credit repair blog – fix and clean credit

Question by tkmcdaniel7: When paying old debts to clean up credit rating. Should one pay the original creditor or the collection agencyThe bankruptcy is to expire in the next few months. In order to clean up my credit, I need to pay off old non-discharged debts and some incurred since the bankruptcy. Should I pay [...]

Ryan J. Taylor asked: Credit repair is not just for people who are not credit worthy. Anyone at any credit score can quickly increase their credit rating with just a few easy steps. Those who need to fix bad credit, however, will see the biggest improvement in their score by following these simple steps. As [...]

Shayne Sherman asked: Charge offs are bad debts that your creditor has disposed of. They will appear on your credit report with the words “Charge Off” written at the beginning of the file. The amount of the debt may be zero even though you know that you still owe a balance or there may be [...]

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. [...]

Darin Sewell asked: I want to fix my ugly credit is what most people say to themselves when they realize their credit scores are terrible. At this point most of these people realize they have no clue how to repair FICO scores. If you fall into this group the tips listed below will help you [...]

Martin Lukac asked: An increasing number of consumers are beginning to understand how much a credit score affects borrowing ability. And with this rising number comes an increase in people looking to repair their credit score.Fixing your credit history may seem like a big task. We all have heard the stories of how hard it [...]

Irena Bocheva asked: Raising credit score is not hard once you start thinking outside the credit box. Most of the 35 million Americans with less than stellar credit have embarked on the traditional way of fixing credit score-financial discipline, careful budget planning, patience and dedication. A small percent of Americans, however, hove found there are [...]

Vincent Polisi asked: If you want to learn how to fix credit fast, then you will want to read this article. Specifically, we will be discussing the first thing you need to do and what options you have to raise your score. When you are finished reading this article, you should be prepared to begin [...]

Luciano O asked: Most people do not recognize the importance of a high credit score until they are forced to use their credit scores to gain loans from creditors. Interest rates also tend to hike up if you have a poor credit score, or worse, your application for a credit card or a loan can [...]

Jason Bowen asked: Credit repair after divorce is essential if you want to be financially sound. What often happens to the divorced parties’ credit is nothing short of tragic. Here are the things you must know in order to survive your divorce without ruining your credit rating. If you’re considering divorce or separation, pay special [...]