Credit Facts & and Tips

• Good Advice:

  "Karen says the best overall strategy to obtain the highest possible credit score is two-fold.

  First, you need to dispute all negative items on your credit reports and try to have them removed. This may take multiple attempts and detailed dispute letters with clear proof of the error. It may take digging through your old files or contacting old creditors. Sometimes negative items will be removed but added back onto your credit history if they get verified by the reporting agency.

  Finally, you should obtain more GOOD CREDIT than bad on your credit history files. This involves a careful money management strategy and using new credit from companies that will happily help to report your GOOD payment history to the credit bureaus every month.

  And MOST importantly, of course, is to make your payments on time, each and every month!"

• Divorced ?

  Most people will have records on their credit files from previous joint credit accounts. You should have the records that do not reflect your current accounts removed if you are not responsible for these payments.

  More

• Bankruptcy ?

  It is always best to check with a reputable Legal Firm when you have a bankruptcy in your past. They will make recommendations specific to your needs. I found that attorneys that specialize in credit repair will know exactly how to deal with your credit records. They will help you raise your credit score by preparing valid disputes for you.

  Everyone deserves a second chance and Lexington Law understands this better than anyone. They want to help you out so you can get approved for your the loans you need and save money on interest rates too.

  More

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Repair Credit Group .com

You are not alone in pursuing information about correcting your credit reports. Nearly 75% of people in the US are discovering things that should be fixed on their credit records. There is no reason to be embarrassed or worried. You are in good company.

Welcome to RepairCreditGroup.com!
Hi, I'm Karen, President of RepairCreditGroup.com.

After I was divorced, I had to deal with my credit files. I found my ex-husband's poor payment history on credit card accounts listed on MY credit reports even though he had full responsibility. I had trouble getting approved for my own new credit card and it made me angry!

Today the Internet makes it easy to get your credit reports. I had to drive into Chicago and wait at the TransUnion counter and sign my name to get mine mailed to me. What a pain! Ok, that was a few decades ago.

Today it is a LAW that you can get a free copy of your credit reports from each of the 3 credit bureaus once a year - and you can do it online - for FREE.

You should know right off that you don't need to pay anything at all to get your credit reports. You don't need to signup to pay any monthly fees to monitor your credit. You don't even need your credit score - at first. Just get your credit reports downloaded or emailed to you, and print them to study. While you DO have to enter enough personal information for identity verification, you will appreciate that they insist on it to ensure your privacy.

The FACT Act is the Fair and Accurate Credit Transactions Act signed into law in 2003. It allows consumers to get one free comprehensive disclosure of all the information on their credit files from each of the 3 national credit reporting companies every 12 months through a "Central Source".

This means you do NOT need to pay anything. You simply need to go to www.AnnualCreditReport.com - the "Central Source", to obtain your credit reports free. I know they offer extra services and your credit score if you pay some fees. But you DON'T NEED them!

You can download your credit reports or have them emailed or snail mailed to you, but it's FREE.

Your next step may seem more difficult. You have to review and study all 3 credit reports - or let someone you trust do it for you.

You will get 3 separate credit reports; one from each main credit bureau, TransUnion, Equifax, and Experian. They all have separate databases and financial records about your credit history. The reports may contain the same information, but watch for differences. You may notice that some accounts do not appear on all 3 reports.

You should also notice that your credit reports include the addresses to mail them if you want to dispute, or protest, any information listed. You can also go online to the specific credit bureau's website to get more details you will need to prepare and mail your dispute letter. Notice you may need to send a separate dispute letter to more than one credit bureau. Be sure to match up the transactions or accounts you are disputing with the appropriate credit bureau. And you should to send them some proof to help ensure the items in question get removed.

Even if you know you made some financial mistakes in the past, you can often still get those negative items removed from your files to drastically raise your credit score. A real do-it-yourselfer will find all the information they need at RepairCreditFacts.com.

Or, when you see what is involved in correcting your credit file, you may decide to get help. I recommend the professional services of Lexington Law. They have a proven track record of removing errors and negative records for their clients in every state. They know how to deal with complications like chargeoffs, judgements, bankruptcy, and negative credit items. They have been successful helping people all across the US.

Relax and contact Lexington Law firm right away. They will tell you what you need to get started - and how little it will cost. You'll be surprised how affordable it will be to repair your credit with Lexington Law's professional services. Get started now at the Lexington Law Sign-Up Page

In a few weeks, your credit score will be higher and you can start SAVING MONEY!

To Your Financial Health!
Karen

PS. Remember, TIME is MONEY and you can start saving money sooner  when you TAKE ACTION TODAY!

Karen S Mueller maintains RepairCreditGroup.com, RepairCreditFacts.com and the new BLOG RepairCreditSupport.com to help consumers deal with credit repair issues and avoid being scammed or spending money for services they don't need. Karen is President of GreenForestWebsites.com, a group of websites to help people and promote a better world for "everyone".