Drowning in debt, your life doesn’t have to became a “nightmare”
We like you know many people who have hit rock bottom many times through no fault of their own. There are a number of items that can cause individuals to have a bad credit history including loss of jobs, medical bills, unpaid debts, charge offs, tax liens, collections, bankruptcies. All of these negative items can contribute to a negative credit history. We want you to know your options when considering cleaning your damaged credit history. Individuals can use a wide variety of tactics to avoid or fix a negative effect on their credit history.
Stop collection agencies from bombarding you with phone calls and certified mail. Stop constantly being harassed by debt collectors telling you will have bad credit if you didn’t pay. But debt collectors can’t squeeze blood from a turnip. Many people know about credit counseling and debt settlement companies, but they can’t pay the monthly payments required from these companies.
Now you are starting on your road to credit repair. Our Credit Repair articles give you instructions on how to start repairing your credit on your own for little or no money through disputing negative items on your credit report. Did you know most creditors can’t prove the negative information they report? There are also articles on mortgages in connection with your credit score.
Where to start–All credit bureaus are required to give out one free credit report per year. You can order your free annual credit report online at www.annualcreditreport.com, by calling 877-322-8228, or by completing the Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. When you order, you need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage payment or the last address you lived at.
Note: The Credit Bureaus aren’t required to give you your credit score for free. If you want to order your score in addition to your free report, it’s about $5.95 per bureau.
Anyone with a low credit score can tell you that damaged credit sucks. Fortunately if you have a little money to spend and you want a step-by-step guide to fixing your own credit then 37 Days to Clean Credit is the E-book for you. Thousands of people have been able to improve their credit score by repairing their credit reports. If you have had difficulty getting reasonable loans in the past, raising your credit score through credit repair can help you qualify for lower interest payments. These lower payments can help you purchase a new car or even get into a new home.
Even if your credit score is good enough to get a loan, improving it by just a few more points can save you thousands. Using credit repair to increase your credit score from 680 to 720 can save you a hundred dollars or more per month on your mortgage payment; a savings of tens or even hundreds of thousands of dollars over the course of your loan.
