A number of businesses claiming to do credit repair have sprung up over time, and while some may provide services that can assist consumers, the actual results of their efforts may be questioned. In some cases, credit repair may require legal as well as financial expertise. Depending on the extent of the problem, it may require simply cleaning up misunderstandings, while in other cases professional intervention is needed.
A short sale can also be a good option for a fast exit. You sell the home for less than the remaining balance owed on the mortgage. The mortgage lender takes a loss on the sale. If the lender approves a short sale before you do it, it’s called an approved short sale. But even if they approve the short sale, they still reserve the right to get a deficiency judgment.
Problems with mortgage debt don’t just affect your credit and finances, they can have a very real impact on your life, too. Foreclosure could mean that you’re forced to uproot your family and scramble to find housing. The good news is that there are plenty of paths available to homeowners who are struggling to keep up with their payments. You have two paths you can take. The first path is to prevent foreclosure entirely. The second path is to make a quick and graceful exit when you can’t avoid foreclosure.
NO. You don't need a special software program to do this business; however, it can help you manage your business more effectively once you grow. We feel it is best to learn how to do the work manually prior to purchasing a software program. If you can afford to learn how to use a software program and how to do the work at the same time--that's great. Please keep in mind that the software Can NOT think for you nor does it pull credit reports. You must know how to control it and not let it control you. This is why we prefer that our members learn how to do the work first.
Another thing that you should not do – at least if you do not have to –is filing for bankruptcy. There are instances where declaring that you are broke would be your only way out of debt. However, even filing for bankruptcy will not relieve you of all your debt obligations. The most popular type of bankruptcy for people overcome with debt is called a chapter 7. It will wipe out credit card debts and other types of unsecured debts including medical expenses, personal loans, installment loans, department store credit cards, gas cards, cell phone bills and veterinarian bills in excess of $500. However, it will not discharge or eliminate secured debts including your mortgage or automobile loan as well as child support, back taxes, spousal support, NSF (not sufficient funds) checks, car repair bills and insurance policies.

I signed up with credit firm about 8 months ago. Then things got busy for me, I had a baby, this, that, and the other, so I completely forgot about them. Then, I went to a dealership to try and buy a minivan last Saturday, I was hoping that I could get approved for something decent (I have never had good credit). They pulled my credit and my score was 726! Then I remembered that I hired a company to fix my credit, and boy did they ever. I got a brand new Honda Odyssey at 0.9% APR! I drove out with a big grin on my face. I think I'll have credit firm work a bit more to get my scores to 800. I'm very happy.
A credit card balance transfer is another type of debt consolidation. You transfer the balances from one or more cards with high-interest rates onto a card with a low or zero percent interest rate. This gives you some interest relief. However, a major thing to take note of is if your new lower interest rate is permanent or only for a certain amount of time. Most credit card companies will offer a 0% interest rate for a set timeframe; something like 12 months. After that, a new interest rate will come into play.
National Debt Relief can help you on the journey to becoming debt-free by providing you the expert advice and negotiating power that you need to get your creditors to agree to resolve your debts for less. Dealing with your debts will allow you to use your income to prepare for your future, instead of paying interest on past purchases. National Debt Relief empowers clients to get out of debt in less time than if they continued to make the minimum payments. More importantly, it allows them peace of mind while doing so.

