BETTER YOUR CREDIT PROFILE

Size: px
Start display at page:

Download "BETTER YOUR CREDIT PROFILE"

Transcription

1 BETTER YOUR CREDIT PROFILE

2 Introduction What there is to your ITC that makes it so important to you and to everyone that needs to give you money. Your credit record shows the way you have been paying your whole life. Are you a naughty non payer or are you someone that know the money world and knows how to pay your things. The ITC Credit Report is a little report about all your payments you have made in your life and if you missed some?. Case might be if you missed paying someone for some time you will get listed. That is their way to get back at you for not giving them money. and to a lot of people it might sound like noting but to be listed on the ITC or the Credit Bureau is really bad and no one will give you money if you are listed. Its purely the impression of if you didn t pay those people why on earth would you pay me so to get the impression away you need to clear your ITC and get your name off the Credit Bureau. So say for example you are not a bad payer but something along the line happened that you got listed on ITC. You still sit with the same problem it will all depend on you how quick you can react to it. Getting your name cleared soon as what you can might help you get that loan on your car or get financed for your house. I vote being on the ITC is worse than sitting in jail. Not only cant you do anything with the banks you can t get money from anyone. and if you are still renting. Most people do ITC CREDIT CHECK on you to see if you are going to pay your rent. Get your name cleared from the ITC and make sure you live a life in comfort! There is no time to worry or stress about things in life as payments all the time and being listed! Get off the Credit Bureau! And your Credit Record Cleared! Your credit rating is among one of the most important things in your life. It will determine your future. And your life can be more fulfilled if your rating is high. You need to find out how to increase your credit score to make your future brighter. The best way to quickly improve your score is to obtain a line of credit, whether it is from a credit card company or a department store. Some of these establishments may be tighter than others, so you may need to shop around for a lenient lender. The stores are usually pretty free with their lending as long as you have another card. The important thing is that they report to the three major credit bureaus monthly. If you have had a bankruptcy, a foreclosure, or a repossession of a vehicle, you will find that getting credit again is nearly impossible. You may need to get the kind of credit card wherein you will be actually borrowing against your own money and paying an interest rate. It is a prepaid card and it allows you to use a credit card, build up your credit rating, but you are using your own money. You can also obtain credit through a used car dealer. They are probably among the most lenient lenders. This is because people who buy used cars usually can t afford a new car. And often their credit is a bit tarnished. They need the sales, so they have to be more forgiving. Just be sure they report monthly to the credit bureaus. Once given the line of credit, work with it diligently. Make the payments on time. They need to be made before or on the due date. You cannot pay them late. Late bills will ruin your credit score, and this record stay on it for seven years. Write it on your calendar, your date book, or set an alarm on your computer. Whatever you need to do to get the bills out on time is necessary.

3 These payments need to be made on a monthly basis for twenty-four months in order for your credit to look perfect. And the longer you keep up this good habit, the higher your credit score will be. You need not make large payments that are much more than the minimum required. It will make absolutely no difference to the bank that issued you the credit. The payments need to be made on time for the minimum amount due. Once a pattern is established, you can see how easily it is to stick to it. Your score will increase nicely, and your auto insurance premiums may even decrease over time. When you learn how to increase your credit score, you can buy nearly anything you want. Getting a credit report to help improve your credit rating and score does not have to cost you money when you know the right steps to follow, and exactly what to do when dealing with the credit bureaus and your creditors. Following these simple steps can help you remove many mistaken and negative items on your credit reports, and greatly improve your credit rating and credit score. Poor or bad credit can have a big impact on your life, and these steps cost you nothing while significantly improving your credit. Step 1 - Obtain All Three Credit Reports The first step is to obtain a copy of all three credit reports. There are three major credit reporting agencies, and each one may have different credit information about you. It is critical that you get a copy of the report from each of the three companies, so that you have all your credit information. Some information may appear on one report but not the other two, so you will need a copy of all three credit reports to start. Step 2 - Review Reports for Mistakes Once you have received your reports make sure to go over each one very carefully. Look at all the information for each account listed, and make sure that all of the data for each account is completely correct. The reason for doing this is credit bureaus make information mistakes quite often. Some mistakes that you may find are: accounts that are not even yours, incorrect payment and balance information, and the wrong status of an account. These mistakes and errors can have an enormous impact on your credit rating, and need to be corrected as soon as possible. Another aspect you need to look for when you review your credit report is negative items. These include late payments, bankruptcies, missed payments, delinquent accounts, and other negative actions which are listed in your credit report. When you start reviewing your credit report makes sure to examine all three reports closely. Often you will find that all three reports do not contain identical information, so make sure that you search each one individually to catch all the mistakes and negative items that may be present. Step 3 - List Negative Items, Mistakes and The Credit Bureau Holding the Information Make a list of each negative account item and mistake, as you examine each credit report. As you move from one report to the next make sure to note which credit bureaus show each item you want to dispute. This is important, because before you can dispute an item you need to know how many of the three credit reports are affected. You may only have a few negative items and mistakes, or you may have a large number of them. Grab a pen or pencil, a pad of paper, and all three credit reports. Start with the first one, and write down every negative item or mistake that you find. Include the creditor, the account number, the file or bureau number, and other relevant information.once you have finished the first credit report you should have a complete list of all the negative accounts and mistakes that the report contains. The other two reports will be easier, because when you locate a mistake or negative item you can check your list. If the item is already listed simply write in the second credit bureau besides the listing. Any items not already listed are added. After the third credit report has been evaluated you will have a list of every single

