how to remove bad credit

Best Advice on How to Fix Bad Credit

Posted on

I’ve have been asked from time to time about the legitimacy of credit repair, does it really work, can I do it myself, should I hire someone, things of that nature.

Let’s start by saying that repairing your credit report is becoming increasingly important. As the cost of financing begins to rise, the added cost of having poor credit compounds the amount you must pay, leaving less and less discretionary income. In addition, other services (car insurance, home owners and renters insurance to name a few) are looking at your credit report and charging you accordingly.

Knowing this makes it crucial to fix bad credit as soon as you can. Credit repair does work! It’s that simple. Whether you choose to do it yourself or hire a company it is worth doing.

The steps you must take will be determined by what is on your credit report. If you are dealing with late payments, public records like tax liens or a bankruptcy, you will need to deal with the credit bureaus.

If you are dealing with debt collections you will probably need to address both the credit bureaus and the debt collection companies.

Here is a video which details what to do in dealing with the credit bureaus. These are the first steps you should take.

Of course there are many other issues in rebuilding a credit profile and improving your credit scores. Due to the increasingly complex nature of a credit report, I do recommend hiring a credit specialist even if it is just for a short time. Get their expertise on what a top notch credit report should look like and their advice on how to achieve this. Many companies will give you that information for free before you commit to purchasing their program.  PLEASE SHARE

Advertisements

How To Repair Bad Credit with this Insider Secret

Posted on

Improve Your Credit Using What The Courts Use

100’s of millions of dollars have been paid out by all three credit bureaus in lost lawsuits based on a technicality in the law! This is the same technicality that can fix your bad credit and improve your credit scores!

The credit bureaus often require the plaintiffs to not disclose the reason they lost the case or the settlement amount because they don’t want the public to know.

Court Ordered Credit Repair

Fixing bad credit revolves around the vagueness in the law which covers HOW the credit bureaus are to accurately verify what they are reporting about you. It was never spelled out. The credit bureaus feel that all they have to do is accept what the creditors are telling them as accurate without seeing any actual documentation and that is enough. Leaving the burden of proof on that credit furnisher. However, the courts have absolutely DEMANDED that the credit bureaus go far beyond just accepting a third parties say so. The courts state that the law evinces the credit bureaus to do a thorough investigation, going far beyond reporting hearsay and that since they collect and profit by this information that they will be held liable when it is inaccurate, misleading or unverified. The courts have gone so far as to state that the credit bureaus are, “habitual repeat offenders of the Fair Credit Reporting Act”!

The Cost of Bad Credit is Too High

This is the very point of law which makes fixing bad credit possible. Because the credit bureaus are sticking their damn fingers in every part of your life, it is beginning to really have a financial impact on consumers. Therefore, it is worth the effort to learn about repairing bad credit and taking the steps to do so.Safe Haven Credit Membership Program

The Secret on How To Remove Bad Credit

Posted on

Want to know the secret to removing bad credit history?

The secret is, there is no secret!  There are hundreds of videos and thousands more websites all explaining why credit repair works.  The law protects you from unverified credit reporting by the credit bureaus.  And the credit bureaus DO NOT VERIFY what they report.  They merely accept third party hearsay.  In other words your creditors just tell them what to report, the credit bureaus never actually see any original documentation.

If there is a secret to removing bad credit from your credit report it is in the HOW.  Most consumer, trying credit repair on their own, flat fail when it comes to fixing bad credit mainly because they give up too soon.  The truth is, removing bad credit takes a good deal of time and a great deal of persistence.

Just because a negative credit item is not removed in the first or second letter does not mean it won’t be removed in the 8th or 9th letter.  Are you willing to show that much patience?  That is the secret of how to remove bad credit.

Don’t have the time? Don’t have the patience?  Consider hiring a credit specialist to help your remove bad credit and improve your credit scores.  A good quality, experienced credit repair company can be worth their weight in gold, because poor credit costs you considerably more then good credit!