msamadi1 asked:

Credit fix, 4 videos talk about credit report, credit score, credit repair, debt collection, collection agencies, bankruptcy, foreclosure, public records, judgment, taxes and more

Create a video blog…instantly.

creditrestore123 asked:

Credit repair service to improve score Rebulid your credit Visit our website at: www.creditrestorationoftexas.com or call us at 210-248-9061Let us help you Repair your bad credit.

Credit Repair

R’nya asked:

I want to raise my credit score and get rid of a few items on there. I read about repair services. Do they work or will it be a waste of my money?

real estate guru asked:


I was just wondering if this was a good company to use to for credit repair and if you have used it what did you think of your expericence and how well did it help you credit score?

Stone C asked:

Currently my credit score is very low as i did not make any payments since1999 and so on because of which 3 of my Credit Card companies charge off, reported loss or Cancel/Closed the accounts, and they in turn sold them to Collection companies who are reporting them every year to the credit bureau, by which my account looks so bad most recently they reported in December 2005, I know it’s my mistake and i want to repair it, Some one told me that even if i repay the whole thing still it does not help me as the history of past 5to6 years still remains the same in you history is their any other way which helps me in repairing my credit, Please advice me a good solution.

Dave M asked:


I want to repair my credit score but do not want to pay a company to do it. Does any-one know where I can learn how to do it myself on the internet?

Jennifer K. C asked:


I a trying to build up and repair my credit score . Can someone give me some good advises on this?

DTSheep asked:


i’ve had a shi*t run of bad luck to say the least. i don’t exactly no my credit score, but would love to know tips on how to repair besides just keeping up with current bills and such. Thanks.

Christina Costa asked:


If you have decided to fix your bad credit, there are credit repair companies that can help. This is a big decision and not one you should take lightly. On average, a credit repair company will charge you a few hundred dollars and their program usually takes a year to complete.

You don’t want to pick the wrong company and find yourself deeper in debt and nowhere closer to improving your credit. On the other hand, if you find a great company to help you that might be one of the smartest financial decisions you can make!

Let’s first of all take a look at what you should hope a credit repair service will do for you. Take a look at your credit and ask yourself what you think needs to improve. Credit repair goes beyond disputes with your credit companies and the credit bureaus.

Credit repair has been seen as something that is repairing the credit report. Now, working to repair your bad credit can also help to fix your credit report. You have rights under the Fair Credit Reporting Act to dispute any items that you feel are inaccurate.

This part of repairing your credit has been very beneficial to people who have incomplete or inaccurate information on their credit reports. This will of course only help your credit score once you get the items corrected.

This is just the beginning, repairing your credit. Although some people are not satisfied with just working to correct their credit reports. If you find a reputable credit repair company then they should also work with your creditors to have them stop reporting negative accounts.

Another thing they should do for you is contact collection agencies to have them stop reporting negative accounts. Some credit repair companies will even dispute some debts reported and find out how legitimate those claims really are.

Now, it depends on each individual credit situation just how well a credit repair company can help you. Some people might only want to get help on fixing their credit reports, while others need more extensive help and look for a company that provides full credit repair service.

Here is an important question most people ask, how can you tell if this is a reputable credit repair company? There has been a bad rep given to this industry because of many scams that have taken place. Fortunately, the fraudulent companies have been shut down. I think it is still necessary that you take some precaution and figure out if you have found a legitimate company before working with them.

Familiarize yourself with some of the laws that surround credit repair companies. The Credit Repair Organizations Act was drafted to protect you, the consumer, from any credit repair scams. They also protect your right to get any help with credit repair for your report.

There is always the Better Business Bureau (BBB) reports, they keep all complaint on file made against companies. If there are multiple complaints against a company or a low rating, proceed with caution.

Also, if you come across a company that does not list “credit repair” in their services on the BBB then also be wary of them. The nice thing about the BBB is that they have high standards for credit repair companies. If you have found a company that is possibly fraudulent, the give away is that they have not listed “credit repair” with the BBB.

As with anything you do, concerning your finances and credit, take the time to do some research. There are many reputable companies available and thanks to the internet you can find them within minutes of searching! Credit repair is possible for everyone and good credit is definitely in your future.

Ian Webber asked:


Become a Credit Repair Powerhouse

Credit repair requires a bit of finesse. It is essential to approach your credit repair project from several different angles simultaneously. This multi-faceted of approach will insure the best possible outcome. Leave out a single aspect of the project and your credit repair effort is likely to languish, or even fail in spite of the most belabored struggle. Are you ready for great success? Here are the credit repair secrets of the pros. Follow along and watch the magic happen.

Rebuild Your Credit Now or Fail

It does not matter how bad your credit is when you begin your credit repair journey, you need to start rebuilding your credit today. Credit cards are the most powerful tool available. You may be thinking that it would be better to wait until your credit is better before making application for a credit card, but that is not correct. Revolving credit takes up to six months to yield solid credit score benefits, so you cannot afford to wait. And if you are concerned about getting approved just apply for secured cards. Two is the correct number of cards for optimal credit repair results. Once you have them in hand just follow these rules.

Revolving Debt Rules

Once you have two new credit cards open you need to manage them in a very special manner for the first year of your credit repair and recovery journey. Use them right away and never let the balance go all the way to zero. In addition, you need to learn about the magical relationship between your balance and your card limit. If you want your credit score to shine you should reduce your balance below 20 percent of the card’s limit. For example, if you have a credit card with a three hundred dollar limit you should keep the balance under sixty dollars.

Credit Repair Timing is Everything

For clarity, I should point out that you can do anything you want with your credit card balance if no one will be looking at your scores. Running a high balance has no long term effect on your score; as soon as you pay down your balance your scores will pop right up. Just make sure to get your balances down at least sixty days in advance of needing your scores, as it can take that long for the credit bureaus to get the updated balance information. How much of an impact will this have on your credit repair results? It can change your life. The difference between a low balance and a maxed out card can translate into a whopping 150 points. See the light!

The Right Stuff

Stay away from store cards and consumer credit such as furniture, appliance, and electronics store loans, at least while you are trying to fire up your credit repair project. If you have this type of debt right now try to pay it off as soon as possible. The FICO scoring model has a bias against this debt and your score will pay the price. Once again, it doesn’t really matter if you open an account at every store in town as long as you don’t need your scores to be at their best right. Store cards and consumer debt can be convenient and even financially beneficial if used right, just make sure to clean things up at least sixty days before you need your score and you will see the credit repair results you are looking for.

Learn About Statutes of Limitation

If you really want to fire up your credit repair weaponry and do some serious damage against the evil-doers you must take the time to understand the importance of statutes of limitation and their significance in dealing with errant collection accounts on your credit report. A statute of limitation is the period of time that a debt may be collected through the court system. In the vast majority of cases the statute of limitation is far less than the reporting period limit. Debts beyond the statute of limitation become extremely negotiable. If a collector has no leverage, and they know that you know, they are likely to become entirely docile and willing to accept a small settlement. In addition, you can stop any collector from contacting you with no worry about legal ramification, simply by sending them a cease communication letter. Want to learn more about this powerful credit repair tool? Statutes of limitation are state and debt type specific and are all easily found on the Internet. So logon and learn. Good luck!

Copyright © 2009 Ian Webber. All Content. All Rights Reserved.