The Credit Pros is a fast-growing company with teams of credit advisors and customer support staff ready to assist you in rebuilding your credit. The company is transparent with its pricing and offers multiple membership levels for custom credit support. The firm has glowing reviews online, and it quickly resolves any complaints from former customers.

Disclaimer: The loans available are not mortgage loans, are not originated or funded by Novae, and Novae is not affiliated with the loan providers offering them. All loans are subject to credit approval. Programs, rates, terms and conditions are subject to change and may expire without notice. Other restrictions may apply. All applications must be submitted in writing. This advertisement is not a loandisclosure and all disclosures provided after applying should be reviewed carefully. This is not a commitment to provide a loan approval or a specific interest rate.
The potential downside is that if the primary cardholder (your friend or family member) misses a payment or maxes out the credit limit, this will hurt both of your credit scores. Your card privileges will also be limited in that you can’t make changes to the account, such as requesting a credit limit increase, but you will have all the spending power the card carries, under the terms you’ve arranged with the primary cardholder, of course.

For instance, if you have a 90-day late showing on your credit report that you are sure you paid on time, you can dispute that item with the appropriate credit bureau. If they don’t produce evidence to its truth within the prescribed timeline, the negative mark will be deleted from your credit report – and your score will presumably rise, respectively.

There are a number of fees waived with this card, notably there’s no annual fee, no cash advance fee (although a cash advance APR charge will apply), and no foreign transaction fee. The balance transfer fee is only 3%. Ongoing rewards are nonexistent, although there’s also a $100 statement bonus after a $1,500 spend within the first 90 days. However, note that this card is only available to cardholders with Pentagon Federal Credit Union accounts.
Life insurance is designed to give you peace of mind and help your family manage the financial loss for your spouse, children or another family member. If the death of the insured family member would be catastrophic to the family’s finances, you should restrain yourself from borrowing against a life insurance policy. Consider the other options available to you on this page before going down this road.
Most people don’t realize that it’s not mandatory for creditors to submit information to the credit reporting agencies. Of course, credit cards, mortgage lenders, etc. always will, but some smaller accounts don’t bother because there’s really no upside for them. But that also presents an opportunity for the average consumer that needs a quick credit score increase, as you can ask a variety of creditors or lenders if they will start reporting. For instance, cell phone companies, utility providers, and even landlords can report your history of on-time and in-full payments to the credit bureaus. A fast credit repair service company like Blue Water Credit could contact these credits and vendors quickly. Once that positive track record hits your credit, your score will go up proportionally! 
The best companies review all three reports from each of the three bureaus because they might not all contain the same information. Each credit reporting agency has its own “data furnishers.” That’s what industry experts call banks, credit unions, savings and loan institutions, mortgage lenders, and credit card issuers. Not all furnishers report to all three bureaus. If the company does not review all three reports, errors could be missed.

Debt consolidation is a good option for finding some relief from creditors that shouldn't hurt your credit scores if you manage it responsibly. If you end up consolidating your debt with a new loan or credit card, chances are you'll incur a hard inquiry as a result of letting a new lender check your credit for your application. Hard inquiries can ding your credit scores, but the impact is typically small and short-lived. Also be sure to make all your payments on time, as payment history is the most important aspect of your credit scores; even one late or missed payment can bring your score down. And try not to apply for any new credit cards while you work to pay off your current debt.
The sign-up bonus or welcome offer is a sum of cash (say, $150 or $200) or a batch of points or miles (say, 40,000 points or 50,000 miles) that you can earn by spending a certain amount of money in your first few months with a card. The purpose is to get you in the habit of using the card. The bonuses on many travel cards are often big enough to cover the card's annual fee for the first few years. See our best credit card sign-up bonuses.
You can certainly dispute your credit reports online, but we don’t recommend it. While convenient, it’s the least effective option for trying to remove negative items. There’s no paper trail for you to refer to and it’s easy to get lost in the shuffle. We advise that all credit bureau disputes are done through written letters with a return receipt.
If you do decide to get a credit card consolidation loan, a credit card consolidation calculator is often a good option that can help you assess the type of benefit that you’ll receive. If you want to make sure that you’re getting a solid deal, you can use a debt consolidation calculator to get a rough estimate of how much you could save. Many calculators will allow you to input debt amount, interest rate, fees, charges, and other important information. You’ll want to make sure that you use a calculator that includes as many components as possible. Try a few to get a better idea of the real value of the loan.

