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How to fix credit

How to Fix Credit?

If you have recently applied for a credit card, car loan or even a job and been denied because of bad credit, you need someone who knows how to fix credit. Your life doesn't have to stop because your credit score isn't as high as employers and lenders would like. There are ways to improve your credit and get on track to enjoying life and all the things you hope to achieve.

Sometimes, the problems on your credit report are not your own. Human error can account for a poor credit score. Inaccurate, misleading or wrong information altogether can leave you paying the price. This is information that should be removed or at the very least corrected on your credit report. To do this, you will need some credit help. Writing letters and inquiring about the information on your credit report does take some time, which is why you need someone who knows how fix credit reports.

The process to repairing your credit can be taken on by yourself or you have the option of hiring an agency to do so. Sometimes, it is best to leave things to the experts. It is your credit you are dealing with and you certainly want to make sure it is getting fixed. Hiring someone who knows how to fix credit can be accomplished with a single phone call. A good credit score will open doors for you that may be slammed in your face with a poor credit score. Get started repairing your credit today!

The post How to Fix Credit appeared first on Self Credit Repair Learning Center.

Credit help

Where Can I Find Credit Help

If you have discovered your credit report is in disrepair and needs credit help, you will want to find someone who knows how to get the job done. Your credit score plays a huge role in your life. Everything you do somehow comes back to your credit. Renting a home, buying a car or even applying for a job all require a credit check. You want your credit report to show you are a responsible person who deserves to have all these things.

Sometimes, you will need a little credit help to remove inaccurate, misleading or completely wrong information from your credit report. Someone's minor mistake on the reporting end could end up costing  you a great deal of time, money and frustration. You need someone who knows how to clean up these mistakes and restore your good credit. Credit repair professionals can get you back on track and on the road to lower interest rates and credit approvals.

You can find credit help with a credit repair business. The people who work in these businesses are familiar with what it takes to have the information remove or corrected. You won't have to worry about writing letters that are effective and well-worded or worry about the follow-up calls and letters when you hire a professional. Along with the repair process, you will also get valuable information about how to start rebuilding your credit. Education is the key to maintaining a strong credit rating that will allow you to accomplish everything you want in life.

The post Credit Help appeared first on Self Credit Repair Learning Center.

If you have recently applied for credit and been denied because of a poor credit score that you were shocked to see, you may be in need of credit repair. This is the process of removing inaccurate information from your credit report. Negative information that isn't yours will bring down your score and seriously impact your ability to get the credit you need to buy a car, a home or even get a new job.

To err is human and it is very possible your name could have been mistakenly added to an account that you had nothing to do with. The people who report information and the credit bureaus that track credit reports are all human and mistakes are an eventuality. Unfortunately, entering one wrong number when inputting a social security number can spell disaster.

If you have found information on your credit report that you know to be inaccurate, you must begin the process of having the information removed. This can be a detailed, drawn out process that includes going back to the original creditor and working your way through collection agencies and ultimately the credit bureaus. It can be a lot of work and it can be frustrating if you don't know what to do and what your rights are. This is why hiring a professional who is trained and familiar with the process of credit repair is so helpful. You don't have to pay the price of somebody's mistake and miss out on the things you want in life because you have a poor credit score.

The post What is credit repair and how does it work appeared first on Self Credit Repair Learning Center.

You have heard a lot about the importance of having a good credit score and may have even heard people talk about being denied a car loan because their credit wasn't good enough. What does it all mean?

The number is 3 digits. It is calculated based on a number of factors that are pulled from your credit report. Things like payment history on past loans, the number of open accounts you have, any bills that have been sent to collections or loans that are in default will impact your credit score. Every lender will have their own standards of lending. Some may feel a score of 550 is sufficient to issue credit, while others my want scores as high as 700.

There are 3 major credit bureaus that calculate your score. They tend to vary in their calculations. Many lenders will take an average of the 3 scores to determine what your total credit score is. The bureaus tend to be very close and you won't see a major difference in the final score. It is important you pay close attention to the score and your credit reports. The number will change when you open new credit, apply for credit or hit significant milestones on an account, like having it open for one year without any late payments.

In order to get the best interest rates possible, it is crucial you have a healthy credit score. It takes time to build and very little to destroy. If your score is low, you may need to look into credit repair.

The post What is a credit score and how does it work appeared first on Self Credit Repair Learning Center.

If you have been denied credit because your score wasn't high enough, you may be wondering what happened. How did your score drop? You don't remember doing anything that would negatively impact your score, but here you are looking at a score that will not let you get the things you want and need. Repairing credit is something many people have discovered they have a need for.

Your first step is pulling your credit report and identifying any negative factors that are hurting your score. The key is to look for items that are not your responsibility. It is not abnormal for a large company or creditor to accidentally send the wrong information to a collection agency or credit reporting company.

With millions of people in the world and many have the same names and birthdays, it is no wonder the wrong person is being held accountable for an account. The people who report information to the credit bureaus are human. One wrong keyboard stroke and one person's credit score is ruined. Repairing credit is about getting those mistakes removed from a credit report.

The process is fairly basic and involves sending letters to the creditors, collection agencies and the credit bureau with enough detail to prove the account that has been reported is not yours. You may have to send several letters in order to succeed. Credit repairing can be time consuming and frustrating, but it is something that has to be done in order to achieve your goals of owning a home or a car with your credit.

The post Steps to repairing credit appeared first on Self Credit Repair Learning Center.

If you are serious about making a difference on your credit report, you need to know how to raise your credit score. It is a process that takes months of diligent work and a dedication to curbing your spending habits. A credit score is based on several factors. Things like credit utilization, payment history, length accounts have been opened and derogatory marks on the report will all play a factor in your overall score.

