credit repair blog – fix and clean credit

Jim Kemish asked: The Fair Credit Reporting Act (FCRA), and the Fair and Accurate Credit Transactions Act (FACTA) amendment to the FCRA of 2003, is the federal legislation that governs the credit reporting industry. Statutes of limitation for reporting time limits are provided by this legislation. Knowing how these time limits work is essential to [...]

Ian Webber asked: Credit repair has its share of detractors, and perhaps for good reason. The FTC campaign against credit repair scams makes perfect sense. But for every consumer that has been disappointed by a questionable credit repair scheme, there are so many more that have benefited from the service of a genuine credit repair [...]

Jim Kemish asked: Credit Repair Everything CountsCredit repair is not complicated. Your credit scores reflect the content of your credit report, both the positive as well as the negative. Many people in credit repair programs are so focused on the negative that they neglect the positive. No matter how effective you are at cleaning up [...]

Ian Webber asked: What Can Credit Repair Do for You?What can credit repair do for you? The tightening in the credit markets over the last two years has raised the bar so high that millions of consumers are finding they no longer qualify for an auto loan, mortgage, or credit card. The recent focus on [...]

Ian Webber asked: Considering Credit RepairCredit repair is on many people’s minds these days. Lender’s everywhere have clamped down on their lending guidelines. A significant number of people who had no problem getting financing even one year ago are discovering there are no options available to them today. More and more people are turning to [...]

Ian Webber asked: Credit Repair and Credit ScoresCredit repair is on everyone’s mind these days. And credit scores are for sale everywhere. There is only one problem. None of these advertised credit scores are the same as the credit scores that lenders use when making credit decisions. Whoa. That’s right. People spend huge amounts of [...]