The Case Against Consolidation: When borrowers consolidate, they convert unsecured debt into secured debt. That is the major reason the mortgage interest rate is usually lower. Borrowers who encounter financial distress and fail to pay their unsecured debts lose their good credit but they don't lose their home. By increasing the size of the claim against their home, they increase the risk of losing it.
Nonprofit credit counseling agencies are businesses that analyze your debt situation and advise you on the best course of action. If that involves consolidating your debt, the counseling agency will confer with your creditors and create a debt management plan. The credit counselor works with card companies to obtain lower interest rates and fees in exchange for a guaranteed monthly payment. The credit counseling agency collects the monthly payment from you and distributes it to the card companies at the agreed upon rate. There is little and sometimes no charge for their services.
For-profit Debt settlement is a risky option that involves involves paying a for-profit company to negotiate on your behalf for the forgiveness of a portion of your total debt balance. If a negotiation is reached, the debt settlement organization will charge you a fee and you’ll still have to pay income taxes on any amount $600 or larger, which can leave you owing more money when it’s time to file your taxes.
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.
Yes, even if you have a poor credit record, debt consolidation loans for bad credit are available. While potential lenders will check your credit record, it’s not necessarily a clincher when it comes to their decision about whether or not to offer you a loan. Having said that, “bad credit” means different things to different people, and your ability to get a loan will depend on the specifics of your credit report. Lenders are much more likely to overlook one missed credit repayment a year or two ago than a County Court Judgement (CCJ) within the past month.
Our mission is to help you achieve your goal of a healthier credit profile and score. We strategically work with creditors to resolve any outdated, inaccurate negative items that is adversely affecting your credit score. With 15 years of expert experience, we are confident throughout our credit dispute process, you will see the results you expect or your money back. Guaranteed.
The best credit repair companies offer consumers an easy way to fix bad credit and raise credit scores. Below are the top credit repair services based on BBB ratings and reviews by the BadCredit.org staff. Each service queries major credit bureaus to get your current FICO score and credit report, helps identify which items on your credit history need fixed, and takes action on your behalf to improve your credit:
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Getting a loan from Marcus is a fully online experience. You can apply and receive a decision through the website in just a few minutes. Once you’re approved, you can direct the funds to pay off up to 10 credit cards with no fees, as long as you choose debt consolidation as your loan purpose. Whatever is left over will deposit into your bank account.

Credit repair specialists review your full credit reports from all three credit bureaus. They may ask you to bring in your credit report or they may use software to pull your credit report information. A knowledgable credit repair specialist will scour your credit report looking for information that can be removed based on the Fair Credit Reporting Act. Reputable specialists will not recommend you dispute everything from your credit report just to see what falls off and what stays.
A lesser known option for consolidating your debt is to borrow money from a life insurance policy. You can borrow up to the cash value of the policy, use the money to pay off several smaller credit card debts, and then make payments to your life insurance policy. You may not need to repay the borrowed sum, but understand that your death benefit will be reduced by however much you borrowed.
Not all applicants will qualify for larger loan amounts or most favorable loan terms. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. Maximum annual percentage rate (APR) is 35.99%, subject to state restrictions. APRs are generally higher on loans not secured by a vehicle. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $400. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Active duty military, their spouse or dependents covered under the Military Lending Act may not pledge any vehicle as collateral for a loan. OneMain loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z, such as college, university or vocational expenses; for any business or commercial purpose; to purchase securities; or for gambling or illegal purposes. Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. Ohio: $2,000. Virginia: $2,600. Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: Florida: $8,000. Iowa: $8,500. Maine: $7,000. Mississippi: $7,500. North Carolina: $7,500. New York: $20,000. Texas: $8,000. West Virginia: $14,000. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.
While many of the best debt consolidation loans have borrowing limits of $35,000 to $40,000, SoFi differentiates itself by offering personal loans of up to $100,000 with fixed rates that range from 5.99% to 17.53% APR when you sign up for autopay. LightStream also offers loans of up to $100,000, but you may need excellent credit in order to receive a loan for that amount. You’ll also need relatively good credit to qualify for any personal loan with SoFi, and you have to borrow at least $5,000.
Ashley Dull is the editor-in-chief of CardRates.com, where she works closely with industry leaders in all sectors of finance to develop authoritative guides, news, and advice articles read by millions of Americans. Her expertise lies in credit cards and rewards programs as well as credit reports and how credit scores affect all aspects of consumerism. She is often asked to serve as an expert source on financial topics for national media outlets, such as CNN Money, MarketWatch, Money Matters, ABC News, and NBC News, and has recurring contributions to several leading finance websites. Connect with Ashley on LinkedIn and Twitter.

