When your credit score drops too low, it can be a true nightmare. Let's learn some techniques to repair your credit score! Technique #1: Get yourself educated about your credit score. Many people erroneously assume that their credit score is as it sh...

Credit repair is one of those topics that most people are not familiar with and many of those that think they are, do not have a correct understanding of what credit repair really is. To help provide an introduction to the concept, provided below are...

There are few topics as polarizing as credit repair. Depending on who you talk to, credit repair is usually thought of as impossible, illegal, something you can only do yourself, or something you need professional help to perform. Rarely do you find...

Starting your Credit Repair Tune Up: Get Your Reports A credit repair tune up does not have to be hard. If you break up the project into smaller tasks the whole job will be a breeze. Dont be intimidated. Take it slow and you will get the job done. E...

As an American, it's hard to walk down the street without somebody wanting to check your credit. If you have poor credit it's important to learn techniques to improve your credit rating! Here are some of the best ways to do it: Tip 1: It's important...

Cease Communication Letters Cut Two Ways Bob and Sue were reading about credit repair and the Fair Debt Collection Practices Act on the internet. They came across information about Cease Communication Letters which would force a collector to stop ca...

In years past, the credit repair industry was tainted by fly by night credit repair clinics and other credit fixing scams. Despite the need that many people had to get help with repairing their credit, it was hard to find a credit repair company they...

There is something that you need to understand-- the less you know about credit cards, the very more likely you are to fall into credit card debts; it is possible to protect yourself against this by being knowledgeable about credit cards. You have to...

Your Credit Repair Lifeline No matter how bad your credit might be there is a quick way to get your credit scores moving in the right direction. The FICO scoring model places considerable weight on your ability to manage your debt; and credit cards...

The Need for Credit Repair In 2003 congress passed an important amendment to the Fair Credit Reporting Act. The amendment, known as FACTA, required Equifax, Experian, and TransUnion to provide consumers with a free credit report, upon request, once...

Getting the Collection Letter Many people in credit repair programs have received collection letters. Sometimes the credit repair effort itself can attract a collector, but you can turn the situation to your advantage. Collection letters are designe...

The first difference between the legal system and the credit system is that in the legal system you are innocent until proven guilty. In the credit system, the exact opposite is true. In the credit system you are assumed to be guilty as soon as a cre...