4 negative item and mistake that all of your credit reports include, and you are ready to start the dispute process. Step 4 - Dispute Mistakes and Negative Items with Each Credit Bureau Once you have your master list for the dispute process you will need to contact each credit bureau for every mistake or negative item that the bureau shows for you. The law gives you the right to dispute any account information at any time. Once you dispute the entry then the credit bureau must verify that all of their information is correct and up to date. The credit bureaus have a reasonable time to verify that the information they have is correct, and this is normally considered thirty days, but it can be more or less than this number. In some cases, due to computer or operator errors, a disputed item may disappear when it has been challenged. Often when you dispute an item then the creditor or credit bureau misses the deadline to confirm the information is, indeed, accurate, and in these cases the information must be removed from your credit report. The older an item is on your credit report the easier it is to see it disappear because of a dispute. You have the legal right to dispute any items on your credit report every thirty days, and if you do this step each month the odds of your disputed entry being deleted increases every time you dispute the item. Step 5 - Avoid Using Credit Repair Companies, Letterheads, or Fill it in Forms One of the worst things you can do for your credit report is to hire a credit repair company, which can cost you thousands of dollars and does the exact same thing that you can do for free with a little knowledge. When you hire a credit repair company you are paying a lot of money, and often these companies do not even take all the steps that you can do for free. You should also avoid using any letterheads or blank forms that you fill in when dealing with the credit bureaus, because these may cause them to think you are using a credit repair service. Step 6 - Demand Verification from the Creditor One step that is very effective is to demand verification from the original creditor, not the credit bureau. This method is an auditing technique, and you can be amazed at how effective it can be. Normally only attorneys will do this and they charge for the service, but when you know how you can do it yourself, you can save a lot of money. Auditing takes advantage of the fact that most creditors and collection agencies use computers to store files, and usually destroy the papers associated with these files after a year or two. This includes signed documents and verifications. Contact the creditor and demand to see written documentation as proof that the account is really yours and not a mistake. Federal law states that upon demand the creditor must provide the written documentation you are requesting within a reasonable time. This is determined to be a copy of the signed contract that you had with the original creditor of the account. If the creditor cannot provide this written proof then they must remove the file. When you send the letter requesting the proof, date it and keep a copy. Also send the request certified mail with a return receipt requested. A reasonable time would be seven days from the receipt of the demand by the creditor. This gives the creditor three days to locate the requested documentation and four days for you to receive this documentation through the mail. If you do not receive the proof within seven days of the date on the receipt then you can demand the credit bureau remove the information from your account. If it is not done you can contact the attorney general of your state or sue the creditor and credit bureau in small claims court. Step 7 - Send All Important Correspondence Certified Mail with a Return Receipt When you are disputing items on your credit report you may find that your first letter does not usually get a response. After you dispute the item the credit bureau has thirty days to verify this information and respond. If you have not received anything within thirty days send another dispute letter, putsecond demand on the top, and take a copy. Mail this second letter using certified mail, and make

5 sure that you get a return receipt. This can cost a couple of dollars but is well worth the cost if the credit bureau or creditor does not respond according to the legal time line. Mailing the letter this way shows the date that the letter was received, which starts the clock in your favor. If you do not receive anything within thirty days of your second letter then you may want to file a small claims suit in your local court. The return receipt along with copies of all your letters will be enough to win your case. Many times you will win by default, because the credit bureau does not even send a representative to the hearing. When you win make sure to ask that the disputed item be removed from your credit report. Step 8 - Negotiate Verified Negative Items with the Creditor or Collection Company If you have disputed an item, audited the creditor, and received the written documentation requested then you may want to consider negotiating with your creditors to change the entry on your credit report. You have a large amount of leverage, because your creditors know that if you declare bankruptcy they will not normally see a penny of the debt, and it will be erased. If the debt is verified start the negotiations with an offer of ten cents on the dollar if you can afford this amount, and work from there. During the negotiations make sure that you insist on a signed agreement, one that states once you have paid the negotiated amount the creditor will change the entry in your credit report to a favorable one. This step can really boost your credit rating, and help you eliminate your debt for pennies on the dollar. You do not need an attorney to negotiate with your creditors, because you have all of the leverage. Step 9 - Review Your Updated Credit Reports to Verify they Were Corrected Once changes have been made to your credit report because of all your work and efforts, make sure to get an updated copy of each one. Review each report to make sure it has been corrected, and that every disputed item has been either verified by the creditor or has been removed. Sometimes the credit bureaus may take longer than allowed, and if your credit report is not updated then contact the bureau gain, and threaten legal action if they do not remove the unverified entries from your report. Do not be surprised if it takes more than one letter to get action, and remember the important time frames are on your side. Once you dispute an item and it cannot be verified, the credit reporting agencies must remove it from your report in a timely manner. If this is not done then you can take legal action, and receive punitive damages from the credit bureaus for their failure to act. Step 10 - Use Certain Times to Your Advantage Make sure to keep a copy of every letter and demand that you send, along with the date sent. This will help you keep track of important time lines and dates, so you can tell whether the credit bureau or creditor acted within the allowed time limits. A big tip is to send out the dispute letters near the holidays, because often this is a busy time for the credit agencies and your dispute may not be processed in time. This means that the entry must be removed, and you can take legal action if it is not. Conclusion Hopefully after reading our report you have a good idea of how you can fully repair your damaged credit. Don t waste a ton of money by using the middle man. Everything you are going to need to do to repair your credit can be done without the help of costly outsiders or a legal team. You have the formula you are going to need right here in front of you. So get out there, take control of finances, and don t stop until you are completely satisfied and back on the right track. We sincerely hope that this report helps you and we urge you to contact us if you need any further advice or help. The most important piece of advice we can offer is start taking action TODAY, not tomorrow or the next day. No one else is going to repair your credit for you. So it s up to you now. Take advantage!

