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Fix
your credit, but use common sense
The Internet is littered with junk credit repair. Here's some
useful tips to correctly improve your credit history.
Why
credit repair is so badly needed.
The ugly truth of the not so pretty credit system.
Your
Easy Credit Repair Plan
Disputing, validating and settling tips.
Top
Self Help Books Could Teach You A Thing Or Two!
We've got self help books for practically every subject so
why isn't credit repair one of them? Learn DIY tips to a better
credit score!
Credit
Repair DIY
It may be easier than you think if you are well prepared.
By doing the work yourself, you could save a lot of money.
How
to fix your credit yourself
A step by step guide along with video of warnings and tips
to better credit.
The
Credit Bureaus
The credit bureaus are savvy. Understand how the new
breed operates
Sample
dispute letters
Get sample dispute letters for creditors, collection
agencies and credit bureaus (purchase required)
Poor
credit vs. good credit
Bad credit can be expensive
One
In Four Credit Reports Contains Errors Serious Enough To Wreak
Havoc For Consumers
Study conducted by PIRG on sloppiness of credit reports
Do
inquiries hurt your credit
Too many inquiries can be a problem to your credit report
Credit
repair scams
Find out what to look for in retaining a good credit
restoration firm and what to look for in false promises
Credit
card billing rights
What rights do you have for a credit card holder? Find
out what protects you regarding credit card billing
Identity
Theft FAQ
Have you been a victim. Know warning signs and what to
do
Your
Credit and a Bankruptcy
Is there life after Bankruptcy? Find out what to do to
rebuild your credit after you have filed bankruptcy
Credit
and divorce
Who is liable for the debts plus links to divorce attorneys
and legal documents
Credit
Scoring
All about credit scoring and your credit
FICO
Blues
What is a good FICO score? What does it take to improve
your FICO?
Reporting
time for negative credit
Looking to find out how long negative credit can stay
on your credit reports? Get a straight answer
7-year
rule
How long does bad credit remain - get it straight
Financial
blunders
Get the latest on this fast growing crime
Inquiries
Loan shopping can harm a credit score
Using
small claims court to repair your credit
Fight back against the CRA, Creditors and Collectors by
hitting them in their pocketbook
Court
ruling could result in easier credit report disputes for consumers
regarding "furnishers of information"
Federal ruling seeks to hold credit card companies responsible
for reporting inaccurate information to a credit bureau. It's
similar to VOD.
Summary
of FCRA
Because your credit report contains private information
about you, it is important that you know your legal rights
as a consumer
The
FCRA
The full Act. Read the Fair Credit Reporting Act in full
Consumers
finally Eligible for Free Annual Credit Reports
Information about getting your truly free credit report once
a year including the link to the order page
The
FACT Act
The Fair and Accurate Credit Transactions Act: How it works
Credit
and Consumer Rights
A good credit rating is very important. Businesses inspect
your credit history when they evaluate your applications for
credit, insurance, employment, and even leases
Using
the FCRA to repair your credit
A focus on what sections of the FCRA to use when repairing
your credit
Method
of verification - secret credit repair tool!
Has the credit bureau told you an investigation is complete
but still the negative item remains? Use this tool to fight
back and have the item removed
Complete
Identity Theft Resource Center
Information on how to deal with and avoid Identity Theft
Consumer
Credit Counseling
Are you worried about your incurring debts that cannot
be repaid. Our site offers education to consumers regarding
different credit related issues
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Most
Common FDCPA Violations
See what portions of the FDCPA collectors violate most often.
Breaking
Down the FDCPA
Find out which subsections of the FDCPA are important in your
credit repair plan.
When
is debt settlement a good idea?
Find out if you should settle your debts with a creditor or
collection agency.
VOD:
Validation of Debts
Before you pay the debt, validate it. You may end up
free of the debt or with a cleaner credit report
Your
Validation Of Debt Plan: Collection Agency VOD
Here is your strategy laid out step by step on what to do
if you receive a collection notice
The
new breed of debt collectors
Know how they think before you do battle
Best
strategies for VOD and debt settlement
Article by professional debt negotiator, Mark Brinker on the
issue of validation of debt (VOD) and debt settlement.
Divorce
and debt
Information and helpful links regarding divorce, debts
& bankruptcy
Battle
the debt collectors & win
Learn to deal with nasty debt collectors and win! Find
out your rights and how to stop harassment
Debt
collector FAQ
More about debt collectors, as this topic can never be
discussed enough. Learn to think like a debt collector and
arm yourself for battle
SSI
Statement
Order your Retirement Statement-Free
Scams
and financial blunders
Learn what to avoid and what takes your money
1099-C
Factor
Did you know that a charge off is considered income? You
need to know this information because it can be considered
income
Collection
agency list
Find a collection agency that you are receiving notices
from or get an address to send a C&D to
Bankruptcy
FAQ
Are you considering BK. or filed? Find out what rights
you are entitled to under the BK code. BK resources too
Bankruptcy
and your car
What happens to my car if I file for bankruptcy?
Car
loan default consequences & costs
If you are having trouble paying your car payment find out
the best methods to avoid default & what to do.
BK
and Statute of Limitations
What if I filed Bankruptcy and it was dismissed. What
is the statute of limitations, the date last paid before the
BK or the date of the BK petition to promise repayment. Here
is an excellent article that answers just that.
