Credit Repair

• Building A Good Credit Record

  Given the state of the economy, it is more important than ever to have good credit. Good credit means having a good credit record and a good credit score. Every day we get bombarded with bad news—record numbers of homes being foreclosed… People drowning in debt.  The bad news never seems to end.  If you have hopes to buy a house, buy a car, get a good credit card ... even to get a job, you need to have good credit. Here are some tips to build and maintain a good credit record.

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• Build a Good Credit Record Now: Enjoy It Later!

  Some things just get better with time.  Wine.  Some cheeses.  Good friendships.  All of ‘em take a little time to reach their best.  The same is true for credit reports.  It takes a little time to improve your score.  But the time and effort is well worth it.  A good credit score can save you thousands of dollars over time.

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• Free Credit Repair: You Can Do It Yourself

  Did you know that you can repair your credit yourself?  In fact, the Federal Trade Commission thinks that self credit repair is the best way to go.  Here are a few thoughts about free credit repair.

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• Want to Save Tons of Money?  Do a Little Credit Improvement

  Have you ever sat down and added up how much you spend each month on credit?  Think about it: most of us have car loans, credit cards, and some of us have mortgages and student loans.  Did you know that the price you pay (the interest rate) for these types of credit depend on your credit score?  Someone with a low credit score pays more than someone with a higher credit score.  Why not save some money by improving your credit?

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• Settling a Past Due Debt? Here’s How to Make Sure it Helps Your Credit Score

  One of the biggest factors that hurts your credit score is whether you have past due (or uncollected) debts.  Past due debts can drop your credit score by hundreds of points.  If you are working with a creditor or debt settlement agency to pay off an old debt, you need to make sure that you do it right to make sure that paying off the debt actually improves your credit score.  Learn how here.

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