Free Report: How To Repair Your Credit

Free Report: How To Repair Your Credit Free Report: How To Repair Your Credit The following techniques will help correct your credit and should be done with all Credit Bureaus. In this section you will learn the ways of removing negative items

More information

Credit Repair Made Easy

Credit Repair Made Easy Credit Repair Made Easy A simple self help guide to credit repair By Don Troiano Introduction My name is Don Troiano and I spent over 15 years in the mortgage industry. Knowing how to guide customers in

More information

Fun, engaging and effective. Aligned with national financial education and core curriculum requirements.

Fun, engaging and effective. Aligned with national financial education and core curriculum requirements. Building Your Financial Foundation Adult Level Curriculum - Instructors Guide Fun, engaging and effective. Aligned with national financial education and core curriculum requirements. Lessons on: Credit

More information

Improve Your Financial Status: Remove the Errors on Your Credit Report

Improve Your Financial Status: Remove the Errors on Your Credit Report When life happens... Improve Your Financial Status: Remove the Errors on Your Credit Report How to correct errors on your credit report and boost your credit score Don't Let Credit Report Errors Harm Your

More information

The West Virginia State Treasurer s Office. A free publication provided by

The West Virginia State Treasurer s Office. A free publication provided by YOUR CREDIT SCORE A free publication provided by The West Virginia State Treasurer s Office Visit www.wvtreasury.com or Call 1.800.422.7498 From the Office of West Virginia State Treasurer, John D. Perdue

More information

Financial Empowerment Curriculum Moving Ahead Through Financial Management. Workshop Credit Overview

Financial Empowerment Curriculum Moving Ahead Through Financial Management. Workshop Credit Overview Financial Empowerment Curriculum Moving Ahead Through Financial Management Workshop Credit Overview 1 Workshop Objectives Explain why credit is important. Access and read a copy of your credit report.

More information

Your Credit Repair Solution

Your Credit Repair Solution Your Credit Repair Solution Introduction Your Credit Report Solution will help you understand that there is help available for fixing your credit. Even though you might feel as though you are alone and

More information

HOW TO BOOST YOUR CREDIT IN 30 DAYS OR LESS

HOW TO BOOST YOUR CREDIT IN 30 DAYS OR LESS HOW TO BOOST YOUR CREDIT IN 30 DAYS OR LESS By The Arizona Credit Law Group, PLLC A consumer rights law firm Learn how to improve your credit using 5 simple rules No tricks, no gimmicks, just facts. The

More information

Understanding Your Credit Report

Understanding Your Credit Report Understanding Your Credit Report What is credit? Credit is the use of someone else s money in exchange for a promise to pay it back on a given date. There are two major types of credit: Revolving and Installment.

More information

How to Avoid The Five Biggest First-time Homebuyer Mistakes. Mistake #1

How to Avoid The Five Biggest First-time Homebuyer Mistakes. Mistake #1 How to Avoid The Five Biggest First-time Homebuyer Mistakes Mistake #1 Failure To Examine And Repair Any Credit Problems Prior To Applying For Your Loan Many potential new home buyers have no idea what

More information

In Home Sales Training Manual. Debt Settlement Program

In Home Sales Training Manual. Debt Settlement Program In Home Sales Training Manual Debt Settlement Program Introduction to the industry The debt relief business is booming because of the rise in unemployment rates, the poor economy, and those who have found

More information

The Basics of Building Credit

The Basics of Building Credit The Basics of Building Credit This program was developed to help middle school students learn the basics of building credit. At the end of this lesson, you should know about all of the Key Topics below:»

More information

Contents 1 WHAT'S ON YOUR CREDIT REPORT?... 3 WHAT IS IT?... 3 HOW TO GET YOUR CREDIT REPORT... 5 WHAT'S ON YOUR REPORT?... 7

Contents 1 WHAT'S ON YOUR CREDIT REPORT?... 3 WHAT IS IT?... 3 HOW TO GET YOUR CREDIT REPORT... 5 WHAT'S ON YOUR REPORT?... 7 DIY Credit Repair Contents 1 WHAT'S ON YOUR CREDIT REPORT?... 3 WHAT IS IT?... 3 HOW TO GET YOUR CREDIT REPORT... 5 WHAT'S ON YOUR REPORT?... 7 2 LOCATE THE CREDIT REPORT MISTAKES... 10 WHY ARE THERE MISTAKES?...

More information

IMPORTANCE OF CREDIT HISTORY AND SUCCESSFUL SAVING

IMPORTANCE OF CREDIT HISTORY AND SUCCESSFUL SAVING IMPORTANCE OF CREDIT HISTORY AND SUCCESSFUL SAVING From America Saves and Experian WHAT IS A CREDIT REPORT AND SCORE? A credit score is a three digit number that measures how likely you are to repay a

More information

Mortgage Secrets. What the banks don t want you to know.

