you from seeking Chapter 7 protection. And, even if you can, it is not always the best solution. Filing for bankruptcy should be considered a last resort option. [...]

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Credit Cards – Debt You Can Be Judged By!

September 27, 2009

Did you know that there is a new model that credit card companies are using called behavior scoring and it could lead to a reduction of your credit line? Due to increasing defaults, the business of data profiling is becoming more and more popular. According to an article from publicradio.org, the data profiling business is [...]

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Fixing Bad Credit – Avoid These Mistakes!

September 27, 2009

If you are interested in fixing bad credit, you are probably wondering if you need to hire a credit repair company. After all, you probably don’t know just how to fix bad credit. Credit repair companies may help you fix credit fast, but the reality is that the credit repair business is not known for [...]

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Fix Bad Credit – Understanding What Isn’t in Your Credit Report!

September 26, 2009

If you want to fix bad credit, the first step is to get a copy of your credit report. Obviously there are many places you can get your report. For more information on getting your credit report, check out this post: Credit Restoration Many people are confused over what they will find in their credit [...]

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Repair Credit Report : The First Step is Knowing What You are Looking at!

September 26, 2009

Reading a credit report can be difficult for anyone. They come in many different formats, and unless you are used to looking at them, it can be quite overwhelming. Lenders use the information in your credit report to decide if they are going to give you a loan. Your ability to understand what they are [...]

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Buying a House with Bad Credit

September 25, 2009

I get questions every day about the options people have when they are interested in buying a house with bad credit. Are there still options? Can you get into your dream home when you have less than perfect credit? The truth is, your options are much more limited than they were just a year ago, [...]

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How Do I Get a Mortgage After a Bankruptcy?

September 16, 2009

You would have to live under a rock to not understand that mortgage guidelines are getting tighter all the time.  This means that you want to qualify for a mortgage as soon as possible and once you do qualify you need to act quickly! FHA loans are currently the best way to go for most [...]

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Bad Credit Repair –7 Easy Strategies to Improve Credit Fast!

September 15, 2009

1. Pay Down Your Credit Cards! Ideally, you want to owe less than 25% of the available credit for each account. (No, it won’t help you AS MUCH to pay down your highest interest cards first or your lowest balances. You need to have EACH card paid down below 25% for the best possible score) [...]

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Establishing Credit When You Don’t Have Any!

September 11, 2009

Most people I talk to are interested in repairing their credit. Even people with good scores are now motivated to make them GREAT (i.e. 720+) due to tightened lending guidelines. While trying to repair damaged credit is certainly a challenge, there is something that can be even more difficult to overcome. What? NOT HAVING ANY [...]

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