Credit Repair

• 3 Things You Can Do Now To Improve Your Credit Score

  Your credit score is a number (or actually several numbers, depending on who is doing the scoring) that is based on your credit history.  Having a good credit score can save you lots of money.  Who doesn’t need to save money?  Here are three things you can do to improve your credit score.  Start now, and enjoy better credit.

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• How To Dispute Credit Card Charges Under the Fair Credit Billing Act

  Have you ever checked out your credit card statement and saw a charge that you did not authorize?  Or, have you been billed for something you returned to the store, or never actually received? Have you been charged twice for the same item, or never received a refund that you were supposed to?

  It happens all the time.  It’s frustrating, and can lead to credit problems if you don’t take action (and we never want credit problems!  They turn into credit score issues eventually).  Here’s the good news: These errors can be corrected. Here’s how.

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• In a Credit Fix? Reports from the Credit Bureaus Can Have Errors

  Are you looking for a boost to your credit rating?  You may want to consider repairing your credit history.  Fixing your credit can be complicated, especially if you are disputing some of the negative items that are appearing on file.  What is the best way to approach this credit fix and report situation?  The first step is to get a copy of your credit file.  This can be done by contacting any or all of the three major credit bureaus: Experian, Equifax and TransUnion.

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• How to Purchase Bad Credit Repair Services

  Looking for ways to repair your credit?  You may have run across ads for bad credit repair services.  What is it exactly that these services do?  Before you consider using a credit repair service, take a few minutes to review how bad credit works.  Bad credit, or adverse credit, results from having too many negative items on your credit report.

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• How To Find a Credit Attorney

  When credit problems get bad, how should you go about finding a credit attorney?  First determine exactly what the problem is and what you expect a credit attorney to do about it.  If the problem is that you’re in debt with legitimate charges, then don’t expect a credit attorney to work any miracles.  What will most likely happen is that you will either get an education in how to manage your money (which is available online or in the library for free) or you will be offered debt relief services.  Debt relief services are when a company (or their associated lawyer) speaks to creditors on behalf of you, hoping to talk them down to a reduced payoff.

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