Your first step will be to look at your credit report in depth and determine if all the information on the report is accurate. This includes account balances (it can take at least 30 days for recent credits to show on the report), accounts in general and if there are any late payments noted, but you don't remember ever having a late payment.

Begin the process of removing any inaccurate information. Make an effort to pay credit cards down. A goal of 25 percent utilization is ideal for credit card balances. If you have very little credit, consider opening a credit card to help establish credit. Don't run out and charge it up. Charge a bit and then make a payment to keep the card at a low balance. Pay all of your bills on time. If there are any items in collection, get those taken care of immediately. If you are interested in how to raise your credit score, start with these items and you will soon see a positive difference.

The post How to raise your credit score appeared first on Self Credit Repair Learning Center.

Killer Tips To Writing a Credit Dispute

You have probably heard it a hundred times, but it is important you hear it again. Everything needs to be in writing!

A credit dispute is no exception. You can make repeated calls to an agency and get nowhere. You will have no proof other than your word that you called and asked for inaccurate information to be removed. You need it in writing in the form of a letter that will earn you a little more traction in the world of credit disputing. When you have it in writing, you are more likely to see results.

The following tips will help you write an effective credit dispute letter that will get you results. When it comes down to it, results are what matter, not all the empty promises and assurances the information on your credit report isn't really hurting you.

Use a computer to write up your letter or you can use a typewriter. It needs to look professional and it needs to be easily read. Not everybody has perfect penmanship and a handwritten letter could cause you more problems.
Include vital information about who you are at the top of your letter. You need to include your full social and not just the last four digits as that is not good enough. If you have a reference number for your credit report, you can include it. If you don't have one, it isn't entirely necessary.
Identify what item you are disputing. Include every detail, i.e. Company name, amount in question, account number, date the account was opened and the information you are disputing.
Don't waste your time going into your life story in your credit dispute letter. Keep it brief and to the point. Using bullet points will make it easy to read and the reader will be able to scan the letter quickly. The entire credit dispute letter should not take more than a page. If it is longer than a single page, it is less likely to actually be read.
Don't get too caught up in citing laws and the Fair Credit Reporting Act. They already know the information and being threatened isn't going to make them want to help you any faster.
If you have any pertinent documentation that will help back up your claim that the information is inaccurate, make copies and include it with your letter. It is helpful to highlight account numbers and line items that will make it easy to reference.
Lastly, if you have sent letters in the past, it helps to include a cc at the bottom of others you will be forwarding the information to. This may include the original creditor and the Better Business Bureau.

Before you send your credit dispute letter out, make sure you have proofread it. A single number wrong could ruin your chance of having the mark removed. You want it to look professional. Check for typos or misspelled words.

If you are sending the credit dispute letter via email, make sure you get a return receipt showing that you sent it. Some programs will allow you to see when the email was opened and read. If you are sending it via the post office, send the letter certified mail. This is really your best option and guarantees the letter is getting into somebody's hands and not being sent to a spam folder.

You should hear from the credit bureaus within 30 days. Check your credit report monitoring every 30 days for 2 months to see if the information has been corrected or removed. If it hasn't, you need to send a follow up letter, indicating this is your second, third or whatever attempt to have the information fixed.

Get Started Today. Call us for a free consultation: 1-888-959-1462.

The post Credit Dispute: Killer Tips To Writing a Credit Dispute appeared first on Self Credit Repair Learning Center.

Repairing your credit is the first step in rebuilding credit. To bring up your score, it takes patience, dedication and a willingness to change your ways. Credit scores are based on credit history. Meaning, creditors will look at several years' worth of your credit history to determine whether or not you are a good credit risk. You know you need to have a healthy credit score in order to get the things you want in life. In fact, your credit score affects all aspects of your life.

Without a good score you will struggle to get loans or will likely pay high interest rates on car loans, home loans and even personal loans.

You will pay higher auto and homeowner's insurance rates.
Paying high interest rates take money directly out of your pocket and affects what you can buy today, including things like groceries.
Ability to secure a lease on your dream apartment will be impacted. Low credit scores may keep you from renting an apartment or home without having a co-signer.
When you are short on cash, because you are paying high interest rates on various loans and credit cards, you are tempted to rely on credit cards to buy day-to-day items. This creates a dangerous cycle that can leave you swimming in debt and struggling with the monumental task of rebuilding credit.

 

Why is rebuilding your credit so important and how does it help your credit score?

Establishing credit is one of the ways you can increase your credit score. You need to prove your ability to make payments on time
Rebuilding credit is crucial to achieving goals you may have like buying your dream home, owning a new car or even securing a loan to send your child to college.
You never know when you may need to take out a line of credit to pay for medical bills or elective procedures like braces for your child.
There are numerous benefits to rebuilding your credit that will make your life a little easier.
Confidence and peace of mind knowing you can buy the things you need in life without worrying about a poor credit score holding you back.
Getting lower rates on insurance, car payments and other financed items puts more money in your pocket to put into your savings account.
Freedom to choose the best loan with the best rates available instead of taking whatever you can get.

Life is stressful enough without worrying about a low credit score. You need credit from time to time to get the things you want most out of life. Rebuilding credit is something that can be done. With the 10 strategies outlined in rebuilding your credit report, you can achieve that healthy score you have longed for. You won't have to worry about being denied credit and being forced to do without. It is time to make a change for the better and start doing what you can to take back control of your credit.

The post Rebuilding Credit the Right Way appeared first on Self Credit Repair Learning Center.