Credit Repair Resources and Education
Build Better Credit
Credit Education and Credit Tips
We provide free financial education and heavily researched DIY credit repair tools to help you improve your credit legally. If paying for a credit correction service isn't in your budget, then our Do it Yourself Credit Repair kit may be just what you were looking for.
Not All Credit Repair is Created Equal
Most of what you'll find online is flimsy at best. Our credit correction kit is developed from years of research by credit experts who truly understand how credit bureaus and collection agencies operate; and how you must REACT for the best results.
Resources covering all of your credit problems include;
Dealing with bill collectors, the right way to correct your credit
Expired debts and correcting nasty credit report dings
Properly negotiating debt to improve your credit and save money
Credit repair letters are pre-written for maximum success
Judgments, charge-offs, inaccurate tradelines? Use the articles to guide your credit repair process
Repos, restrictive endorsements? We cover it
Step-by-step instructions on how to sue a collection agency
Your right to validation of debt
Dealing with credit bureau stalls
Time barred debts
Rapid rescoring of your credit
Using the FDCPA to fight bill collectors legally
Cease and desist strategies and dispute letters
Get Started Towards Better Credit Today
When you're ready to repair your credit, you want help now, not later. Our DIY credit repair kit offers instant access to the tools you need and want to correct your credit legally.
Get Online access to our credit repair kit and sample dispute letters.
You'll receive activation via email so you can log in and start educating yourself and progressing towards rebuilding your creditor and negotiating your collection debts.
Over 26 years in the credit education field with a specialty in collection accounts.
A straightforward credit correction kit to help you maximize results while spending less.
Simple yet effective legal strategies to clean up your credit reports without paying a credit repair company hundreds of dollars.
You retain your privacy and are in control.
No shipping, no mail delays, and completely affordable. Simple!
If you've battled nasty issues on your credit reports with little success, it may be time to understand the process and the right way to get results.
Our credit repair education is formulated to help you straightforwardly solve tough credit problems, providing the best results without jumping through hoops month after month. Your password will be emailed to you either immediately after your order or within a few hours if it is after business hours.
Buy Only What You Need—No Mazes, No Up-Selling
DIY Credit Repair Kit: Over 40 sample dispute letters, multiple credit repair & debt ebooks, articles, and Ask the Expert, all for a one-time fee of only $17.95.
All books and sample letters are provided in Adobe PDF format. You'll need version 7 or higher to open these documents.
Delivery: A password will be emailed to you within the same day.
Payment Methods: Use Paypal, Credit card, Stripe, or Venmo.
FAQ About Credit Repair
How much does it cost to repair your credit?
Ongoing credit repair can be costly. Most credit repair companies charge around $50.00 to $79.00 per month per person, and the service can continue for upwards of a year or longer. This is a significant financial investment for a service that cannot guarantee results.
You also have to weigh the motivation for a credit repair service that might stretch out your service because it requires continued monthly income to keep serving you. Could your credit have actually improved in 3-4 months, but you paid for 12 months of help? It’s a valid question to consider.
Many people take on the task of do-it-yourself credit repair as a cheaper alternative and to protect their privacy. You maintain control of one of your most precious assets.
Can you raise your credit score?
Yes, absolutely. Even removing one or two negative items can significantly impact your credit scores. The more you work on your credit, the better the scores become.
Is credit repair a scam?
No. But unfortunately, there are shady characters in the credit repair industry, and the term itself is genuine. People will always try to exploit someone desperate for a loan, a job, or a place to live.
People fix their credit every day using legal methods. You'd be surprised how many people think it's impossible to fix their credit or that it’s somehow illegal.
How hard is it to repair your credit?
By law, the credit bureaus must only reflect accurate information about you. You have the right to file a dispute for any item you feel is inaccurate, expired, disputed, misleading, or flat-out false. Relying on the creditors to relay accurate information is something you should take very seriously and monitor often.
Credit repair made simple
We want to make credit repair easy for you. We'll provide the correct information, offer free tips and advice, and help you take charge of your credit. Whether you are struggling with late payments, bankruptcies, judgments, hard inquiries, liens, or collection accounts, our do-it-yourself credit repair is a simple tool to help you get your credit to the best possible status.
Get educated on how credit reports are calculated; mortgages, auto loans, credit cards, and private loans have a hierarchy, and a good mix is essential to building a longer credit history and eventually increasing your credit score.