Mortgage Secrets. What the banks don t want you to know. Mortgage Secrets What the banks don t want you to know. Copyright Notice: Copyright 2006 - All Rights Reserved Contents may not be shared or transmitted in any form, so don t even think about it. Trust

More information

Financial Empowerment Curriculum. Moving Ahead Through Financial Management. Module Three: Mastering Credit Basics

Financial Empowerment Curriculum. Moving Ahead Through Financial Management. Module Three: Mastering Credit Basics Financial Empowerment Curriculum Moving Ahead Through Financial Management Mastering Credit Basics Reviewing, Understanding and Improving Your Credit Module 3: Mastering Credit Basics Time Clock: 11:00-12:00

More information

How to Settle Your Debts and Repair Your Credit

How to Settle Your Debts and Repair Your Credit How to Settle Your Debts and Repair Your Credit 1 Thomas L Stephani Copyright 2006 Thomas L Stephani ISBN XXXXXXXX (we will automatically assign one of ours if you don t include one here) All rights reserved.

More information

Using Credit to Your Advantage

Using Credit to Your Advantage Hands on Banking Using Credit to Your Advantage Credit Reports, Credit Scores and Dealing with Debt The Hands on Banking program is a free public service provided by Wells Fargo. You may also access the

More information

How to Use Credit. Latino Community Credit Union & Latino Community Development Center

How to Use Credit. Latino Community Credit Union & Latino Community Development Center How to Use Credit Latino Community Credit Union & Latino Community Development Center How to Use Credit Latino Community Credit Union & the Latino Community Development Center www.latinoccu.org Copyright

More information

JUST BEGINNING. Your financial life is. I m Buying a Car!

JUST BEGINNING. Your financial life is. I m Buying a Car! Your financial life is JUST BEGINNING. The decisions you make now will put a steering wheel and a credit card in your hands. But they will also affect your financial future. Your choices may even prevent

More information

About credit reports. Credit Reporting Agencies. Creating Your Credit Report

About credit reports. Credit Reporting Agencies. Creating Your Credit Report About credit reports Credit Reporting Agencies Credit reporting agencies maintain files on millions of borrowers. Lenders making credit decisions buy credit reports on their prospects, applicants and customers

More information

Improving a Credit Profile

Improving a Credit Profile Improving a Credit Profile Steps to improving a credit profile STEP 1. Order your credit Report STEP 2. Evaluate & develop a plan STEP 3. Is the personal information accurate? STEP 4. Are the tradelines

More information

We will need this paperwork before any further work will transpire on your file. Included in this package, you will find the following:

We will need this paperwork before any further work will transpire on your file. Included in this package, you will find the following: Thank you for enrolling in our credit repair service. To get started, you will need to read and follow the instructions below. Please read the entire welcome packet as it contains important information

More information

PRACTICAL MONEY GUIDES CREDIT HISTORY. Your credit history and how it affects your future

PRACTICAL MONEY GUIDES CREDIT HISTORY. Your credit history and how it affects your future PRACTICAL MONEY GUIDES CREDIT HISTORY Your credit history and how it affects your future YOUR CREDIT HISTORY THE RECORD OF HOW WELL YOU HANDLE CREDIT To get a glimpse of your financial future, many businesses

More information

Using Credit to Your Advantage.

Using Credit to Your Advantage. Using Credit to Your Advantage. Topic Overview. The Using Credit To Your Advantage topic will provide participants with all the basic information they need to understand credit what it is and how to make

More information

Credit Report Info Packet

Credit Report Info Packet Credit Report Info Packet Information in this Packet What Is a Credit Report?.....................3 What Is a Credit Score?..................... 4 Who Can See Your Credit Report?.............. 5 Ordering

More information

How To Clean Your Credit In 60 Days... Or Less!

How To Clean Your Credit In 60 Days... Or Less! Credit Repair Kit Easy To Read - Easy To Use Step-By-Step Method How To Clean Your Credit In 60 Days... Or Less! This Guidebook Will Show You How You Can Have Perfect Credit With Very Little Effort FREE

More information

Building a CREDIT REPORT. Federal Trade Commission consumer.ftc.gov

Building a CREDIT REPORT. Federal Trade Commission consumer.ftc.gov Building a CREDIT REPORT Federal Trade Commission consumer.ftc.gov Shopping for a car? Applying for a job? Looking for a home? Getting your financial house in order? It s time to check your credit report.

More information

Week 2: Personal Guarantor

Week 2: Personal Guarantor Week 2: Personal Guarantor Before you begin the credit building process, you need to identify who will personally guarantee the business credit lines. Your choices are as follows: yourself, someone you

More information

FREE YOUR MIND http://freeyourmindonline.net. Stop House Repossession

FREE YOUR MIND http://freeyourmindonline.net. Stop House Repossession FREE YOUR MIND http://freeyourmindonline.net Stop House Repossession The purpose of this report is to open the curtains on the mortgage industry and give regular people in depth insights on foreclosure

More information

Credit Scoring and Wealth

Credit Scoring and Wealth the Problem In most games, it is wise to understand the rules before you begin to play. What if you weren t aware that you were playing a game? What if you had not choice whether to play or not? Everyone

More information

BANKRUPTCY The Bankruptcy and Insolvency Act

BANKRUPTCY The Bankruptcy and Insolvency Act 1 BANKRUPTCY Bankruptcy, not a nice word. It conjures up all sorts of bad impressions. However, on the other hand, it may be the start of a new life. How can that be? Read on. It might be just what you

More information

Want more background and training tips?

Want more background and training tips? Avoiding and Fixing Credit Problems Parents Learner Outcomes Outcome #1: Participants will be able to list two ways to avoid credit problems. Outcome #2: Participants will be able to name a consequence

More information

Knee Deep in Debt. Self-help

Knee Deep in Debt. Self-help Knee Deep in Debt Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car? You're

More information

Credit arrangements can be formal or informal. The three most common types of credit used by consumers are described below.

