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Tony Banks asked:




Hundreds of people have gone through foreclosures and, interestingly, have bounced back from its effects. The fact that you had a challenge in this area means that it is most probably listed in your report. How do you raise your immune level to reduce the impact of such an account on your financial report?

You will actually start from getting your credit profile from the bureaus to know whether the foreclosure was reported or not. Take a look at the three versions of your file: Experian, Transunion, and Equifax and look out for any foreclosed account.

Once you find any, your next move should be to find out how long the account has been placed on your report. If it has exceeded the required duration which the Fair Credit Reporting Act allows, then you should take immediate action to get it deleted.

If on the other hand, there’s a foreclosed account on your report and you are not responsible for it in any way, you should dispute it to the extent that it gets deleted.

In any of the two cases, you will need to write a dispute letter to the reporting agency that has it listed on its own version. If it is listed on two or three of your reports, then you will be writing two or three dispute letters to the different bureaus. For the fact that you sent a letter to one reporting bureau does not mean it will be deleted off from another bureau’s version of your report.

If, however, you are using the services of a professional credit repair agency, you need not worry as the fee you pay to them covers this aspect also. Their job is to do every repair work to give your financial profile a face lift.

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www.JustCardOffers.Com Fix credit score fast by paying down your credit cards. Paying off your installment loans can help your score, but not as dramatically as paying down revolving accounts.

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Irena Bocheva asked:




Clean credit history can only be achieved with the right amount of financial discipline, budget planning and dedication. At least that’s what the mainstream credit advisers preach. In reality there are easier and faster ways that can take you to a better credit. Here are 3 simple tips that will help you understand how fast credit repair methods work.

1 Do you know your legal rights when it comes to credit repair?

A lot of people trying to fix credit overlook the importance of their legal rights. In accordance with FCRA( the Fair Credit Reporting Act) you have the right to dispute any outdated, erroneous, incomplete, ambiguous, questionable or biased info in your report. And credit bureaus have to cooperate. They are given 30 days (45 days if you used the service of annualreport.com) to conduct an investigation and come up with a decision on your case. You also have the right to dispute directly with the companies reporting to credit bureaus (the so called dispute 623). By law you can dispute the validity of the whole account (the debt is not mine; I paid on time etc) or separate listings within the account (wrong account balance, wrong credit line, wrong date the account was opened etc). Another powerful weapon is to ask for validation of debt. Credit bureaus, collection agencies and original creditors have to provide you with written proof of debt (proper documentation proving the validity of the debt) upon your request. Failure to provide such paperwork should result in the deletion of the negative item.

2 Learn to be the aggressor, not the victim.

Collection agencies and debt collectors utilize a variety of aggressive strategies in order to pressure you. Now is the time to change the roles-be the aggressor. Ask collection agencies for verification of debt. If they fail to do that and don’t erase the negative item, threaten to sue. If the original creditors did not notify you within 30 days that they placed a negative item on your report, they are in violation of the FCRA. Use this fact and pressure them to get the item deleted from your credit report. If credit bureaus fail to conduct an investigation and come up with a decision on your case within 30 days after you filed a dispute, remind them that they are violating the law. In certain cases you can sue collection agencies and credit bureaus. In a nutshell-learn to be the aggressor, not the victim.

3 If you don’t see it on paper…don’t believe it.

Dispute and negotiation -that’s the way to go if you want to raise credit score fast. However, if you don’t keep written proof of your efforts, you are probably wasting your time. Don’t assume that the deal you made with a collection agent is final…until you see it on paper. Don’t believe that a negative item will be removed from your report…until you see it on paper. Don’t believe that a creditor will delete a one time late payment from your record…until you see it on paper. Keep written proof of all your correspondence and you are on your way to success.

There are many shortcuts to clean credit history. Educate yourself on the inner workings of the credit system and the various loopholes in it. Once your gain enough credit knowledge, you’ll be surprised to find how easy credit repair actually is.

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www.fix-credit-problems.com With each day that passes, a poor credit rating will become more of an expense. Improving your credit score really does pay off. A higher credit rating equals lower loan interest rates, lower insurance premiums and may possibly help you obtain a better job. The best news is that it is actually possible to make repairs to your credit rating that are free. The purpose of this article is to address this issue and also in return, pose some questions for you to consider.

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Darin Sewell asked:




If you have just been denied a loan based on low credit scores you are probably wondering how do I fix a ding on my credit score? Well keep reading because the article below will give you a overview of what you need to do to clean up your credit and boost your FICO scores using simple credit repair methods.

How To Remove Negative Credit With Self Credit Repair



The very first thing that you’ll need to do is to secure a up to date copy of your credit report and look it over for mistakes and negative information. In most cases the negative information will be late payments, judgments and collection accounts. Errors are generally incorrect loan payment records. If you are unsure where to get a copy of your report you can get a free one or buy them directly from the reporting bureaus websites.

When you have compiled a list of the incorrect and negative information its time to dispute it. This process is called self credit fixing and is quite easy. all you have to do is write a credit dispute letter telling the bureau that you disagree with the information on y our report.

Under Federal law they will have to get in touch with

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