Settle
your debts the right way
Using Restrictive Endorsements to deal with creditors
Repairing
your credit with negotiations
When credit bureau disputes alone are not enough
What
is your BATNA- Best Alternative to Negotiated Agreement
An example of how to successfully negotiate with your
creditor
Debt
Settlement Tactics: Using Negotiations
Be done with debts? Using negotiation and settlement
tactics!
How
debt collectors find you
An in depth article on the subject and what to do
Child
Support issues
Collecting support, Q & A about garnishments and
more
The
Restrictive Endorsement loop
Offering settlements via the Accord & Satisfaction
or Restrictive Endorsement
Accord and Satisfaction FAQ
What's the difference from a Restrictive Endorsement
and doing it right
Debt
Collection laws nationwide
Complete list of what is required by each state to become
a debt collector, bond information, statutes, limitations
and information on garnishments
Tax
Liens
Everything you need to know about settling taxes and
state and federal rules
Medial
Collections
Information about the HIPAA Act, your privacy and debt
collectors regarding medical bills and collecting them
FDCPA
Help
Understand how this powerful law protects you
The
Fair Debt Collection Practices Act (FDCPA)
The entire act in text format Soldiers
and Sailors Civil Relief Act
Are you or were you in the military and wondering how
the Soldiers & Sailors Relief Act protects you
Garnishments
FAQ
what is it and how to avoid it and what is exempt
Judgments
Before and after, what happens next and how to settle
a judgment
How
to vacate a judgment
Learn how to have the judgment vacated and clean up your credit
Statute
of Limitations
(SOL) Find out the SOL for your debts & judgments
before you pay! Not knowing can hurt you
Passing
bad checks
Stiff penalties apply. Learn what can happen for passing
bad checks in your state as well as criminal
prosecution.
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How and when
to file for bankruptcy
Find out what debts can be included, which chapter to
file and mistakes to avoid.
Ignorance
is costing you money!
Find out if you're overlooking some basic strategies to save
money every month.
How
to file for bankruptcy.
Step by step with links to the forms and common questions
when deciding to file.
What's
the difference between debt consolidation and credit counseling?
A very big difference! Find out the facts about which
to choose and when
What's
the difference between debt negotiations and debt management
Debt settlement or negotiations is quite different than debt
management. Learn when to choose which method
How
to deal with foreclosure and mortgage issues
Get answers to your questions about your mortgage, what happens
if you do not pay and foreclosure proceedings
Canadian
and UK Credit
Find a list of the most popular and most recent Canadian
and UK links
Student
Loan Resources
Find out everything about student loan default, rehabilitation
and deferment. Over 5 pages of detailed information to help
you out now
Financial
Calculators
Please try our wide variety of financial calculators
including Mortgage Calculator, Business Valuation Calculator,
1040 Tax Calculator and many more. Interactive calculations,
dynamic graphs and fully customizable reports are just a few
of the features that make our calculators stand out!
Medical
Information Bureau MIB
Medical Information Bureau: Gain access to your medical
record
Opting
out of Telemarketers
Opt Out of phone lists and solicitation and be added
to the "do not call list"
FBI
Record
Did you know you have an FBI file? Get a copy of yours!
Legal
forms, documents & FAQ's
A great source of information for legal forms and documents
powered by Lawinfo
Small
claims court
File small claims court forms today using the information
provided here
State
Attorney Generals
State Attorney General web sites for researching your
state's debt and credit protection laws including consumer
collection and harassment laws
Summary
of your Federal FCRA Rights
Because your credit report contains private information
about you, it is important that you know your legal rights
as a consumer
Graham
Leach Bliley Act
Protect your personal financial information and understand
how this Act helps you
State
Vs. Federal Rules
The Supremacy Clause and Federal Preemption - State Law
versus Federal- Which rules?
Your
Rights
You have rights under federal laws. Find out your consumer
rights for credit and debt
Repossession
Law
Have you had your car repossessed or fear repossession?
Find out what lenders can and cannot do to you
Student
Loan Rehabilitation
This is the Act itself and what to expect or do if your
loans have not been reported right. You have numerous rights
under the Higher education act. Find out
State
Statutes
Find the laws for your state
Help
understanding the FDCPA
Information understanding the Fair Debt Collections Practices
Act
The
FCRA
The full Act. Read the Fair Credit Reporting Act in full
Bad
credit may mean higher car insurance premiums. 70% of
credit reports contain errors. Chances are you're paying too
much for car insurance
Law
Forum - Visit The Attorneys Forum, the largest online
legal discussion forum online. Find qualified Attorneys in
the United States and Canada to handle all of your legal issues.
How-To
Videos
When faced with a legal issue, especially a serious and time-sensitive
issue such as being arrested, having to file for bankruptcy,
or fighting for child custody, the last thing a person needs
is to be hit with complicated legal jargon and confusing procedures
on what steps to take.
LawInfo has produced
online videos that take the mystery out of the legal process
by breaking down complex legal problems into clear, easy-to-understand
solutions. These "How-to" videos provide information
on a variety of legal topics in all major areas of law, including
family law, estate planning, criminal law, business, bankruptcy
and labor and employment.
Credit
and collection blog: Be sure to check our blog weekly
for the latest articles and updates on the credit and collection
industry. We cover a lot of credit repair topics on the blog
as well as the latest headlines about credit, debt and bankruptcy
problems and issues.
Need more? Become
a member to gain access to all articles plus the DIY credit
repair and collection education program. One time fee for
lifetime access to our DIY credit repair kit.
Miss an article? Check our sitemap for a
full list of all our credit repair
articles.
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