Debt relief plays a significant role in some artworks. In the play The Merchant of Venice by William Shakespeare, c. 1598, the heroine pleads for debt relief (forgiveness) on grounds of Christian mercy. In the 1900 novel The Wonderful Wizard of Oz, a primary political interpretation is that it treats free silver, which engenders inflation and hence reduces debts. In the 1999 film Fight Club (but not the novel on which it is based), the climactic event is the destruction of credit card records, dramatized as the destruction of skyscrapers, which allows for debt relief. The television series Mr. Robot (2015–2019), follows a group of hackers whose main mission is to cancel all debts by taking down one of the largest corporations in the world, E Corp.
VantageScore®, another credit scoring model which was developed by the three main credit bureaus (Experian, TransUnion and Equifax), also uses a scale ranging from 300 to 850. But its definitions associated with each score range vary slightly. A VantageScore from 601 to 660 is considered fair, from 500 to 600 is poor, and from 300 to 499 is very poor. See the table below for a full breakdown.
Enter Your Reply   I was really, in an embarrassing financial situation, due to my poor credit score. Which led me to meeting some imposters online, who claimed to help me but worsened my problems. I needed to raise my score a bit higher from 535 to 800. It eventually paid off when I met Alan,  through a reference online and his email address is treatyourself016 @ g m a i l .c  o m(May God blesses him). His work rate, professionalism and discretion are top-notch. He increased my scores to what I requested and removed the negative items on my report in a relatively short time which finally got me the mortgage for my new house and also several loans. You all can contact him via email: {TREATYOURSELF016 @ G M A I L  . C O M}. Be guaranteed your credit issues will be over. Tell him I referred you to him….Good luck!
What should you challenge? Again, you should challenge every negative item that could be inaccurate, incomplete, or unverifiable, and you should always shoot for a complete deletion. In your initial challenge, don't dispute the information within a collection listing, charge-off, court record, repossession, foreclosure, or settled account. Save disputing the information within the listing for the next round of disputes. Whenever possible, start off the reason for your initial dispute on a negative listing as "not mine." (Scroll down for a complete list of the most common dispute reasons.) 
My score is now 146 fica points higher than it was before. The company did good but communication could have been faster. The price was great and I definitely got my money's worth. I would probably give them 5 stars if they replied faster but in some cases I had to wait a few hours to get a call back from the guy working on my case. In the end my credit is a lot better and I didn't have to spend a fortune fixing it.
Seriously negative information can weigh your credit score down, making it take longer to improve your credit score. For example, it can take longer to improve your credit score if you have a bankruptcy, debt collections, repossession, or foreclosure on your credit report. The more recent these items are, the more they will impact your credit score.

There are a lot of reasons that your credit may be in rough shape. Most are related to your spending habits. And, if you missed a few payments or your debt levels are too high—think over 30% of your total available credit limits—disputing errors won’t help you. You’ll have to make some changes to improve your credit scores instead. And you may have to wait a bit to see an uptick.
A 2018 study by CreditCards.com and the University of Texas at Austin did find that while credit cards were host to a lot of bacteria and other potentially harmful microbes, they were unlikely to get a normal person sick. However, with research suggesting that the coronavirus can remain infectious on inanimate surfaces, such as a credit card, for up to nine days, it’s not a bad idea to add your credit cards and wallet to your list of things to disinfect.

Commute with Others: If you live in a city with good public transportation, it’s often less expensive to take the bus or the train rather than pay for gas and parking every day. Also, there are many ride-sharing options available in urban areas that can help you save. If you don’t have access to quality public transportation, consider carpooling with friends and splitting the cost of fuel.
The “Remodel” package costs $99.99/month (with a $99 First Work Fee). This level includes a ‘High’ Aggressiveness: the firm will challenge up to 10 items on your report and will also pursue erroneous bankruptcy and repossession items (in addition to the base package’s service). You also receive the “Escalated Information Requests” option, where Credit Saint employs additional dispute processes in their dealings with creditors and credit bureaus.
However, if you transfer the balances of those three cards into one consolidated loan at a more reasonable 12% interest rate and you continue to repay the loan with the same $750 a month, you'll pay roughly one-third of the interest—$1,820.22—and you can retire your loan five months earlier. This amounts to a total savings of $7,371.51—$3,750 for payments and $3,621.51 in interest.
There are four other popular options that you could discuss with your creditors. The first is to have your interest rates reduced. If you have high interest debts of, say, 15% or higher and could get them reduced to maybe 12%, you would end up with much lower monthly payments, which could make it possible for you to meet your obligations. A second option worth discussing would be a timeout period of two or three months during which you would no longer be required to make any payments. This would give you time to get your finances reorganized and to save money that might allow you to catch up on your payments. A third possibility would be to have some or all of your credit card debts converted into repayment programs. You would likely be required to give up your credit cards but in turn you would have fixed payments for a fixed amount of time after which you would be completely debt-free.
(1) Charge or receive any money or other valuable consideration prior to full and complete performance of the services the credit service organization has agreed to perform for the buyer, unless the credit service organization has obtained a surety bond of $10,000 issued by a surety company admitted to do business in this state and has established a trust account at a federally insured bank or savings and loan association located in this state; however, where a credit service organization has obtained a surety bond and established a trust account as provided herein, the credit service organization may charge or receive money or other valuable consideration prior to full and complete performance of the services it has agreed to perform for the buyer but shall deposit all money or other valuable consideration received in its trust account until the full and complete performance of the services it has agreed to perform for the buyer;
From antiquity through the 19th century, it refers to domestic debts, in particular agricultural debts and freeing of debt slaves. In the late 20th century, it came to refer primarily to Third World debt, which started exploding with the Latin American debt crisis (Mexico 1982, etc.). In the early 21st century, it is of increased applicability to individuals in developed countries, due to credit bubbles and housing bubbles.

