HOME MAIN FACTS VIDEO BUY NOW SUPPORT ABOUT FREE BOOKLET DEMO TIPS CONTACT FAQ REFERRALS FLASH SITE
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Without a doubt, the very best Credit Repair Software on the market is Credit Doctor: Repair Bad Credit Report. It has won nuerous prestigeous awards and has quickly become the most popular way to automate the process of repairing bad credit.
Credit Software and Credit repair programs do work to fix bad credit. If the programs designer is fluent in the laws, a bad credit program can be quite effective. Bad credit report repair software is not a science, but it is a huge timesaver. You can certainly repair bad credit yourself, and you can fix a bad credit report yourself without a credit program or credit software, but really bad credit will take many letters and tedious days and weeks to optomize, wheras a software program can automate the process considerably.You can have bad credit erased legally and quickly.
For bad credit help and expert bad credit advice we recommend reading our free booklet "Boost your FICO score in 7 easy steps." Bad credit is not only expensive, it removes a persons self esteem. Bad credit repair can improve your way of life greatly enabling you to get the mortgage or refinance loan at the best possible low rate. A bad credit report simply means that you have a bit of work ahead for disputing items to the Credit Bureaus Equifax, Experian and Transunion.
A public interest group recently did a study that showed these staggering facts: 79% of all Credit Reports contain errors...and it's mostly errors that are the reason for a bad credit score.You do not have to fall victim to bad credit loans, you do not have to give in to accepting bad credit refinance or a bad credit mortgage. An improved report rating score will qualify you for loans and refinancing at much lower rates. Bad credit software will save tremendous time and energy, rapidly boost fico ratings and boost fico scores.
The Credit Doctor program and credit doctor software will help you with your credit repair, and use every legal means to erase bad credit quickly, or your money back. Fast credit repair is what you will have when using our software to fix bad credit ratings and fix bad credit scores.
You can certainly fix credit and fix credit reports and improve bad credit on your own, but it helps to have a vast knowledge of the law. Credit Repair software has the added benefit of being co-written and approved by lawyers. Our knowledge of the law and the Fair Credit Reporting Act will help you to improve fico scores, and improve a low credit score and raise fico scores. With our program, you can easily remove bad credit while you repair bad credit ratings and fix your bad credit reports with the click of a mouse button.
On our blog we give hundred of free tips, help and advice to repair bad credit scores, and repair low credit scores effortlessly and easily, because our program is fully compatible with all three major bureaus, Equifax, Experian and trans-union (aka trans union). Simply downlad your free Credit Reports from Annual Credit Report Service www.annualcreditreport.com and you will have free credit reports. Once those free reports are in your hands and you've got our $29 program, you will be able to do for yourself (for free) what you would have to pay hundreds or thousands of dollars to companies like lexington law.
As they say on the Federal Trade Comission www.ftc.gov. A Credit Repair Company cannot do anything for you that you cannot do for yourself for free or little cost. The best Credit Repair Company...is yourself.
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No more Bad Credit. Bad Credit Sucks.
The Marcelli Company Personal Management, based in Studio City CA
Todd Newton Online, home site of TV's Todd Newton
Florence Henderson's Home on the web is www.flohome.com. Visit this site for all things Brady
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Credit Repair Software
written by Daniel Rosen for Repairing and Boosting your Score. It is the best available.
Recent studies by a Public Interest Research Group found that over 70% of credit reports contain errors. Incorrect information in your credit file lowers your credit score. As the result you get a higher interest rate when you: take a loan, open a new credit card account, lease a car, etc. 29% of the credit reports in this study contained even more serious errors that could result in the denial of credit. These errors included false delinquencies, public records, judgments and credit accounts that did not belong to the consumer. Sometimes these errors are the work of sloppy data entry, but it is also often due to the ever growing epidemic of identity theft.
