Do It Yourself

Fast, Legal, and Effective Credit Repair

Repair CreditIf you are like millions of Americans who suffer from bad credit you can’t afford NOT to explore this website. Repair Credit Now is an information source on how to repair credit. The articles published on this website will explain the laws consumers need to know, that force collection agencies to remove negative items from their credit report.

Credit Repair Agencies only write dispute letters or what most people call credit repair letters to creditors/collection agencies and charge you quite a bit of money for doing so.  Here you can obtain free sample letters along with other valuable information.

Why pay for someone to write dispute letters to collection agencies when you can get them here for FREE?!!

Repair Credit Now is not a credit repair agency. We simply provide the information credit repair services don’t want you to know.

Raise your credit score

User Rating:  / 0

Regardless of how bad your credit score is, and no matter what credit repair agencies tell you, there are legal means that you can use to increase your credit rating. Increasing your credit score by up to 120 points is really quite simple; however, credit repair agencies will make it sound very complicated and will charge you quite a bit of money for something you can do yourself. To successfully increase your credit score all you need to do is familiarize yourself with the Fair Credit Reporting Act, specifically section 609.

The strategy of using the Fair Credit Reporting Act to significantly increase your credit score was invented by Bruce McInnis Jr. in 1999, and his Credit Educational System has helped thousands of people improve their credit rating. What Mr. McInnis Jr. discovered after carefully analyzing Section 609, Disclosures to consumers [15 U.S.C. § 1681g], of the Fair Credit Reporting Act (c) (2) (E) was: "a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or cannot be verified."

How Credit Score Affect Credit and Insurance

User Rating:  / 0

Credit scores effect lots of different things not just your Credit but your Insurance as well. Your credit score is used by all of your creditors it helps them to determine if they are going to give you credit or not. Loan companies use it when deciding on the terms of your loan and insurance companies have now started using it to determine how much your insurance premium will be or if you are an insurance risk worth insuring.

If you want to make sure that your credit score is good enough to keep your insurance premiums down, and loan terms low. Then the first thing you need to make sure that the information on them is correct. By Federal law you are entitled to ask each of the three national credit reporting agencies for a free copy of your credit report each year (1 every 12 months).

Check over all the information that is on the report; bill-pay history, number and type of accounts, whether they were paid on time and by the date due, collection actions, age of accounts, and other information. Make sure there is no incorrect information on the report such as addresses that don’t belong to you, accounts that aren’t yours and so on, because all of this can affect your credit score.

Easy and Quick Way of Credit Repair

User Rating:  / 3

Having a bad credit history can be very scary because it means that you will not be in a position to do any financial transactions with any financial institution. Unlike the belief of many people, however, it is possible to fix a credit history and make it recognizable as positive, and all that can be done within a very short duration.
The process of fixing a credit status is gradual and will require full commitment.

If you are willing to persevere the procedure, then you will definitely end up with a clean credit score that will be approved by any loan provider. Another advantage is that you can do the fixing of the status on your own, in the comfort of your home or office.

The legal complexities should not hinder you from fixing your credit score because if at all, you get the correct guide, you will simply follow the steps and solve your problem.

Repair Your Credit

Learn how to win disputes with creditors and collection agencies whether you actually owe money or not. Under the Fair Debt Collection Practices Act you have the right to request for “Debt Validation”. Debt Validation is the most powerful tool in disputing debt and repairing your credit.

We provide free information on how to repair credit.