Credit arrangements can be formal or informal. The three most common types of credit used by consumers are described below. 1-888-842-6328 For toll-free numbers when overseas, visit Collect internationally 1-703-255-8837 TDD for hearing impaired 1-888-869-5863 Credit Wise Credit: a Useful Tool Most of us use consumer credit

More information

6. Always pay something: Even if you can't pay all of your bills in full, always make the minimum payment by the due date.

6. Always pay something: Even if you can't pay all of your bills in full, always make the minimum payment by the due date. 1. Make your payments on time: Every late payment can hurt you, and in more than one way. Many utility companies report your payments to the credit bureaus. It also costs you more if you pay late as you

More information

How to improve your FICO Score in perilous times By Blair Ball. National Distribution of FICO Scores

How to improve your FICO Score in perilous times By Blair Ball. National Distribution of FICO Scores How to improve your FICO Score in perilous times By Blair Ball When you re applying for credit whether it s a credit card, a car loan, a personal loan or a mortgage lenders want to know your credit risk

More information

10 Questions to Ask a Bankruptcy Attorney Before Hiring Them. Bankruptcy Law Professionals. of Colorado. Declare Your Freedom

10 Questions to Ask a Bankruptcy Attorney Before Hiring Them. Bankruptcy Law Professionals. of Colorado. Declare Your Freedom 10 Questions to Ask a Bankruptcy Attorney Before Hiring Them Bankruptcy 1. How quickly can my case be filed? Can I file it today? A good bankruptcy attorney will know that filing your bankruptcy case in

More information

Spouses, ex-spouses and children are a major example of what causes credit report errors, identity theft and confusion of reporting data.

Spouses, ex-spouses and children are a major example of what causes credit report errors, identity theft and confusion of reporting data. Repair Credit? Repair Credit Scores? Is it Worth all the Extra Effort? 850 750 300 You should check your credit reports and official credit scores at least once a year, or more often, when you are preparing

More information

Understanding Credit. Megan Stearns, Credit Counselor

Understanding Credit. Megan Stearns, Credit Counselor Understanding Credit Megan Stearns, Credit Counselor Obtaining your free credit report will lower your credit score. Closing old accounts can help your credit score. Paying off the balances on your credit

More information

Self Help Credit Repair Guide

Self Help Credit Repair Guide Self Help Credit Repair Guide This report will inform you of your rights under the Fair Credit Reporting Act (FCRA) and what you can do about it! In 1971 Congress passed legislation to protect consumer

More information

Managing High Levels of Debt

Managing High Levels of Debt STUDENT MODULE 13.1 BANKRUPTCY PAGE 1 Standard 13: The student will evaluate the consequences of bankruptcy. Managing High Levels of Debt Montana and Carolina could not wait to graduate from high school

More information

BankFirst Mortgage Services

BankFirst Mortgage Services BankFirst Mortgage Services Thank you for taking the time to educate yourself on your new mortgage loan. We understand that it is a difficult process for new home buyers. We ll be happy to answer any question

More information

You see the ads in newspapers, on TV, and online. You

You see the ads in newspapers, on TV, and online. You You see the ads in newspapers, on TV, and online. You hear them on the radio. You get fliers in the mail, email messages, and maybe even calls offering credit repair services. They all make the same claims:

More information

Life After Bankruptcy. By Jason Amerine

Life After Bankruptcy. By Jason Amerine Life After Bankruptcy By Jason Amerine Bankruptcy: A Fresh Start for You Every day I have clients ask me about what life might be like after bankruptcy, and perhaps you re feeling that way, too. Sure,

More information

Personal Credit Recovery Program

Personal Credit Recovery Program Personal Credit Recovery Program Program Benefits Get 24/7 online access to your personal credit report and score Learn at your own pace by working through our self-study credit rebuilding guide Access

More information

HOW LONG DOES IT TAKE TO FILE CHAPTER 7 BANKRUPTCY IN PHILADELPHIA?

HOW LONG DOES IT TAKE TO FILE CHAPTER 7 BANKRUPTCY IN PHILADELPHIA? HOW LONG DOES IT TAKE TO FILE CHAPTER 7 BANKRUPTCY IN PHILADELPHIA? Before You Decide to Move Forward with Chapter 7 Bankruptcy, You Need to Become Familiar with All the Finer Details of the Process; this

More information

FDIC Money Smart Financial Education Program

FDIC Money Smart Financial Education Program Use this tip sheet to identify and address issues surrounding your credit and its history. This tip sheet covers the following topics: Ordering your credit report Reading a credit report Disputing information

More information

BANKRUPTCY. What is the difference between a Chapter 7 and a Chapter 13 bankruptcy?