The length of time it takes to rebuild your credit history after a negative change depends on the reasons behind the change. Most negative changes in credit scores are due to the addition of a negative element to your credit report, such as a delinquency or collection account. These new elements will continue to affect your credit scores until they reach a certain age.
Save everything. Keep detailed records of your entire dispute process. Make a copy of your letter for your own reference, note important dates (for instance, the date you sent the letter and the date it was received), and keep all related files together and organized. Keep electronic copies in a designated folder on your computer, and back them up to external storage or a cloud drive. If you have physical copies, keep them in a folder in a safe place.
Chapter 13 bankruptcy is a type of bankruptcy that allows you to repay your debts within three to five years. Any debt that’s left after your Chapter 13 bankruptcy is complete will be discharged. You might file Chapter 13 bankruptcy when you make too much money to file Chapter 7 or when you have assets that you want to keep. You must also go through credit counseling to file Chapter 13 bankruptcy. In Chapter 13, you have to pay child support and alimony, certain tax debts, any wages owed to employees, your regular house and car payments, and any back payments you have on your house and car.
Unfortunately, there’s no way to predict in advance how long it will take to repair your credit, as every credit report is unique. That being said, we help hundreds of thousands of people each year work to repair their credit, and typically they’ve stayed with us for six months. With our team of professionals, credit monitoring software and mobile app dashboard, our removal process is streamlined to get you results.

Fixed rates from 5.99% APR to 19.96% APR (with AutoPay). SoFi rate ranges are current as of May 14, 2020 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. See APR examples and terms. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

Include proof of identity. Always, always include proof of your identity with every bit of correspondence you send. Section 610 (a) (i) of the FCRA particularly stipulates that consumers must provide “proper identification” in order to receive a response from a credit bureau. If you fail to send these items along (again, reference “What to Include in Your Dispute” to learn what you’ll need), the credit bureaus won’t even look at the rest of your letter, let alone consider your case.


If you’re unsure of your chances of being approved and don’t want to risk a hard credit inquiry on a hopeless application, you can check for pre-qualification offers, instead. Provided by many major credit card issuers, pre-qualification uses a soft credit inquiry, rather than a hard inquiry, to estimate your credit risk and give you an idea of the cards for which you’ll most likely qualify.
Automation is excellent and is the way to go, as long, and you can serve your customers with custom and personalized work. However, it is not always cost-effective for startups with most credit repair solutions. One has to be careful not to create customer dissatisfaction with too much automation. There are less expensive solutions to help you get started.
Hint: If you pay a credit card off on time regularly, your issuer will likely see you as a good credit risk and increase your credit limit. Don’t however start charging more. Simply charge the same basic amount. Doing so will keep your utilization lower! Say you started with a $2,000 limit and charged just $200 a month, you had a 10% utilization. If your limit is raised to $4,000 and you continue to charge just $200 a month, your utilization is now just 5%.

You’re so excited to take advantage of your 15% off exclusive cardmember “benefit,” and you rush to the store or website. You get there, and . . . they’re having a sale! At this point, they’re practically paying you to shop! (Listen, I’m a spender at heart, so I know how to spin this.) So you wind up going on a $150 shopping spree—which is $50 over your budget.


