| I have talked to a lot of people who have bad credit. I | | | | making a list of anything that is inaccurate, misleading, |
| always begin by asking them if they know what they | | | | or whatever you find. You have the right to contest |
| did (interpreted - are responsible for) to get in the | | | | anything that is inaccurate, misleading or outdated on |
| mess they are in? You should hear some of the | | | | your credit report. Write to the agencies (all 3) and |
| answers, my wife left me, my wife spends too much | | | | explain your side - be polite - just ask for this to be |
| money, I don't make enough money (then why do you | | | | corrected. If you don't get results (and you may not) |
| have so many credit cards?), to a whole host of other | | | | then we recommend a good credit repair lawyer. |
| excuses for the problem. Notice I said excuses and | | | | They will get things fixed up - guaranteed! |
| not reasons. | | | | · Next pay your bills on time (what you should |
| My next question is; well, have you a plan to get out of | | | | have been doing all along). Be more diligent about this |
| the mess you are in? Some do and some don't. If you | | | | aspect because this is a major key. |
| are one of the latter let's see if we can help you. | | | | · Pay your credit card(s) down. I recommend |
| Let's start by saying that if you are disciplined (and | | | | that you put them away for a time and only use them |
| really, really want to) there is no reason you can't get | | | | in case of a real emergency. Get those balances |
| back on top. If you are not then don't bother reading | | | | down to 30% or less of your credit limit. |
| any further. | | | | · Plan a budget. I know you may not know |
| A lot of people will offer you some bogus method to | | | | how, that's why we make it easy for you. Our website |
| get out of the problem you have created. You may be | | | | has budget planners that are FREE. We have one |
| told that you can form a corporation (won't work), or | | | | month and 12-month planners to help you get on top of |
| get a fake social number or some such scheme (this | | | | your problem. |
| is illegal just in case there is someone contemplating | | | | · After you have raised your credit score - |
| this). | | | | what then? You might consider getting another credit |
| Here are some facts that will show you just how | | | | card just to help rebuild your credit. Don't use it to get |
| important having a good credit score is: | | | | into more debt. Use caution, extreme caution in this and |
| · You can save thousands of dollars on credit | | | | keep your debt under control. |
| cards by qualifying for the lowest rate available. | | | | · What should your ultimate goal be? Why, I |
| · Credit problems cause stress (marital and | | | | should have thought that was obvious. To be DEBT |
| physical) among other things. | | | | FREE! Then you will experience the ultimate freedom. |
| · Having a poor credit score makes it almost | | | | No more fights with your spouse over money, no |
| impossible to buy a home since the current credit | | | | more stress attacks, no more nightmares, etc. You get |
| debacle. | | | | the picture. |
| Here's what needs to happen if you want a better | | | | If you have trouble with numbers 1 & 2 carefully |
| credit score. It won't happen overnight but it will happen | | | | consider hiring a professional. You wouldn't trust your |
| if you follow our directions. | | | | health to someone who just finished medical school; |
| · Correct your credit report. I always suggest | | | | you want someone with some real life experience. |
| this first because the reporting agencies themselves | | | | This is exactly the same - there are many sites that |
| say that up to 79% of the credit reports contain errors. | | | | tell you that you can repair your own credit. That has |
| I'll bet yours does too! Get a copy and go over it line | | | | not been my personal experience. Why take a |
| by line and see if you have any errors. | | | | chance; it's affordable and a good credit attorney will |
| · If you find errors - what do you do? Start | | | | guarantee results. |