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
The Big Credit Bureaus – Credit Business
Posted in: Credit Repair Services
Credit Business
The three most notable credit bureaus that exist today are Experian, Equifax, and TransUnion. This was not always the case, however. Two decades ago, many more credit bureaus operated around the country, both regionally and nationally. Over the years, the combination of mergers and evolution of the market has placed these three bureaus in the forefront of consumer credit data mangement.
Fair Credit Reporting and Debt Collection Acts
Posted in: Credit Repair Services
Fair Credit Reporting and Debt Collection Acts
In addition to the dispute provisions, the FCRA offers defensive measures for identity theft and other practical fraud prevention techniques. By using these important tools appropriately, you can increase your credit settlement efforts considerably. Being contacted by collectors can be extremely nerve racking. By informing yourself of the facts regarding the FDCPA, your fear can be removed, even put you in charge of the situation!
FICO Scoring Methods
Posted in: Credit Repair Services
Factors That are Considered
Once you decide to dedicate yourself to settling your credit score, it is important you grasp the nature of FICO scoring methods. You must understand that FICO scores are not report cards, though the rewards associated with high scores may give you impression they is like them. In reality all a credit score is, is a way for lenders to predict how well you will meet your financial obligations with them. Credit scores depict trends in your past priority of making payments. A few factors are taken into account in the calculation of your credit score.
Credit Repair and Budgeting
Posted in: Credit Repair Services
Can't Have One Without the Other
Financial experts agree that a budget is the essential accompaniment to a credit repair program. You may not have lived by a budget in the past, but if so it is never too late and the time to begin is now. With a little effort you can put together a budget that will stabilize your financial life, support your credit repair efforts, and perhaps even lay the foundation for long term wealth. Hey, you may as well dream big!
Credit Scores - The Hidden Secret
Posted in: Credit Repair Services
Credit Scores - The Hidden Secret
While there could be several ways you might determine your credit score, using several different scales, the only one that matters today is the FICO score. This has become the regulated means by which lenders determine your eligibility for a loan. These scores are purchased by lending agencies from credit bureaus, which is why credit bureaus are seeing such high success, especially the top three. Credit scores are viewed as very important today, by both lenders and consumers, and therefore credit bureaus stay in business. Ironically, FICO scores are not the same ones that credit bureaus sell to consumers, only to lenders.
Free Credit Reports
Posted in: Credit Repair Services
Free Credit Reports
In 2003, an amendment was made to the Fair Credit Reporting Act (FCRA). Known as the Fair and Accurate Credit Transactions Act (FACTA), this amendment includes a provision that requires credit bureaus to supply consumers with a single free credit report once each year. This means you can get free credit reports from all three major credit bureaus on a 12-month basis. If you rotate your report requests, you can have an on-going and fairly accurate credit report every four months. The site you can visit to acquire information concerning this process is AnnualCreditReport.com.
Your Budget – The Foundation of Financial Success
Posted in: Credit Repair Services
The Foundation of Financial Success
The foundation of long term credit repair success is financial planning. Without it the benefits may slip away, but fortunately there is a way to preserve your financial success. That success can be best safe-guarded by the regular use of a budget. It is only after you have firm grip on what you are spending, a full awareness of what you are spending it on, and the insight to make the proper adjustments that you will find true financial security.
How to Take Charge of Credit Repair – Your Role
Posted in: Credit Repair Services
How to Take Charge of Credit Repair
As everyone knows, bad credit can take a toll on your finances and leave you with the inability to take out the loans or live the lifestyle that you would prefer. Credit repair is a way of improving FICO scores, helping improve your quality of life. One of the biggest mistakes that people make in their approach to FICO restoration is to only focus on the removal of black marks on their reports, by disputing them. However, there are a number of other ways that you can tackle this problem and often a more participatory role in the credit repair process is recommended, when working with a credit repair service.