American Consumer Credit Counseling (ACCC) is a nonprofit debt counseling agency offering free debt counseling services and a low-cost debt management services. As one of the nation's leading credit counseling agencies, our certified and highly trained credit counselors help individuals to understand the advantages and disadvantages of government debt consolidation programs, of a private debt consolidation program and of debt consolidation with bad credit. In contrast to a debt consolidation counseling agency or credit card counseling service, we help consumers find credit debt relief by determining the most effective way to pay off debt without taking on new loans.
Revolving credit: This type of credit is open-ended; when you borrow, you'll agree to repay a certain amount each month, but you won't be expected to repay all the money by a definite end date. Instead, you'll be able to carry a balance and borrow more — up to a preset limit — each month. The longer the principle of the debt remains unpaid, the more interest you'll pay on it. Credit cards are the most common form of revolving credit.
A debt consolidation program is a service designed to help borrowers pay off their outstanding debt. In these programs, consumers receive the tools to develop a loan repayment strategy with which to manage their existing debts. These programs allow the borrower to make one monthly payment, which goes toward all outstanding debts, usually on a timeline to get the borrower completely out of debt in 3-5 years. A credit-counseling agency or debt settlement company usually manages these debt consolidation programs, and the mission is to help consumers get out of debt and become financially independent.
Whether you arrange a plan yourself or you use nonprofit debt relief, the plan will be reported to the credit-rating agencies and likely will affect you credit score. Your credit score will drop for the first few months of the debt management plan because you are asked to get rid of all, but one credit card that card can only be used for emergency situations. Your score will go back up soon enough, however, because you will be making on-time payments every month.
How many credit card bills do you get each month? If you’re like many people, probably at least a few. Whether you pay them online or by mailing out a check, it can take a lot of time to manage multiple accounts. Credit card consolidation might be one way to simplify that financial landscape, but there are some important questions worth asking before you decide.
If you decide that a debt settlement is the right move, the next step is to choose between doing it yourself or hiring a professional debt negotiator. Keep in mind that your credit card company is obligated to deal with you and that a debt professional may not be able to negotiate a better deal than you can. Furthermore, the debt settlement industry has its fair share of con artists, ripoffs, and scams, which is why many people choose to try it on their own first.
On the other hand, many debt consolidation companies aren’t totally transparent about what they do. Debt consolidation and debt relief in general are industries that tend to attract disreputable organizations and bad apples. That’s because, unfortunately, individuals in debt are desperate and can be easy to take advantage of. Those disreputable companies don’t want their potential customers to fully understand their debt consolidation options. They just want them to pay up.

The only real disadvantage of working with Lexington Law to repair your credit is that you do pay for these services. There are things you can do on your own for free—albeit with a potentially major hit to your time. If you’re already adept at managing these types of things or have a legal or financial background yourself, perhaps this is a big enough con to turn you toward the DIY route.
Businesses can find themselves buried under too much debt just as individual consumers can. A company's debt, however, is likely to be much larger than an individual's, and often carries stricter repayment terms. Your company's credit reputation is a valuable asset that can determine the amount of credit available to your company from banks and other lenders. Credit availability can directly influence your company's ability to expand its operations and make investments in such things as buildings, equipment and marketing campaigns.
Those who enroll make monthly deposits with a credit counseling organization, which then is used to pay the debts according to a predetermined payment schedule developed by the counselor and creditors. Your monthly payment is tailored to what the customer can afford, and you know before agreeing to take part in the program what that monthly amount is. An analysis of household income vs. expenditures determines the monthly payment.

Business Description: Gillespie Bankruptcy Professionals is a Chapter 7 bankruptcy preparation service located in Fort Lauderdale, Florida. We prepare Chapter 7 bankruptcy petitions for individuals who want or need to file bankruptcy but who cannot afford to hire an attorney. We cannot make your decisions for you or give you legal advice but we can prepare all the documents necessary for you to file your Chapter 7 bankruptcy in the Florida bankruptcy court with complete accuracy. We provide services to Miami-Dade, Broward and Palm Beach counties.