Get your credit back on track
You might need to fix your credit if you have been denied an auto loan, credit cards, have collection accounts on your report, or have a low credit score. We can help you with financial tips about fixing mistakes in your report, disputing late payments, and restoring your credit.
Lenders often report errors for a variety of reasons. Your payment history drives your credit score, so it’s essential to have it as good as possible and effectively work towards improving and restoring it. From inquiries to credit card balances, credit limits, payments, and the overall condition of your credit accounts, you can handle the credit repair process if you are educated.
Take control of your credit and debt and create a valuable credit mix to increase your spending power and credit scores. Your credit utilization ratio can be sculpted through investigations and documentation to track your progress and target each account.
Credit score improvement made easy
A low credit score can affect the terms of loans, interest rates on loans, insurance rates, and many other services we use every day. You can improve your credit by taking specific actions like paying off overdue debts, paying all bills on time, or simply staying away from risky activity. We're always here to help!
Facts
1. DIY credit repair involves taking steps to improve your credit score without the help of a credit repair company.
2. The first step in DIY credit repair is to obtain a copy of your credit report from each of the three major credit bureaus: Experian, Equifax, and TransUnion.
3. Once you have your credit report, you should review it for any errors or inaccuracies that may negatively impact your credit score.
4. If you find any errors or inaccuracies, dispute them with the credit bureau.
5. Paying your bills on time from now on is one of the most essential steps in DIY credit repair.
6. Paying down debt (the right way!) is another critical step in DIY credit repair.
7. You should also consider reducing your credit utilization ratio, which is the amount of credit you use compared to the amount of available credit. (Debt ratio).
What is the number one mistake people make when repairing their credit?
Paying a past-due or collection account without attempting to negotiate the credit rating. The creditor receives the money, and your credit rating is still negative.
How do I know if credit repair is right for me?
Credit repair is an excellent option for anyone looking to improve their credit score and clean up unverifiable harmful, outdated, or inaccurate information. However, it is essential to understand that credit repair is not a “quick fix,”and you should be committed to the process to maximize your results.
Why Your Credit Matters
Credit cards
Credit cards have become an essential part of our financial lives. They offer convenience in accessing goods and services without carrying large amounts of cash. Knowing how to use them wisely is vital to avoiding debt traps and protecting your chances of getting loans in the future.
When evaluating an individual's eligibility for new lines of credit, lenders consider several factors, such as the individual's payment habits and the number of inquiries made by potential creditors. A motivating factor for repairing one's credit is to gain access to credit cards with better interest rates and perks. Improving your credit is a worthwhile effort!
Mortgages
Having a solid credit score is crucial if you're looking to secure a reasonable mortgage rate. Lenders use your credit score to determine the interest rates they'll offer you; the better your score, the lower your interest rates will be. This can save you a lot of money over the life of your mortgage.
A good credit score also gives you more bargaining power during the mortgage negotiation process. You can compare offers and potentially negotiate better terms by getting prequalified and checking rates with multiple lenders.
Securing a job
The impact of poor credit scores extends beyond just financial matters - they can also negatively affect one’s employment prospects. Potential employers often scrutinize credit reports to discover how responsible prospective employees are. Furthermore, hiring managers might inquire about large unpaid debts. This is because they may fear that financial distress could hinder an employee’s ability to perform their work to the best of their ability.
Did you know?
1. Approximately 79% of Americans have a credit score below 700, considered a “good” credit score.
2. The average credit score in the United States is 687.
3. The average credit card debt for Americans is $5,700.
4. Approximately 35% of Americans have a credit score below 600.
5. The average credit utilization rate (the amount of available credit used) is 30%.
6. Approximately 10% of Americans have a credit score of 800 or higher.
7. The average number of open credit accounts for Americans is 4.
8. Approximately 25% of Americans have a credit score between 600 and 699.
9. The average age of credit accounts for Americans is 11 years.
10. Approximately 10% of Americans have a credit score below 550.
Read our blog - the latest in credit and debt news.
Fix your credit and take control of your financial life!
Do you need to repair your credit or increase your credit score?
Do you want to eliminate debt and build credit?
Have you applied for a loan and been denied due to your credit?
Do you want to know how to read your credit report and understand why you were denied?
Do you want to fix your credit?
If you answered yes to any of the above questions or if you simply wish to improve your credit score and credit rating, then this book is for you!