Since your Credit Reports are used to determine IF you are to be given credit (and what rates you will be charged), it is in your best interest to examine your reports carefully, correct inaccurate information and make every effort to remove ALL Unfavorable information. If you see problems on your report, such as an unpaid bill that you simply forgot about, act right away to resolve the debt. Then ask that creditor to send a letter to the credit reporting agencies stating that the matter has been resolved.
Check for accounts you didn't open, charges you haven't made, and delinquencies you didn't cause. If you suspect fraud on one of your reports, contact that credit bureau IMMEDIATELY. Explain the situation and ask them to place a fraud alert on your file. Also report the fraud to the police.
Your credit reports follow you throughout your life and can help you greatly -- or hurt you. Review them carefully!
The bulk of the report will be filled with credit information showing the following:
1). Identification Information The first thing listed will be your name, date of birth and Social Security number. These are used for identification. Employment information may also be listed. As well as current and past addresses, spouse's name (if you're married) and date of birth are also listed for further identification.
2). Public Record Information -- Data from federal, state or county court records. Bankruptcies, liens or judgments and other types of claims. Info listed will be; Date filed, court case number, amount, status and date settled.
3). Collection Agency Information -- A collection is an account that has been turned over to a collection agency by one of your creditors because you have not paid the account as agreed. Listed here are; Collector's name, originating creditor/client, original amount, balance due and account number.
4). Credit Information -- This section makes up the bulk of the report. It will include Mortgage, Installment, Revolving, Other, Open and Closed Accounts. It will also list Accounts in Good Standing, Accounts Currently Past due and Negative Account History. Merchant/Creditor name, Subscriber Number, account number, Date opened, Date closed, Current Balance, Highest credit limit, Highest amount of credit used, and your Repayment History. Your Repayment History is shown as a string of numbers showing your payment history.
With each credit account, you will see listed the account's status and history. They are generally marked as follows;
• Current Account - "Account Open" or "Closed in Good Standing"
• Closed Account - Credit Account Closed
• Paid Account - Closed Account or Zero Balance
• Credit Account Reinstated - Previously Closed Account Now Available for use
• Foreclosure - Collateral sold to collect Defaulted Mortgage
• Collection Account - Credit Account Assigned to Collection Agency
• Inquiry - your credit information was requested by this Company or Creditor
5). Inquiries that display
All authorized and legitimate requests to see your credit history.
6). Inquiries that DO NOT display
These inquiries are displayed only to you and are not considered when tabulating your credit score. Examples of this inquiry type include a pre-approved offer of credit, insurance or periodic account reviews by an existing creditor.
7). Consumer Statements
If for some reason you cannot prove that a negative item is an error or if you are having a disagreement with a certain creditor, you have the right to tell your side of the story in 100 words or less. This statement will be ADDED to your report.
Credit Reports seem rather cryptic at first, but once you see how they are laid out they will start to make sense. These are the important things to examine:
Make certain that all information is current and accurate, including the Personal Identification information (address, social security, etc…). If you find an error (for example, a loan that you have PAID OFF is still listed as outstanding), tell the Credit Bureau (in writing) EXACTLY what the mistake is, and explain the way that the information SHOULD be listed. For example, "My Loan to Bank of Fred is NOT outstanding. It was paid in full on 02/14//05." Send photocopies along with all the necessary information to backup your claim.
After you have done this send it to the credit bureau by "CERTIFIED MAIL." When the credit bureau receives your report and the information in question, they are required to investigate and ADVISE YOU of the results of their investigation. They must do this Free of charge.
Anytime that you are denied credit you have the right to know why. If you are turned down for a credit account at a store, you will receive a statement from the store stating that you were denied credit and their reason why. If the store based their decision on your credit history, they must provide you with the name and address of the agency that reported it.
If for some reason you cannot prove that a negative item is an error or if you are having a disagreement with a certain creditor, you have the right to tell your side of the story in 100 words or less. This statement will be ADDED to your report.
When correcting items on your credit report, you have the right to demand that the credit bureau send corrected copies of your report to all creditors who have received the incorrect reports for the past six months. Note: Credit bureaus will not do this automatically! They will only do it if you ask. So make sure you ask. It's your right!
