It is a fact that not all credit repair companies can be trusted. Some companies claim, or to be exact they guarantee that they can fix your credit report in a month or so. Can this be true? Not by any chance! How are they going to do that with people having very bad credit reports! A bad credit report can be fixed over time, but not in a month or so.
How do we come into the picture? We come into the picture because we are also a credit repair company. However we do not guarantee that we will fix your credit report in a month. We guarantee however that if we are not able to fix certain elements on your credit report, as agreed between us after a certain period of time, we will reimburse you back any expenses.
To make proof of our good will we are offering you a 100% free report with suggestions on how you can restore your credit report.
Please note that this report is indeed free and we do NOT ask you for your credit card details before giving you the free report. The only personal details we require are your name and surname, email address, phone number, address and zip code. There is absolutely no obligation from your part. Restoring your credit report is in your best interests. By having a good credit report you will not be rejected when asking for new loans and apart from that you can save a lot of money from lower interest rates.
But what if you do not have a credit report. What if you do you know your credit score? Find out your credit report score with our FREE credit report plus credit monitoring service.
Please note that to get your free credit report you hae to give us your full details including your credit card number.
But what is your credit score after all? I would assume that if you got to this page you already know what is a credit score. But in life I have learnt never to assume anything. Your credit score is basically a numerical number that the credit agencies assign to a person based on there past credit performance. If you pay your debts on time and do not carry high balances then you will have a high credit score. But if your credit cards are maxed out and you are late every month then you will have a lower score.
Good credit is essential for everything from buying a car or new home to applying for a job. Credit reports are compiled by credit bureaus with information gathered from creditors. The three largest credit bureaus are Experian, TransUnion, and Equifax.
Checking the content of your credit report regularly is something that you need to do. The reasons for this are many, but if you are not checking your credit report regularly, you can be assured that others are, and there may be data on there that is not correct, which is going to bite you in the backside at the most inopportune time at some point in the future, and you will not have time to make the corrections at that time because you will be up against the wall for getting some kind of important financial transaction approved.
Hidden errors on your credit reports can negatively affect your score, making it near impossible to acquire new credit. Hence, difficulty qualifying for a home, a car loan, a new credit card or even a simple bank account. And for those that can qualify for financing, you will be saddled paying a higher interest rate. This is why it's so important to review your credit report and identify any errors, they are surprisingly common.
A credit report can make or break a company or a person because all the financial data and history of the report holder is clearly mentioned in this report. The most important fact to be noted about a credit report is that any negative comment or remark on the report will literally leave an indelible mark on the person’s financial record. This is because a bad credit remark is not removed from a credit report for at least ten years.
Changes in employment and an unstable history of residence can have a very detrimental effect on your credit rating, causing you to get turned down for a rental. Changes in employment and an unstable history of residence can have a very detrimental effect on your credit rating. You should check the status of any online investigation that you have previously requested and view the results of your online investigation after you have received the notification that your results are available for viewing.
People having many cases of late payments, payment defaults, arrears and CCJs can find these loans once they have proved their credit-worthiness. This they can prove by paying off some easier debts for few months before applying for the loan. The main motive is to win back the lenders’ confidence in you.
A general misconception is that it's impossible to get a loan with bad credit. It is possible to get a variety of loans with bad credit, including a mortgage, a car and possibly even a personal loan. However, more often than not, bad credit loans come with a range of interest rates, pre-payment penalties, clauses, and loan terms. To make sure you only borrow from a reputable lender, shop around to make an informed choice. To be sure you are not dealing with a predatory lender, check with the Better Business Bureau and do a thorough search on the Internet.
One of the easiest ways to raise your credit score quickly is to simply reduce the amount of debt you currently have. It's not necessarily how much debt you have that is weighing your score down, it's the debt to limit ratio that creditors are looking at, and the algorithms that determine your score use to judge your ability to pay going forward.
The Fair Credit Reporting Act specifically stipulate for professional credit repair firms and their functions. The FCRA outlines exactly what the credit bureaus must do to keep accurate records of your credit history. The Credit Repair Organizations Act stipulates what repair firms must do to be fair and accurate with you! However you can repair your credit yourself using the exact same strategies the credit repair firms use for you, and it is usually much cheaper to learn how to do it, than outsource it.
To get your free credit report click or click on the advertisement below:
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