Author Archives: Joan

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5 Tips For Writing Dispute Letters

Category:Credit Repair

Only challenge five or less trade lines each month with each of the credit reporting agencies. Challenge everything that you believe to be untimely, incorrect and/or incomplete. The most successful credit repair agencies will only challenge two to three lines of credit every month. If you add more than five items on a letter, the


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Is Credit Repair Legal?

Category:Credit Repair

For those who are looking to restore their credit reports and scores, the credit repair industry is certainly an option to consider. However, before working with just any company that promises to help improve credit scores and dispute discrepancies on your reports, it is important to determine whether or not that company is operating within


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Cards To Build Credit

Category:Credit Repair

You’ve been thinking that you need to start building credit and would like to know where to start. There are three credit card accounts that we recommend that can help you get started. They report to all three CRAs. These cards don’t have the good perks, but they will help you get there. The Discover


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Bad Credit Costs You

Category:Credit Repair

The example below will show you just how your credit can affect how your interest rates are calculated by finance companies. Your credit can also affect your rates with insurance companies and even can prevent you from getting that job that you really wanted in certain states. If you’re not sure how your credit worthiness


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Statute of Limitations for Debt Collection

Category:Debt Relief Tags : 

Each State has a time limit associated with each type of debt. In other words a collector can only legally go after an alleged debt for a specified amount of time. Many third party debt collectors will try to collect on old outdated or time barred debt. The chart below lists the time limits. Open


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Never Speak to Debt Collectors Over the Phone

Category:Credit Repair

Again! Never speak to debt collectors over the phone. Your rights are never served over the phone. If a collector calls you, tell them to send it to you in writing and hang up. Unless your account is still open with the “bank”, most collectors are third parties. 99% of the time these collectors do


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Give Your Credit Score a Boost in Five Minutes

Category:Credit Repair Tags : 

How would you like to raise your credit score up to sixty-five points in the time it take to prepare your morning coffee? Having a better credit score can mean many 1000’s of dollars in interest fees that can stay in your pocket. This can be done with all three credit reporting agencies. Sounds good


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