BANKRUPTCY. What is the difference between a Chapter 7 and a Chapter 13 bankruptcy? BANKRUPTCY Bankruptcy means you ask the court to excuse you from your duty to repay your creditors. A person or business you owe money to is called a creditor. Bankruptcy allows you to discharge (get rid

More information

ASK 4 Premier Credit Repair, Inc. 304 Indian Trace, #730 Weston, Florida 33326

ASK 4 Premier Credit Repair, Inc. 304 Indian Trace, #730 Weston, Florida 33326 ASK 4 Premier Credit Repair, Inc. 304 Indian Trace, #730 Weston, Florida 33326 We warmly welcome you to Ask 4 Premier Credit Repair, Inc. To get started, you will need to read and follow the instructions

More information

The Debt Elimination Roadmap

The Debt Elimination Roadmap The Debt Elimination Roadmap Thank you for taking advantage of this special offer and taking a serious look at your current financial situation. What you ll find, over time, is that you re now involved

More information

How to Improve and Maintain your Credit Score

How to Improve and Maintain your Credit Score How to Improve and Maintain your Credit Score Special points of interest: Factors that influence your credit score How your credit score is calculated Improving your credit score How to fix flawed credit

More information

How To Improve Your Credit Scores

How To Improve Your Credit Scores How To Improve Your Credit Scores From About.com Techniques for Better Credit Reports and Scores Lenders analyze your credit scores to determine whether or not to approve a home mortgage, a car purchase

More information

Why Credit is Important

Why Credit is Important Page 1 Why Credit is Important Page 6 How to Protect Yourself from Identity Theft Page 7 Cosigning and Money Lending Tips Page 8 How to Avoid Credit Card Interest Why Credit is Important Learning to build

More information

BECAUSE YOUR CREDIT IS WORTH IT!

BECAUSE YOUR CREDIT IS WORTH IT! Welcome! Thank you for enrolling in our credit repair service. To get started, you will need to read and follow the instructions below. The Instructions for the Application are as follows: 1.) Please read

More information

3. How to Use Credit

3. How to Use Credit 3. How to Use Credit Building a Better Future 103 104 Building a Better Future UNIT 3: HOW TO USE CREDIT Lesson 1: What is Credit? Lesson Objectives: Students will understand why credit is important Students

More information

Credit Repair 101. Learn how to legally repair your own credit

Credit Repair 101. Learn how to legally repair your own credit Credit Repair 101 Learn how to legally repair your own credit The myth is, that you need to spend hundreds or even thousands of dollars with a large company to have your credit repaired. This is just not

More information

BalanceTrack. The World of Credit Reports

BalanceTrack. The World of Credit Reports BalanceTrack The World of Credit Reports Credit reports and credit scores influence our lives in many ways. Your history of credit management can affect the cost of the credit you receive, your ability

More information

TRINITY DEBT MANAGEMENT SERVICES 12725 W. Indian School Road, Suite E-101, Avondale, AZ 85323 Phone (623) 512-4852

TRINITY DEBT MANAGEMENT SERVICES 12725 W. Indian School Road, Suite E-101, Avondale, AZ 85323 Phone (623) 512-4852 TRINITY DEBT MANAGEMENT SERVICES 12725 W. Indian School Road, Suite E-101, Avondale, AZ 85323 Phone (623) 512-4852 DEBT & CREDIT MANAGEMENT & DEBT ELIMINATION/NEGOTIATIONS FREQUENTLY ASKED QUESTIONS ***PLEASE

More information

MUST know before you file for Bankruptcy

MUST know before you file for Bankruptcy 7things you MUST know before you file for Bankruptcy While many people know something about bankruptcy, they do not quite understand it. This guide will help you understand the impacts that bankruptcy

More information

Credit Repair For Court Reporters. When Bad Dings Happen To Good People. By Julie Samford Realtime Ready. Julie Samford julie@realtimeready.

Credit Repair For Court Reporters. When Bad Dings Happen To Good People. By Julie Samford Realtime Ready. Julie Samford julie@realtimeready. Credit Repair For Court Reporters When Bad Dings Happen To Good People By Realtime Ready 1 $96,634.00 difference! That s $5,496.00 straight out of your pocket when you could have had 0% interest! (Info

More information

Managing Your Credit Report and Scores. Apprisen. 800.355.2227 www.apprisen.com

Managing Your Credit Report and Scores. Apprisen. 800.355.2227 www.apprisen.com Managing Your Credit Report and Scores Apprisen 800.355.2227 www.apprisen.com Managing Your Credit Report and Scores Your credit score is one of the most important aspects of your personal finances. From

More information

PNC Financial Education FINANCIAL OPS. Banking Solutions for Military Personnel. Credit: Self study Guide

PNC Financial Education FINANCIAL OPS. Banking Solutions for Military Personnel. Credit: Self study Guide PNC Financial Education FINANCIAL OPS Banking Solutions for Military Personnel Credit: Self study Guide Revision Date: 11/2012 PNC Financial Education:FINANCIAL OPS Understanding Credit We all have financial

More information

Your Credit Score. 800-491-2328 www.congressionalfcu.org. score of at least 620 for approval and 760 for the best interest rate.

Your Credit Score. 800-491-2328 www.congressionalfcu.org. score of at least 620 for approval and 760 for the best interest rate. 800-491-2328 www.congressionalfcu.org Your Credit Score Your credit score can have a major impact on your life. Not only do creditors typically check your score when deciding whether or not to approve

More information

1 Identify your goal. What is it that you want to buy. 2 Gather information. What are the terms of the credit

1 Identify your goal. What is it that you want to buy. 2 Gather information. What are the terms of the credit Be a Savvy Credit User About 40% of credit card holders carry individual balances of less than $1,000, while about 15% individually carry total card balances of more than $10,000. Forty-eight percent of

More information

Improving Your Credit

Improving Your Credit Teacher Homebuyer Guide to: Improving Your Credit By John Godbey, Founder and Broker of Teacher Homebuyer Real Estate Introduction Thank you for signing up for our Ebook "Improving Your Credit." We find

More information

REAL RESULTS -ATTORNEY PREPARED- CREDIT REPAIR DIY LETTERS. Louis-Jamel

REAL RESULTS -ATTORNEY PREPARED- CREDIT REPAIR DIY LETTERS. Louis-Jamel REAL RESULTS -ATTORNEY PREPARED- CREDIT REPAIR DIY LETTERS Louis-Jamel REAL RESULTS CREDIT REPAIR D.I.Y. LETTERS REAL RESULTS Written by: Louis-Jamel REAL RESULTS CREDIT REPAIR DIY LETTERS 2012 Author

More information

Getting a Difficult Business Loan Is Easy

Getting a Difficult Business Loan Is Easy Getting a Difficult Business Loan Is Easy Learn How Easy IT Is To Get a Business Loan Even IF You Have Bad Credit And Have Been Turned Down Before Every Winner Has A Coach! John P Fazzio, Your Coach www.winning-advantage.com

More information

How do I get good credit?

