Credit Repair Services A They Scam? Let’s Find Out

Credit Repair Services Are A Scam According To Experian, Equifax and Transunion Credit repair services are they a scam? I find it interesting on how the Big 3 (Experian, Equifax and Transunion) claim that credit repair services are a scam. Lets dissect this a bit shall we....Now first of all I think its important to [...]

Credit Repair & Failing to Properly Validate Accounts

First it’s important to make sure you get reports from all three credit bureaus (Experian, Equifax and Trans Union) so that you have a full picture of your credit history. Some companies only report to one agency. Some report to all three, but if you are committed to repairing your credit, you need all three so that you don’t miss anything. Then go over your credit reports carefully. Check to see that there are no errors such as a bill you have paid, but that is still being shown as owed. People at credit bureaus are human too and make mistakes just like you! If you don’t call attention to these mistakes, no one else will. […]

Credit Repair Tip #3 – Improperly Paying a Collection

This is an all to Common Credit Repair Mistake It might seem logical that if you pay your bills in collection, your scores will increase. BUT FROM A CREDIT PERSPECTIVE, PAYING A BILL THAT HAS BEEN TURNED OVER FOR COLLECTION MAY BE MORE DAMAGING THAN IGNORING IT. […]

Quick Tip: Original Creditors

When in the process of Credit Repair, if the original creditor has no records of the account your disputing, a particular negative account that may be hurting your credit reports and credit scores, call or write the Credit Bureau's back and tell them that original creditor has no records of the account. Next request that [...]

Facts & Fallacies of Credit Repair

There is lot of information available about credit repair, but so much of it is conflicting, it’s easy to get confused. The credit bureaus themselves would like consumers to believe that there is nothing they can do to improve their credit ratings. There are unscrupulous credit repair companies that guarantee miraculous, instant jumps in credit scores… and then there are legitimate credit repair agencies that provide services that give consumers realistic and reasonable results. Please know Credit repair is done properly is valuable. […]