November 07, 2007
Can credit repair companies be trusted?
Many "credit repair" companies claim to remove negative credit with the flick of a wrist. Their advertisements make bold assertions and money-back guarantees: "Bankruptcy, tax liens, judgments... no problem!! One hundred percent guaranteed!! Credit report 100% cleared in 30 days!!" Can they really make such sweeping guarantees?Continue reading "Can credit repair companies be trusted?"
Posted by creditreportsolution at 08:53 AM | Comments (0)
October 29, 2007
Can Bad Credit be Deleted?
Yes, it can. Despite the fervent proclamations of bureaucrats and credit bureaus everywhere, a simple fact remains: negative credit listings are deleted from peoples' credit reports by the thousands each and every day.
Continue reading "Can Bad Credit be Deleted?"
Posted by creditreportsolution at 04:03 PM | Comments (0)
October 26, 2007
Get the Right Credit Score
You go into a lender's office prepared to apply for and receive a loan. After all, you've done your homework, you've pulled your credit reports and you know what your credit scores are--you even got one score from each of the three major credit bureaus: Equifax. Experian, and TransUnion. You are shocked when your loan is denied, or maybe you were approved, but the interest rate is much higher than you anticipated. How can that be you say? My credit score is good, I know I checked. Maybe it's not as good as you think. It all depends on there you got it and what kind of credit score it is.
Continue reading "Get the Right Credit Score "
Posted by creditreportsolution at 07:15 PM | Comments (0)
October 06, 2007
How to Deal with Bad Credit Reports
In today's world our credit score is everything. Creditors and bankers approve or disapprove loans based on your credit worthiness. It is also something that will determine your credibility to certain employers or landlords. If you have a good credit rating you will be able to apply for loans and/or credit cards easily. And, ultimately, isn't that the goal? It will also mean that you will have more chances of getting certain jobs. You will be able to pay your bills on time.
Continue reading " How to Deal with Bad Credit Reports "
Posted by creditreportsolution at 09:12 AM | Comments (0)
October 01, 2007
Debt Collection - Facts vs Force
The title 'debt collector' is self explanatory and clearly states what such a person does. If you owe money to a lender and there has been a delay in payments over the past few months the lender may choose to either use their in-house service or employ a specialized debt collection service provider.
If it is a third party i.e. a specialized collection agency, they usually purchase your debts for less than you owe from your lender and then the debt becomes theirs. Therefore, they then have vested interests in settling the same.
Continue reading " Debt Collection - Facts vs Force "
Posted by creditreportsolution at 10:04 AM | Comments (0)
September 24, 2006
The History of Credit and the Bureau
Our nation is in chaos and the root of it all stems from good graces of man. Credit is deeply rooted into our history and it stems from a person's or merchant’s product or service priced too high for the average consumer; or when payment for the item(s) was not convenient at the current time. This was the birth of the consumer credit program.
Let's look at a typical California House priced at $395,000. The builder, in order to make a profit, needs to sell many of these homes at this price. How many of us have $395,000 to plop down in one lump sum?
Continue reading "The History of Credit and the Bureau "
Posted by creditreportsolution at 10:59 AM | Comments (0)
September 22, 2006
Get Out Of Debt
Finding a way to get out of debt is extremely important and it is crucial to take action as soon as possible if your debt is significant. This daunting task may seem overwhelming, but it is quite possible if you take the appropriate steps. I am nearly out of debt and if you would have seen my financial obligations just a decade ago, you would be shocked to discover that everything is nearly paid off in full.
Continue reading "Get Out Of Debt"
Posted by creditreportsolution at 08:25 AM | Comments (0)
August 30, 2006
Why You Need a Copy of Your Credit Report!
Your credit report is an important document which may affect you more than you think. It is perfectly possible to see a copy of your credit report. But why would you want to read your credit report, and how do you find it?
In the US there are 3 agencies which keep information on you and your credit. This information includes a whole range of details on many of the financial transactions that you make through your life. You may not be aware of it but much of your financial data is kept by credit agencies, and can seriously affect your life.
Continue reading "Why You Need a Copy of Your Credit Report! "
Posted by creditreportsolution at 07:47 AM | Comments (0)
