Credit Repair is Easier - And Quicker - Than You Think!

By Mark Alison

Regardless of your record or history, there are a number of quick & easy steps you can take towards credit repair. It's never too late, and costs nothing, yet the results can be huge!

To start, you'll need to get a copy of your credit reports and actually go through them. There are three separate credit reporting bureaus and each one will have a slightly different report.

The law now provides consumers the right to one free credit report from each of the bureaus, Experian, TransUnion, and Equfax. You are entitled to one from each company every year.

The FTC, or Federal Trade Commission has a website set up specifically for this: annualcreditreport.com. This is the "official" site for these free reports - be wary of any other offers for "free" credit reports, as they won't actually be free.

You can begin your credit repair efforts once you have your reports in hand. You will want to go through them carefully, line by line.

These reports will either include a "dispute" form, or give you a web address to get them. This is the key where you will begin to fix your credit.

For every entry that is incorrect, inaccurate, or outdated, you will be filing a dispute. Provide the correct information, or why it is incorrect, such as a debt that has been paid but not removed.

Each credit reporting agency has up to 30 days to either verify the information, or they must remove it by law. Even if the information is accurate, if they don't verify it in time, it gets removed.

By taking this simple step, you will find some of those negative entries will come off your credit report, and as such no longer contribute to a low credit score. In some cases, this can boost your score by hundreds of points!

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Stop your Repossession

By Stopper Fishern

Picture the scene, Christmas is coming and I was just getting the decorations down from the cob-webbed attic when I heard the post falling through my letterbox. Gas bill, electric bill and another important looking letter.

Christmas seemed to stand still. I read the letter. The decorations seemed a long time ago now as my heart raced faster than an F1 car.

My house was going to be repossessed, with the credit crunch this was the last thing I needed, I saw no way out. I had a repossession order against me and had nowhere to turn. Luckily I got in touch with a company that were prepared to buy my house for cash and then rent it back to me.

The company came good when it mattered. The lenders got off my back and I could stay in my home. The staff were so understanding and professional. I dread to think where I would be right now without them.

what could have been a disaster, was averted with a simple phone call, and I am now financially better off.

repossession.net is a fantastic company, they helped me through a tough time, saving me and my family from the harsh streets. I do not wish the trauma of a repossession on anyone, but have a safe and secure mind that at least there are people out there that can help.

I just want to re-iterate the gratitude I feel for repossession.net, through their guidence, help and support, I have cut back on 'wants' and focus more on 'needs'. Repossession almost took me to the cleaners, the last thing anybody wants during christmas is to be forcwed out of thier own home.

How am I getting on now? Brilliantly, and now I am better with my money and have certainly learnt my repossession lesson and won't be getting in trouble again that's for sure!

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Stop Repossession

Bankruptcy Repair? Here's What You Need To Know!

By Mark Allan

For those who have had to declare bankruptcy, you already know that this is one of the most damaging marks that you can have on your credit report. Many creditors consider it a "deal-breaker" when considering credit applications.

The two most common types of bankruptcy are referred to as "Chapter 7" and "Chapter 13". A Chapter 7 bankrutpcy may display on your credit for 10 years from the date of filing. Chapter 13 may stay for 10 yeas also, but it is customary for those to be removed after 7 years.

Whichever way the bankruptcy has been filed, it's obvious that it will stay on your record for an extremely long time. This is why a person should consider getting some repair for their credit after filing bankruptcy.

Regardless of how flawless your credit may be, if it shows that you have gone bankrupt, it's going to show up, and turn off different companies. If you ever want to have a decent credit score again, you will need to collect information on different ways to repair your bankruptcy.

When trying to get through bankruptcy repair to your credit, you'll want to start engaging into the service of a specialist. Often times you can find a top expert that can assist you like a lawyer that might represent a client that has gone through these types of proceedings.

While it is difficult to remove bankruptcy information completely, there are credit repair companies that have had success doing this. More often, the information can be cleaned up and updated, adding explanations that will be included in your credit report.

You can find legal firms that specialize in bankruptcy repair and other credit repair agencies advertised online and they are also listed in the yellow pages. They will be happy to talk with you by phone and many of the first appointments will be free.

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Click here for more information about Credit and Bankruptcy Repair

Thrifty Spending

By William Blake

In order to live a thrifty life, you need to know more than just that you need to save money. It is also essential that you spend your money wisely. Consider the following ideas about what a frugal person can do with the money that they have worked hard to save.

Make a list of your needs, wants and desires when it comes to your finances. Include any estimates that you may have (or use guesstimates if you have nothing tangible to go on). Be sure that you number them in the order of importance. Then start tackling your dreams one at a time.

You could pay extra on your mortgage each month or make one extra payment each year. This could help you pay off your mortgage in half the time it would normally take. This will save you money on interest, and the payment will be free money for you to use on your other dreams or to help rebuild your savings. Be sure that your bank applies your extra payment to the principal of the loan.

Use your savings to tackle home projects that have been calling out for attention. They can be big projects (which could require hiring a professional), or small (but not necessarily simple) like purchasing and hanging the ceiling molding in the children's room. You can choose to use the money to enhance your home and complete projects that have been long overdue.

Buy a newer pre-owned car. Even if your current vehicle is in good condition, you can get a newer pre-owned one. Your old car can be donated to a church, charity, or friend. Remember, though, that a newer car will be charged more in insurance payments.

Go on a dream vacation. If you plan your trip during the off season, you will be able to do more with less money and thus enjoy your vacation even more than you normally would.

While it is important to save your money for a rainy day and to prepare yourself for the future, part of the frugal lifestyle is also about enjoying the life that you have. This means that you shouldn't be afraid to set aside money that will be used to pamper, reward, or indulge you in some way.

Using the money that you have saved to congratulate yourself will be a great boost to keep on saving and living frugally.

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Wondering if you could be negotiating lower payments on your credit card? You'll get lots of helpful information on the Debtopedia website at http://www.debtopedia.com