How do I get good credit? Slide 1 Credit The information provided in this e-course is intended for educational purposes only and does not constitute specific advice for you as an individual. When evaluating your particular needs,

More information

Unlimited Business Financing Without A Personal Guarantee!

Unlimited Business Financing Without A Personal Guarantee! Unlimited Business Financing Without A Personal Guarantee! Now YOU Can Have ALL The Business Credit You Need Faster Than You Thought Possible! Finally a Business Credit Asset that will Rid You of Business

More information

Understanding Credit. The Three C s of Credit. What is a Credit Bureau?

Understanding Credit. The Three C s of Credit. What is a Credit Bureau? Understanding Credit By definition, the word credit has to do with trust. This is why credit impacts so many financial issues in our lives including the extension of a loan or credit card, how high an

More information

Bankruptcy: Is It the Right Choice for You?

Bankruptcy: Is It the Right Choice for You? Bankruptcy: Is It the Right Choice for You? Find more easy-to-read legal information at www.ptla.org Introduction This is to help you to understand some basics about the bankruptcy laws and rules. This

More information

Money Borrowing money

Money Borrowing money Money Borrowing money Aims: To enable young people to explore ways of borrowing money and the advantages and possible consequences of doing so. Learning Outcomes: By the end of the session the participants

More information

Earning Extra Credit. Understanding what it takes to maintain and manage good credit now and for your future

Earning Extra Credit. Understanding what it takes to maintain and manage good credit now and for your future Credit 101 Why Credit is Important 3 Your Credit Score 5 FICO Scoring - From Good to Bad 7 Credit Bureaus 8 Credit-Worthy vs. Credit-Ready 9 Are you Drowning in Debt? 10 2 Why Credit is Important College

More information

MANAGING CREDIT101 TM %*'9 [[[ EPXEREJGY SVK i

MANAGING CREDIT101 TM %*'9 [[[ EPXEREJGY SVK i MANAGING CREDIT101 TM i This book is intended as a general guide to the topics discussed, and it does not deliver accounting, personal finance, or legal advice. It is not intended, and should not be used,

More information

Reviewing C Your Credit Report

Reviewing C Your Credit Report chapter 2 Reviewing C Your Credit Report What do your creditors have to say about the way you handle money? Having a good credit score can help you turn your home-buying dream into a reality. There s much

More information

The Guide To Buying Car Insurance in Washington

The Guide To Buying Car Insurance in Washington Your Guide To Getting the Best Insurance Coverage for Your Family The Guide To Buying Car Insurance in Washington Don t be without the Insurance Coverage that Insurance Companies Most Dread Selling Scott

More information

Please note the information contained within this document is for Educational purposes only.

Please note the information contained within this document is for Educational purposes only. Legal Notice: This ebook is copyright protected. This is only for personal use. You cannot amend, distribute, sell, use, quote or paraphrase any part or the content within this ebook without the consent

More information

My hope is that this short report will answer some questions and help you understand your next step.

My hope is that this short report will answer some questions and help you understand your next step. Dear Friend, I want to thank you for downloading this short report. Right now you may be feeling overwhelmed by financial pressure but I want you to know there is help for you. During my life as a bankruptcy

More information

Consumer Credit Counseling. Knowing Your Options A Briefing for Individuals Contemplating Bankruptcy

Consumer Credit Counseling. Knowing Your Options A Briefing for Individuals Contemplating Bankruptcy Consumer Credit Counseling Knowing Your Options A Briefing for Individuals Contemplating Bankruptcy Part 1 Overview You are contemplating bankruptcy and probably have a number of questions. Is bankruptcy

More information

A crash course in credit

A crash course in credit A crash course in credit Ever get the feeling that you re being watched? That someone s keeping an eye on how you handle your money? Well, you re not just imagining things. Banks, credit card companies,

More information

About your credit score. About FICO Score. Other names for FICO Score. http://www.myfico.com/crediteducation/creditscores.aspx

About your credit score. About FICO Score. Other names for FICO Score. http://www.myfico.com/crediteducation/creditscores.aspx http://www.myfico.com/crediteducation/creditscores.aspx About your credit score Your credit score influences the credit that s available to you and the terms (interest rate, etc.) that lenders offer you.

More information

What is Credit? What Different Types of Credit Are Available?

What is Credit? What Different Types of Credit Are Available? Credit and Debt What is Credit? Credit is a contract between a lender, such as a bank, a credit card company, or a store, and an individual or company. The lender provides the money or access to money,

More information

Your credit score. What it is. What it means.

Your credit score. What it is. What it means. Your credit score. What it is. What it means. Y ou may have heard of credit scores and wonder what they are. How do they affect your ability to get a loan? How do they affect the interest rate and points

More information

Do I need a credit repair attorney or law firm to repair my credit?