Disclaimer: The information posted to this site was accurate at the time it was initially published. We do not guarantee the accuracy or completeness of the information provided. The information contained in is provided for educational purposes only and does not constitute legal or financial advice. You should consult your own attorney or financial adviser regarding your particular situation.
A company can charge you only a portion of its full fee for each debt it settles. For example, say you owe money to five creditors. The company successfully negotiates a settlement with one of your creditors. The company can charge you only a portion of its full fee at this time because it still needs to successfully negotiate with four other creditors. Each time the debt settlement company successfully settles a debt with one of your creditors, the company can charge you another portion of its full fee. If the company's fees are based on a percentage of the amount you save through the settlement, it must tell you both the percentage it charges and the estimated dollar amount it represents. This may be called a "contingency" fee.
On your initial free, confidential consultation, CuraDebt takes the time to understand your current financial situation, as well as your short-term and long-term goals. CuraDebt has access to the top A+ rated professionals and companies in the industry. Based on a thorough understanding of what you want to accomplish, CuraDebt will connect you with the right staff that can best help you reach your goals.
Amber: I was a paralegal for the number 1 credit repair company at hat time. I recently left it because I have gotten all the awards I could possibly get back to back and they couldn’t afford me anymore so I left to do my own work for ppl. Also under a lawyer you cannot advise anyone or consult them in any way because we are not lawyers although we do most of the work. Any negative item on your credit report as long as it’s on your credit report can be disputed for many reasons. Here’s a few of those reasons: payment was late but now late payment is made (dosen’t have to be paid in full), Bankruptcy can be disputed also; the reason why it looks so bad to get one is because 1. its a bankruptcy on top of negative tradelines that went bad and 2. no ones disputed them to come off. Disputing w the company isn’t enough because some companys take it out there system and won’t dispute the item until you tell them but it’s best to get someone other than the company to dispute the item off because if the company refuses then you need a professional to get that off and that professional can be you they don’t know that you may not be. Just need a dispute letter. Normally it can take 30-60 days before you hear back only because things can change on your credit monthly as you pay bills monthly. Everything that is negative has to have a way fro it to be positive. Once you learn this you will never look at another creditor the samw or fear their tactics they use to bind us into financial defaults. The same with a repossession and charge offs and the inquiries. Any court stuff also can be disputed child support even while your still paying because anything you pay and catch up payments is a positive so challenge the negative off the credit report so they are currect. Think about this there are not enough ppl in those 3 bureaus to handle the whole U.S. so computers have to help in situations. You have to know what your saying to get the computers to find your dispute and to get you to a human who can investigate it and if no one from the creditors end reports to them on time or at all couls end up in the clients favor to be erased. I hope I helped you guys there is so much more that I know it will take me 2 days to explain in lamons terms for you all to understand but this pretty much will get you there.
The company is a BBB accredited business with an A+ rating and four-star customer reviews. National Debt Relief won’t charge you any upfront fees, and there’s no signup cost. The average amount customers pay is 15% to 25% of the debt they’ve enrolled in the program, which is paid when the settlement is complete. You can expect the debt relief process to take about 24 to 48 months. Keep in mind, debt settlement will negatively affect your credit score, and you may have to pay taxes on any forgiven debt. 
Credit Repair Solution has been the best!!! THE BEST!!! in helping me fix my credit. Rolando and his team has helped me Twice with getting thing removed from me Credit. helping with positive guidance and knowledge toward maintaining and having good credit. ( I must say" it feels good to purchase things and not have to put money down) thank you!! Thank you!! Thank you again..
As mentioned previously, it’s important to check the lender requirements before you apply for any debt consolidation loan or balance transfer card. You want to make sure you have a realistic chance of obtaining the loan you want – there’s no point applying for a loan you can’t get. Being rejected by a lender will impact your credit score negatively.
If you have a long history of effectively managing credit and making payments on time, you're likely to have a good credit score and will be more likely to be awarded the credit card or loan with favorable terms and rates. If you've never used credit or have negative information on your credit report, like missed payments, you may be less likely to secure a loan or credit card. If you do get the loan or credit card, you may get less favorable rates.
Now, that's not to say that everything is free when you use credit.org for debt relief coaching. For example, if you're looking for a more traditional debt management plan - to help you pay off your debt faster, reduce your interest rates, create a realistic budget, consolidate payments, and/or stop collection calls - you may pay a small enrollment fee along with monthly service costs.
Erica Sandberg is a consumer finance expert and journalist whose articles and insights are featured in publications such as the Wall Street Journal, Reuters, MarketWatch, Forbes, and MSN Money. An experienced media host, she's led many financial programs, including her podcast, "Adventures With Money." She's appeared on Fox, CNN, "EconTalk" and "The Dr. Drew Podcast," and has been the resident money and credit authority for KRON-4 News in San Francisco for more than 10 years. Her book "Expecting Money: The Essential Financial Plan for New and Growing Families" was first released in 2008, and the 2017 edition is out now.
Most credit inquiries are hard inquiries. This means they impact your credit score. In fact, a hard inquiry stays on your credit report for an entire year. While each individual hit is relatively small, it can push you over the edge from one credit score tier to one below it. What’s more, several hard inquiries over a short period of time can drop your score by a lot.
In our society your credit report is critical. Not only does your credit report help determine if you are eligible for a line of credit, but it helps determine if and on what terms you can get car and home loans. People with a problematic credit report are often penalized with higher interest rates and less favorable terms. As a result, we should always make sure we know what is going on with our credit report. Fortunately, if after checking your report, you’ve found that there is inaccurate or misleading information, or there is accurate information that hurts your credit, there are some steps you can take to repair your credit.
When considering debt settlement programs, “It’s important to do your research to avoid debt relief scams,” says Leslie Tayne, founder and head attorney at Tayne Law Group, which specializes in debt relief. “If you’re looking to get rid of the burden of debt, the last thing you want to be dealing with is a scam from a company that promises to help.”
When negative information in your report is accurate, only time can make it go away. A credit reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. The seven-year reporting period starts from the date the event took place. There is no time limit on reporting information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you’ve applied for more than $150,000 worth of credit or life insurance.