General rewards credit cards earn points or miles that can be redeemed for a variety of rewards including cash back, travel and merchandise. They offer flexibility with multiple redemption options and are typically a good choice if you’re just getting started with rewards cards. Most general rewards cards earn one point per dollar and some programs offer additional points in bonus spending categories such as gas, grocery stores or travel.
But if you have established credit (and are no longer actively using these accounts -usually credit cards), you may want to have the primary account holder remove your Authorized User or Joint status. This is an especially good idea if the account has late payments or is at or close to its credit limit. Here, the primary holder of the account may be putting a dent in your credit score simply because you are an Authorized User or Joint holder. Call it guilt by association.
Building credit is a long-term investment and there's no single thing you can do to make that happen immediately. Credit history will gradually build as you continually increase the number of on-time payments. Even improving credit takes time, where the fastest change of bringing all accounts current, can take 30—60 days to reflect on your credit report. The best way to build and improve credit is to do so steadily, by paying all your bills on time every month, managing your credit utilization ratio and ensuring you use a mix of credit types wisely.
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.

Talk with your credit card company, even if you have been turned down before. Rather than pay a company to talk to your creditor on your behalf, remember that you can do it yourself for free. You can find the telephone number on your card or your statement. Be persistent and polite. Keep good records of your debts, so that when you do reach the credit card company, you can explain your situation. Your goal is to work out a modified payment plan that reduces your payments to a level you can manage.
Terms & Conditions/Privacy Policy Startup Credit Repair Business Training Center helps real estate agents, loan officers, mortgage brokers, credit consultants and entrepreneurs’ start their own credit repair company by utilizing software, credit repair training and business training. Startup Credit Repair Training Center offers credit information and not legal advice. If you need legal advice, please consult with an attorney in your state. Startup Credit Repair Business Training Center© All rights reserved.
Using credit card balance transfers to consolidate your credit card debt is another way to save money on credit card interest and make progress toward paying down your debt. Here’s how it works. Take higher interest credit card debt and transfer the balance to a credit card that has a lower interest rate, preferably one offering zero-percent interest. For example, if you have $5,000 in credit card debt on a card with a 23.99% interest rate and you can transfer this debt to a 0% card (12-month introductory offer), you’ll save $1,200 over 12 months. Most credit cards charge a 3% balance transfer fee. In this case, that’s only $150: still worth filling out the application.
Trade account information: Here you'll find a list of your open credit accounts, including the creditor's name, your account number, the amount you owe, your available credit limit or original loan amount, and whether you've paid on time and are current on payments. You'll also find data on closed accounts, including the payment history on those accounts and whether or not they were closed in good standing. Negative information on credit reports can include missed or late payments and charge-offs. Learn more about the types of negative information that can appear on your credit report.

Should you respond to Cobalt Advisors or Credit 9 and trust them that this is the best way to consolidate debt? If you have been thinking about it and you just received a “too good to be true” loan offer in the mail from Saxton Associates, Hornet Partners, Polk Partners, Ladder Advisors, Apply Credit9, Cambridge National Lending, Greenlink Financial, Americor Funding, or Titan Consulting Group – listen to your gut instinct. Do you really think you qualify for a 3.99% interest rate? Do you really think that reservation code is especially for you? Check Best 2020 Debt Reviews and find out the truth.
Ultimately, you will only achieve freedom from debt if you learn how to manage your finances. You need to come up with a budget plan so you know just how much you can afford to spend every month. This is where a credit counselor or a debt professional can be of assistance. They should be able to provide you with a great advise to help you understand the do’s and don’ts of wise spending.
While you're on the hunt for a new credit card, watch out for subprime credit cards that prey on people with bad credit. These credit cards often have high interest rates and extremely high fees that make credit unaffordable. A lot of people find themselves right back in debt with damaged credit after trying to rebuild with one of these types of credit cards.

