Credit Education Center
- Statutes of Limitations
- Every Point Counts
- Expectations for Credit Repair
- Debt Collectors
- Checking Credit - How Often is Too Often?
- Building Wealth - The Credit Repair Foundation
- Budget and Savings Tips - Building a Cushion to Fall On
- Credit Repair Benefits - More than Just a Number
- A Budget - The Ticket to Peace of Mind
Credit Report Repair
- Getting Back to Solid Ground
- Changes in the Credit Scoring Arena
- Changes to FICO in 2008
- Fixing Your Credit While Having Consumer Debt
- What Does a FICO Score Tell You?
- Who is Responsible for Rating Credit Score?
- Ways to Quickly Boost Your Credit Score
- Picking Up the Pieces after a Financial Disaster
- How to Fix Your Credit after Facing Financial Trouble
- How Much Does Bad Credit Really Cost?
Credit Repair
Bad Credit Repair
Credit Repair Service
Credit Repair: Know Your Rights
- Welcome To Epic Debt Relief's Learning Center
- Credit Card Debt Settlement FAQ's
- Do Nothing
- The Big Credit Bureaus – Credit Business
- Fair Credit Reporting and Debt Collection Acts
- FICO Scoring Methods
- Credit Repair and Budgeting
- Credit Scores - The Hidden Secret
- Free Credit Reports
- Your Budget – The Foundation of Financial Success
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Learning Center
Every Point Counts
Posted in: Credit Education Center
Improving Your Credit Score
Your credit score is what determines how much interest you must pay on every cent you borrow. Calculating the effect your credit score (FICO) has on your interest rate is easy. The higher your score, the lower your interest rates will be. Period! The goal, then, is to work toward improving your credit to make it as high as possible. When you do, you will see the benefits of lower interest rates instantly! You should understand that every point counts when it comes to your credit grading or credit approval. 100 points can make enough difference on a $300,000 mortgage that you will save $264 every month! These are significant savings!
Expectations for Credit Repair
Posted in: Credit Education Center
Definitions of Credit Repair
Deciding to delve into the world of credit repair is a great idea for many people, and a good solution to prior credit issues. This can help you clear up any disputes that you may have had in the past, rebuild your credit, and improve your credit scores. However, sometimes people look into this service with inflated expectations.
Debt Collectors
Posted in: Credit Education Center
Preventing Abusive Conduct
The title of "debt collector" is not one that instills pleasant thoughts. The abusive conduct of some straying debt collectors is what gives all of them a negative reputation. Those that work within the rules laid out by the Fair Debt Collection Practices Act do not participate in abusive conduct of clients. If you understand the provisions within the law, you will be better prepared to call a collector out on an illegal behavior.
Checking Credit - How Often is Too Often?
Posted in: Credit Education Center
Checking Credit - How Often is Too Often?
Is it possible to check your credit too often? Many people in credit repair programs review their credit report and spot a listing of "too many inquiries" or some variation thereof. In most cases, such a statement has little bearing on credit scores. That is because there are two types of credit inquiries, soft and hard. Soft inquiries occur when potential creditors check your credit before sending you an unsolicited offer of credit. These inquiries have no impact on your credit rating. Soft inquiries also occur when lenders conduct periodic reviews, or when you check your own credit. However,
Building Wealth - The Credit Repair Foundation
Posted in: Credit Education Center
Building Wealth - The Credit Repair Foundation
Starting a credit repair program can actually be a life changing experience. After living perhaps for years with the weariness and struggle to make ends meet, it can be truly liberating psychologically as well as financially to finally end all of that worrying and financial juggling. We all know that it is altogether too easy to get into a financial bind, and the ways to do so are endless. Perhaps your financial struggle was the result of a single event, like a medical issue or the loss of a job. But for too many of us, the real cause is the simple lack of attention to our money and what we are doing with it.
Budget and Savings Tips - Building a Cushion to Fall On
Posted in: Credit Education Center
Budget and Savings Tips - Building a Cushion to Fall On
What can you do to make sure all of your hard work doesn't get blown away by unexpected expenses? Setting up a realistic budget and having a savings account will give you the edge.
First of all, don't run away from the word budget. Having a budget doesn't mean living on bread and water. A budget allows you to know how much money you have coming in and how much money is going out. Its main purpose is making sure you live with your income and not on credit.
Credit Repair Benefits - More than Just a Number
Posted in: Credit Education Center
Credit Repair Benefits - More than Just a Number
Credit repair is an issue that should not be taken lightly, as it has a number of benefits that go beyond simply raising an arbitrary score on your credit report. What most people expect are lower interest rates, approval for loans, and a feeling of overall financial security. These are all true, but there are more benefits to having strong credit that most people don't realize.
A Budget - The Ticket to Peace of Mind
Posted in: Credit Education Center
A Budget - The Ticket to Peace of Mind
One of the essential steps in starting a credit repair program is to build yourself a budget. Many consumers do not greet this requirement as happy news. When we think of budgets, we often think of hardship and austerity, but the truth is it needn't be either. In fact, in a strange way once you start living on a budget you may actually feel liberated. Starting a budget means taking control of your life, and enjoying the inner peace that comes from being on top of your finances. It is hard to put a price on the calm that comes from no longer worrying about money.