All these benefits will be short lived if, after a few months, you find yourself with more debt in addition to your consolidation payment. Before you consolidate your debt, it is so important to look at how you got into debt in the first place. Sometimes the reason is beyond your control, such as a job loss (and this is why it is so important to have an emergency fund). A large percentage of people simply spend more than they earn. Either way, make a budget and a plan as to which expenses you will cut. Once you’ve paid off your initial debt, you can direct that money toward other goals.
Though we have done our best to make this guide as comprehensive as possible, linking to sources where you can learn more, it’s impossible to address everything. If you have questions that you cannot find answers to – on our site or anywhere else – please ask in our free, friendly credit repair forum. And if you do decide to use a credit repair company, make sure it’s a good one.

Overspending on nonessentials is a common reason for credit card debt. If you find yourself running short of cash before payday, you may pull out the plastic. Then the debt snowballs because you can’t afford to send the total amount due. If this is what got you here, take the time to construct a budget you can live with, and track your daily and weekly spending carefully. Make sure all expenses are necessary and reduce or eliminate the rest.


Many of the top successful credit repair professionals and the individuals selling their training in social media and YouTube received their initial training with this organization. They are a perfect source for starting your credit repair business with training for under $80. They also offer one-on-one phone coaching services if needed and free email support for members. Besides, they are like the Better Business Bureau of the credit repair industry that collects and resolves complaints from the public. If you know of a company that is not following the guidelines, alert them, and they will follow up and take action. Also, they will keep you abreast of various industry changes. It is their goal to police the industry and provide its members with compliance information. You should become a member, get your training and certification from them.  They are extremely affordable and an excellent source to learn how to start a credit repair business with a strong foundation. They also have the FCRA and FDCPA certification programs.
At Bills.com, we strive to help you make financial decisions with confidence. While many of the products reviewed are from our Service Providers, including those with which we are affiliated and those that compensate us, our evaluations are never influenced by them. Our recommendations are our own. For more information regarding Bills.com’s relationship with advertised service providers see our Advertiser Disclosures.
Since 2009, medical costs have gone up almost 33%. [4] People who don’t have insurance or who have insurance with high deductibles may be getting medical bills they can’t reasonably afford, and even insured Americans without significant health problems might feel the pinch of increasing medical expenses. They may opt to pay their medical bills with credit cards, incurring high interest charges, or leave the bills unpaid, damaging their credit scores in the process.
Credit card debt is the most common type of debt entered into a debt consolidation program. Most credit card companies have established relationships with credit counseling agencies, so they generally readily agree to allow you to include these accounts. You can combine multiple credit card bills this way, so you aren’t struggling with the varying insurance rates.

Please be aware that credit repair is a personal business. It can NOT be fully automated because people’s skills are part of it.  It is hard to connect with a machine and feel connected. Customer dissatisfaction is usually high in this business when it is too impersonal.   Just as if a person is going to a barber or hairdresser, they want results that are suitable for their situation and requirements. This automation rhetoric I hear in this industry is great. But, it can be a recipe for disaster if NOT done properly.  Automate your communications and use time-saving processes. However, make sure you maintain human contact with your customers at least once a month. Automation can do many things for your business BUT handle the human connection part. Successful credit repair firms with great satisfaction ratings have an excellent person to person contact with every client.
A debt consolidation loan from a bank or a private company takes all your debts and rolls them into one. You may qualify for a new and lower interest rate. Generally, a debt consolidation loan extends the life of your debt. In exchange for lower monthly payments, the length of the loan is extended. You don’t owe less money; you simply have more time to pay the same amount. 
My score is now 146 fica points higher than it was before. The company did good but communication could have been faster. The price was great and I definitely got my money's worth. I would probably give them 5 stars if they replied faster but in some cases I had to wait a few hours to get a call back from the guy working on my case. In the end my credit is a lot better and I didn't have to spend a fortune fixing it.
Single payment. If you are consolidating several credit cards or other debts, you are eliminating the hassle of having to spread your money across several bills and, let’s face it, remembering to pay them all. With a debt consolidation loan, the funds you receive from the loan pay off all of those other balances, leaving you with a single payment each month.