Just as there is no single best credit card for everyone, consumers have widely different opinions about the best (and worst) credit card issuers. One person could get the runaround from customer service rep and rate a bank zero stars as a result, while another has nothing but positive experiences and gives it five stars across the board. Still, some trends emerge in customer satisfaction surveys.


Sky Blue provides credit education, professional advice and credit rebuilding services in Lexington. They also offer transparent pricing and a user-friendly experience with accounts that are convenient to manage online. You can even use your customer portal to cancel or pause your membership at any time. Reviewers frequently mention Sky Blue’s ethical and knowledgeable customer service.

If the same individual consolidated those credit cards into a lower-interest loan at an 11% annual rate compounded monthly, they would need to pay $932.16 a month for 24 months to bring the balance to zero. This works out to $2,371.84 being paid in interest. This results in a monthly savings of $115.21, with $2,765.04 saved over the life of the loan.

No two members are alike. That's why we provide a variety of features like online and mobile banking, mobile deposits, and nationwide account access through the CO-OP Shared Branching network. That’s right: you can find an ATM almost anywhere. Our personal accounts include Peak Checking accounts with high interest rates that help your money make money. We also offer additional personal checking account options, personal savings, Visa cards, and youth accounts to get your kids started making smart financial choices from the beginning. Whether you just moved to Portland, or have been here for years, our credit union is here for you. Our services include checking accounts, high-interest peak checking accounts, savings accounts, and youth accounts. Want to bank online or in-app? We offer that too.


What can you use this loan or line of credit for? This is a multipurpose option. You can use it for home improvements, to pay down higher rate balances, educational expenses, or any major purchase. This loan option can be used for credit card and loan debt consolidation. Loan proceeds may not be used to refinance any existing loan with LightStream.
A good credit score can open doors for you. From helping you qualify for the best interest rates and terms when you borrow money to influencing how much you pay for life insurance, some might be doors you never even dreamed existed. Landlords will consider your credit scores when you apply to rent, and even telecom companies might look at your scores before you lease your next smartphone.
The rewards you earn on your card are stored in a rewards account that you can access when you log into your card account online or, often, from the issuer's mobile app. Some issuers credit your rewards account for a purchase almost immediately. In other cases, your rewards account will update when your billing cycle closes and the issuer prepares your credit card statement, so it can take several weeks for rewards from any particular purchase to show up in your account.
Even if you’re already dealing with credit consequences from delinquent payments, you can likely still contact your creditor to work out a way to make your payments more manageable and avoid future credit damage. Your creditors would much rather work with you to establish a payment plan than have to chase you down to get their money back — or, worse, have to charge off the debt entirely.

I had a $10,000 surgery when my medical insurance lapsed. I had to fill out a form with the hospital that stated I could not afford to pay it and they forgave it/never went on my credit. If you make under a certain income, the hospital should help you get those off, call the hospital and ask. It may be too late since it’s in collections already, if that’s the case, don’t pay it because it won’t change the negative impact since it’s already in collections. Wait for it to fall off.
The most important thing here is to never, ever close your older credit account. I made the mistake of closing a VISA with a $7,500 limit I had for many years after paying it off in 2008. But at least I kept a credit line with my bank that has been there covering any overdraft on my checking account for the past 12 years. That has helped me to have an excellent payment history on my open accounts for the past 5 years. 
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.
Negative credit information is anything that causes creditors to consider you a riskier borrower, including late payments, accounts in collections, foreclosures, bankruptcy and tax liens. Once negative credit information is introduced into your credit history, you cannot remove it on your own. However, time heals all wounds. The longer it’s been since the negative information was introduced, the less it will affect your credit score. In time, negative information falls off your credit history.
No homeowner should have to make the choice between a beautiful window and one with superior performance. As an award-winning manufacturer, Restorations Windows have been designed to be the best looking, best performing windows and patio doors in the marketplace. With thousands of satisfied homeowners, you don’t have to take our word for it. Check out what homeowners think below.
When you are convinced that a debt consolidation program is your best option, select a trustworthy company to work on your behalf. A company that has a current working relationship with creditors and collection agencies will help you get better results. Because of this, a debt relief company that has been in the industry for a long time is a good choice.
Our main reason for not giving Accredited Debt Relief a score higher than 3.5 stars was a lack of information on their website. Most of their higher-ranked competitors provide details as to the average fees charged - either by themselves or by the debt relief companies with which they partner - so that prospective clients can get an idea of those rates before making that first contact. Also, the ADR site says in multiple places that they operate in "most states", but that their service is "not available in all states and [their] fees may vary from state to state". It would save customers time if they knew in advance that their state is not one of those covered by Accredited Debt Relief's services.