Do I need a credit repair attorney or law firm to repair my credit? Do I need a credit repair attorney or law firm to repair my credit? Each year, thousands of consumers applications for credit, insurance, home and auto loans are rejected due to bad credit or inaccurate

More information

For Consumers Federal Trade Commission. Credit Repair: Self-Help May Be Best. n companies that want you to pay for credit repair

For Consumers Federal Trade Commission. Credit Repair: Self-Help May Be Best. n companies that want you to pay for credit repair FTC Facts For Consumers Federal Trade Commission For The Consumer December 2005 www.ftc.gov 1-877-ftc-help Credit Repair: Self-Help May Be Best You see the advertisements in newspapers, on TV, and on the

More information

Understanding your Credit Score

Understanding your Credit Score Understanding your Credit Score Understanding Your Credit Score Fair, Isaac and Co. is the San Rafael, California Company founded in 1956 by Bill Fair and Earl Isaac. They pioneered the field of credit

More information

Thinking About Bankruptcy? Things You Need to Know.

Thinking About Bankruptcy? Things You Need to Know. Thinking About Bankruptcy? Things You Need to Know. In this handout, you will: Learn about Chapter 7 Bankruptcy. Find out what help is available. IMPORTANT: This handout is not legal advice. It is for

More information

IMPROVE YOUR CREDIT SCORE. Effective Credit Management At Your Fingertips

IMPROVE YOUR CREDIT SCORE. Effective Credit Management At Your Fingertips IMPROVE YOUR CREDIT SCORE Effective Credit Management At Your Fingertips Introduction In this ebook, you will get valuable information including: What is a credit score The score breakdown Managing your

More information

10 WAYS TO IMPROVE YOUR CREDIT LIFE

10 WAYS TO IMPROVE YOUR CREDIT LIFE 10 WAYS TO IMPROVE YOUR CREDIT BOOST YOUR SCORE AND ENRICH YOUR LIFE BY PATRICK SMORRA CREDIT PROBLEMS ARE EASY TO CREATE BUT HARD TO SOLVE Hello, my name is Patrick Smorra and I m the owner of Napa Chrysler

More information

YOUR CREDIT SCORE. Payment History - 35%

YOUR CREDIT SCORE. Payment History - 35% YOUR REDIT SORE Many of our clients are concerned about their ability to obtain credit in the future. There are several issues related to those concerns. redit reporting agencies (Experian, Equifax, and

More information

SOME IDEAS THAT MAY HELP WITH. Credit Problems and How to Get Help

SOME IDEAS THAT MAY HELP WITH. Credit Problems and How to Get Help 66308 1083 9/9/04 3:03 PM Page Cov1 SOME IDEAS THAT MAY HELP WITH Credit Problems and How to Get Help 66308 1083 9/9/04 3:03 PM Page Cov2 Table of Contents Do you have a credit problem? 1 Minor credit

More information

Being a Guarantor. Financial Series. in Alberta. What is a Guarantor? June 2011. Has someone you know asked you to be a Guarantor?

Being a Guarantor. Financial Series. in Alberta. What is a Guarantor? June 2011. Has someone you know asked you to be a Guarantor? Financial Series June 2011 Being a Guarantor in Alberta Has someone you know asked you to be a Guarantor? Are you already a Guarantor and worried about what comes next, or what is already occurring? This

More information

How the Fannie Mae Foundation can help.

How the Fannie Mae Foundation can help. How the Fannie Mae Foundation can help. If you re like most Americans, homeownership is a major part of the American dream. The Fannie Mae Foundation can help you understand the steps you will need to

More information

Tired of the Foreclosure Threat?

Tired of the Foreclosure Threat? Y o u r R e a l E s t a t e S t r e s s R e l i e f Tired of the Foreclosure Threat? Learn about the 6 options available to you when you are facing foreclosure Loan Modification Foreclosure Prevention

More information

Creditor Lawsuits Handbook

Creditor Lawsuits Handbook Creditor Lawsuits Handbook In Magisterial District Court A Handbook for people dealing with creditor lawsuits, including information on such suits and common defenses. Revised July 2009 Introduction This

More information

Credit Scoring. 1-800-444-RATE www.gogsf.com

Credit Scoring. 1-800-444-RATE www.gogsf.com Credit Scoring 1-800-444-RATE www.gogsf.com Your credit score is a major factor that will be considered by the lender when they review your loan application. They want to know what your credit history

More information

Credit Score Secrets Revealed

Credit Score Secrets Revealed Credit Score Secrets Revealed This Complementary Special Report was prepared by: 2 The Secrets Behind Your Credit Scores Your life is your credit. And your Credit Score is the key to everything. As important

More information

CREDIT REPORT: Adapted from the National Consumer Law Center Inc s. brochure entitled, The Truth About Credit Reports and Credit Repair Companies.

CREDIT REPORT: Adapted from the National Consumer Law Center Inc s. brochure entitled, The Truth About Credit Reports and Credit Repair Companies. CREDIT REPORT: HOW TO CHECK YOUR CREDIT Getting a copy of your credit report is important because: it gives you an idea of what your credit history looks like, you can make sure that the information on

More information

CLIENT SERVICES: Tax Problem Resolution Services

CLIENT SERVICES: Tax Problem Resolution Services CLIENT SERVICES: Tax Problem Resolution Services Dear Client: Are you having problems with the IRS? We re here to help you resolve your tax problems and put an end to the misery that the IRS can put you

More information