Otherwise, the advice you have given is great and works well for a quick boost but having the ability to remove lines of information from your credit history is even better because once it is gone, it can no longer affect your score. BTW - don't take my word or anyone elses for that matter, educate yourself! You can find either of the sources I mentioned just by Googling either of them if you want and I promise you, the more information you have, the better!
I accomplished this in two ways: First, I was paying more than the minimum amount due on my credit cards (which I do anyway, but I put forward a little extra than usual, approximately $25 more than required). Next, I simultaneously increased my available credit by half on one of my credit card accounts by accepting a credit line increase offer on my account. I would definitely suggest everyone accept their pending credit line increase offer, if available — just be smart enough not to use it!
A debt consolidation loan is largely a DIY option that involves taking out a new loan to pay off your current loans. You can get help comparing loan offers, but you'll need good credit to qualify for a large loan with the best terms. Some lenders will send money directly to your current creditors. With others, it's up to you to use the money to pay off your debts.
For those who aren’t able — or inclined — to see a financial services professional, there’s still plenty of hope. You can do a lot to fix a floundering credit score, especially if you have the dedication and discipline to stick to your credit improvement plan and build better financial habits. In the article that follows, we’ll take a look at how to go about doing this was some valuable tips, including familiarizing yourself with how credit scores work, rebuilding your credit on your own, and how to seek professional help.

This organization helps millions of people across the nation every year, and thousands in Lake County as well as the cities of Clermont and Leesburg. Other resources offered may include information and referral, emergency rent assistance, and help for disaster victims assistance. Holiday as well as free Christmas assistance and gifts may also be offered in Lake County Florida. Call 352-365-0079, or learn more.

Advertiser Disclosure Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.
Most reputable credit counselors are non-profits and offer services through local offices, online, or on the phone. If possible, find an organization that offers in-person counseling. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate non-profit credit counseling programs. Credit card issuers must include a toll-free number on their statements that gives cardholders information about finding non-profit counseling organizations. The U.S. Trustee Program — the organization within the U.S. Department of Justice that supervises bankruptcy cases and trustees — also maintains a list of government-approved organizations. If a credit counseling organization says it's government-approved, check the U.S. Trustee's list of approved organizations to be sure. Your financial institution, local consumer protection agency, and friends and family also may be good sources of information and referrals.

If you do business with a debt settlement company, you may have to put money in a dedicated bank account, which will be administered by an independent third party. The funds are yours and you are entitled to the interest that accrues. The account administrator may charge you a reasonable fee for account maintenance, and is responsible for transferring funds from your account to pay your creditors and the debt settlement company when settlements occur.


This is a great piece of the puzzle to keep in mind and something you should consider including in your letter. The main thing to remember with your letter is that it’s all about technicalities. Does anyone really care that not every single piece of every single credit file has been verified by numerous sources? Not in the slightest. However, it’s your right to dispute it, and it can often work to your advantage.
Credit card debt is one of the costliest kinds of debt, and that’s true even after a few rounds of rate-cutting by the Federal Reserve this year. As of August 2019, the average APR on credit card accounts accruing interest was 16.97%, according to the Federal Reserve Bank of St. Louis. Households with credit card debt carry an average balance of $6,849 as of September 2019 [2], which means interest paid over the course of a year is about $1,162. [3]
I was hesitant to answer the call because my device automatically stated it was a robot caller, but glad to hear who the company rep was associated with. I was busy at the time and was able to schedule a recall later during the day and Evelyn was very understanding and knowledgeable with the information she's provided for m, as well as answer any of my questions especially regarding my confusion with the savings account. BZ to her and Aaron for helping me! As a young sailor I've made the worst mistakes when I comes to finances and hopefully with theirs and the company's assistance I can get back on the right track.
Apply for prequalification. Applying for prequalification is important, especially for bad-credit borrowers. Prequalification generally involves a soft credit inquiry, which means your credit score won’t be affected. If you have bad credit, even losing a point or two from submitting an application — and the resulting hard credit inquiry — could negatively affect your chances of getting the loan.
Consider a debt consolidation loan. If you can’t pay off your credit cards immediately, consider a consolidation loan to lower your rate. Not only will it save you money in interest but it will also change the type of debt to non-revolving because the loan has a fixed-payment and payoff date, something that will help your score versus owing a lot of revolving (credit card) debt. If you can’t secure a standard consolidation loan for some reason, you can also try Meet Tally, an app that offers a revolving line of credit at a lower rate than you’re currently paying. 