Debt consolidation typically allows you to combine your unsecured debt and pay it off in one bill. If you are in a position where it is overwhelming to pay for everything that you owe, having a smaller fixed rate is a good way to help you out in the present. Usually, it promises a lower interest rate at the cost of prolonging the time you are in debt. If this is something that you want to consider, the most common way to do so is through a loan. This could be a loan from a bank or other lender. A debt management program might also be able to help you out. A lender is basically now responsible for paying off the debts that you owe, and you are solely responsible for paying the lender at the rate and time that they choose. 


Should you respond to Cobalt Advisors or Credit 9 and trust them that this is the best way to consolidate debt? If you have been thinking about it and you just received a “too good to be true” loan offer in the mail from Saxton Associates, Hornet Partners, Polk Partners, Ladder Advisors, Apply Credit9, Cambridge National Lending, Greenlink Financial, Americor Funding, or Titan Consulting Group – listen to your gut instinct. Do you really think you qualify for a 3.99% interest rate? Do you really think that reservation code is especially for you? Check Best 2020 Debt Reviews and find out the truth.

Online debt consolidation may seem pretty appealing when you feel like your finances have gotten out of control. Online debt consolidators help you take out a loan to pay off multiple loans or debts, leaving you with just one loan payment to make each month. Ideally, the online debt consolidation loan has a lower interest rate or longer payment term, enabling you to reduce your monthly payments or to pay your loan off faster.
Doctors, hospitals, and medical offices ultimately prefer to be paid in full but that may not be feasible for your financial situation. One way to negotiate relief from medical debt is by asking your health care provider to discount or reduce your bill. If you’re a long-time patient and you have a positive history of paying your medical bills, they may be willing to cut you a break.

