credit repair blog – fix and clean credit

Question by vrc: What do I need to do to fix my credit with collections in my report?To make a long story short…i have pretty bad credit after having selfsame good credit!!! There are things I plan on doing in the furture that requires good credit so i am trying to commencing fixing it! However, [...]

Michael Saunders asked: Regarding the ability to fix bad credit, consumers have a very important right found in The Fair Debt Practices Act. Namely, consumers have the right to have a collection account validated.Outlined in the FDCPA, there is a process known as validation and it is significantly different from the common process of verification. [...]

gabriel i asked: I am 30 years old and I have bad credit for many different reasons. I would list my excuses but it does not matter. I really want t to fix my credit. I have like 4 good accounts and the rest (12-15 accounts) are bad. They are all in collections and I [...]

Chris Rutherford asked: Your credit score has a big impact on everyday financial situations such as: What interest rate you pay on a credit card, whether you can rent an apartment, whether you have to pay a deposit with your utility company, whether you can qualify for a home loan, and maybe even a potential [...]

Mike Clover asked: If you want to find an industry with a horrible reputation look no further than credit repair. Over the years I have seen countless companies coming to my office wanting me to send all of my applicants for a mortgage who had bad credit to them. Most of them stated the same [...]

Stephanie N asked: I am trying to repair my credit by sending debt settlement letters to the collections agencies listed on my credit report, but they are not being cooperative. Most are saying they CANNOT settle the debt nor are they willing to delete the listing from my credit report after the debt had been [...]

Anne Hammel asked: Selecting a credit repair company to help you improve your credit score is a big decision. A typical credit repair service will cost you a few hundred dollars and will take up to a year to complete their service. Choosing the wrong credit repair company can end up wasting money and perhaps [...]