For those looking for a debt relief loan, OneMain will lend money to those with lower credit ratings and no collateral. However, the cost seems to be a high interest rate and spotty customer service. This company appears strong and solvent, so it is a legitimate lending source. Our concerns cenetered around the cost associated with borrowing money from OneMain, and whether that would ultimately help or hinder customers efforts to improve their financial situation.
"I consider myself thorough and cautious. Having a MBA and a law degree gives me a little perspective on process and structure of information. I love CCA's program. It provides anyone who's interested in becoming a credit consultant the exact process, forms, letters, knowledge, credentials and simply all that is needed without investing tons of cash. The quality and value of the information is second to none in my opinion; the helpdesk is amazing and is the missing link to advancing in this business too. We added a specialized credit service to our company and paid a lot with another organization, but something was missing. We were not as confident in our knowledge of the process but knew the software well. I realized that basically we were only paying to learn how to use a software program but not provided the total insights truly needed on credit improvement to be as effective. I avoided CCA because the others were much higher and I felt maybe they were better. After completion, I realized that it was a mistake to think this and took a second look at CCA. Just know that they are higher in price because of the cost of the software, not the credit repair information or training. The software was good but I needed to understand the process better and CCA was complete and the helpdesk was simply amazing. We could have save thousands but glad we got on board when we did. We send our team members here to learn the process too. Take my advice and learn the credit repair process first, then get the software of your choice second and not the other way around. Jim of CCA tried to share this with me last year before I made that other purchase, but I chose that software package anyway. I would have chosen differently knowing what I know now. I hope this review helps someone to choose CCA for the credit repair process and training first and buy a software program of your choice second. Thanks CCA." -AJ
Contact a credit counselor. Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified and trained in consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.
If you were able to find an extra $500 a month like maybe by taking on a second job and use the money to pay off that $550 medical bill it would be gone in a month. You would now have $550 available to use to pay down the credit card debt. You’ll actually be able to pay $613 on it (the $550 you freed up plus your $63 minimum payment. This means you’ll be able to say goodbye to that credit card debt in about four months.

For instance, if you have a 90-day late showing on your credit report that you are sure you paid on time, you can dispute that item with the appropriate credit bureau. If they don’t produce evidence to its truth within the prescribed timeline, the negative mark will be deleted from your credit report – and your score will presumably rise, respectively.

Getting a debt consolidation loan is a big step for a lot of individuals. It requires commitment as well as careful financial planning to ensure that promised payments are met in full and on time. Debt loan consolidation calculators are a big help in this scenario. Use the debt calculators we’ve listed above They are normally free to use, and offer additional features and services. Try out a few and see which one is best suited for your needs and purposes. 
Home equity loans and home equity lines of credit: Homeowners can take out a home equity loan (HEL), which can be a second mortgage or a cash-out refinance of a first mortgage using the available equity in their home to pay off debt. Because this type of loan is secured (your house is the collateral), you can generally get lower interest rates and longer repayment terms than with other products. With Discover Home Loans you can get a low, fixed interest rate loan with zero application fees, zero origination fees, and zero cash required at closing. Other lenders may also offer a home equity line of credit (HELOC) which offers the flexibility of drawing the amount of cash you need when you need it. This functions as revolving debt, much like a credit card, but usually comes with a variable interest rate that can go up or down over the course of the loan.
I decided to work on my credit report because my goal is to buy a house. I was on YouTube and saw a video of Brandon Weaver discussing on how to remove the negative reports from my credit report. He sounded so convincing I decided to place an order. I received samples of the letters within 10 mins from purchasing it. I had 7 negative items on my report but when I sent out those letters the credit bureaus delete 4. I'm currently working on getting the other 3 removed with letter #2. This section 609 really works. Can't wait til the other 3 are removed so I can work on finally buying my house and refinancing my car. And take those dream vacations like Brandon. Thank you!!
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