In Utah and Arizona, Lexington Law also offers full-service legal solutions, including bankruptcy, family law, criminal defense and general litigation. Those services are not available online and you would need to contact the individual office for information.  Lexington also works with various of-counsel in certain states to provide credit repair services. Each of those attorneys also have their own practices.
One of the biggest contributing factors to your credit score is the amount of debt that you’re currently carrying on your revolving credit accounts – credit cards or lines of credit. We understand you may not have money to pay down your current balances, but if you do, you definitely should. This is the quickest way to improve your credit score substantially – you may see up to a 100-point increase in as little as a few weeks. Many credit specialists also believe you’re better off spreading your debt burden over multiple cards, instead of having one ‘maxed out’.
Amber Brooks is a Contributing Editor at Digital Brands. She spends her days consulting with financial experts to bring readers the best recommendations and tips on the web. She's interviewed financial leaders from all around the world. With a background in writing, she's uniquely suited to diluting complex financial jargon into terms that are easily understood. When not obsessively budgeting out her days, Amber can often be found with her nose in a book.
Evaluate the pros and cons, especially if you’re tempted to switch to a private student loan. Using a federal consolidation loan isn't terribly risky. But moving from federal loans to private loans is not something you can reverse—you’ll lose the benefits of those federal loans forever. For example, if you work in public service, you might have the opportunity to get federal loans forgiven after 10 years of employment. Good luck getting that deal from a private lender. Some federal student loan repayment plans might also allow you to lower your monthly payment based on your income, but private lenders are less accommodating.
The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.
Also, when we purchased this vehicle, we were going through a Chapter 13 bankruptcy, purchased after we filed, and when we told them we were going through a bankruptcy, they stopped sending us statements, they stopped calling, we heard nothing from them. When we came out of the bankruptcy, they informed us we needed to pay the equivalent of 5 payments, or they would repossess the vehicle.
While much of the world communicates electronically, the credit repair industry still communicates with creditors to a great extent by conventional postal delivery. Typically, a credit repair company will send letters to creditors and ask them to affirm the validity of the debt. If the creditor is unable to comply, the item may be removed from your credit history.
I made a payment arrangement with a debt collector (attorney). The arrangement was that they would automatically withdraw the amount from my account each month. I noticed after the first 2 months, no money was being taken. I made written contact with them on 3 occasions, giving them my account number again and asked that they begin withdrawing the payment. I then receive a garnishment notice from my employer. I again contacted the collector, gave them my account information and told them they did not uphold the original payment arrangement. They released the garnishment. Again, the following month, no money was withdrawn. I then began making payments to them online. After 4 payments, they garnished my wages again saying I missed a payment. I have made in total 7 attempts to contact them to plead with them to uphold the original agreement that they automatically withdraw the funds. I explained had they done this, there would have never been a missed payment. They refused and said they tried withdrawing the money, but were unable to. The bank has verified that the funds were available in my account when they said they supposedly try to withdraw the payment. I then asked for proof of these attempts and they refused. At this point, I am having 6 times the amount originally agreed upon taken out of my check each month. I told them this was causing me a severe financial hardship. I was berated by the person at the attorney's office and told it was all my fault, even though they did not adhere to the payment agreement. Do I have any options? They are refusing to release the garnishment They refuse to send me any documentation or discuss with me any further. Thank you.
Our main reason for not giving Accredited Debt Relief a score higher than 3.5 stars was a lack of information on their website. Most of their higher-ranked competitors provide details as to the average fees charged - either by themselves or by the debt relief companies with which they partner - so that prospective clients can get an idea of those rates before making that first contact. Also, the ADR site says in multiple places that they operate in "most states", but that their service is "not available in all states and [their] fees may vary from state to state". It would save customers time if they knew in advance that their state is not one of those covered by Accredited Debt Relief's services.
Like the Discover it Cash Back, this card gives you 5% cash back on rotating categories for up to $1,500 spend each quarter (quarterly sign-up required; 1% after maximum spend). In addition, you earn double your cash back at the end of your first year. Finally, get 0% intro APR for 6 months on purchases and 10.99% intro APR for 6 months on balance transfers (then it’s 12.99%-21.99% variable).

What are the best Paid Surveys? Over the years, people have discovered a not-so-secret way to earn gift cards, free movie tickets, and even cold hard cash, all from their laptop or mobile device. How? By completing surveys online. These surveys range from a few questions to lengthy questionnaires, and you're rewarded by making money from home or on-the-go.


The nation’s three largest credit reporting agencies (Experian, TransUnion and Equifax), keep records on anyone who has borrowed money or signed up for a credit card. If you pay your bills late, consistently use more than 30% of your credit limit or carry big balances from month-to-month, the credit agencies report it and your credit score plunges.
Once you’re looked at your credit reports, you want to fix any errors you find. For most people, the process of fixing errors on credit reports is known as credit repair. Credit repair is something you can do on your own. Or you can turn to the help of a professional credit repair company for help with fixing your credit. Whichever option you choose, start as soon as possible.

The creditors don’t have the time or manpower to negotiate with every one of their customers individually. They work with credit counseling agencies like us to create a set of standard concessions that we may offer to clients when appropriate. The creditors also understand that we provide counseling and education, which makes our clients more likely to succeed in repaying their debts.


Each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report once every 12 months, if you ask for it. To order, visit annualcreditreport.com, or call 1-877-322-8228. You may order reports from each of the three credit reporting companies at the same time, or you can stagger your requests throughout the year.
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