Bad Credit Mortgage Loans Interrelated Information

March 31st, 2011 by admin

Rare Sight: A Financial Institution Giving Back to the Community

Jeanne D’Arc, a credit union serving counties in Massachusetts and New Hampshire, is going out of its way to teach teenagers and other members of the community financial responsibility.
Business Insider

Bad Credit Loan Sources

Bad Credit? No Credit? No Problem! Guaranteed Approval Loans Are Available Up To $25,000 more info…

BAD credit!!?

OK I am only 18 and I have really bad credit…I dont know why but I wont get approved for anything at all… What can i do so that I can fix my credit?? Any sitesz *for Free* that I can go to, to see what is affecting me?

If you’re 18, you haven’t had credit long enough to have a good or bad credit rating. It’s more proper to say you have NO credit rating.

Do something simple.

If you are concerned. Fine. Get a credit card with a two-hundred dollar limit, Go out to dinner dinner, send the payment in when you get home. Don’t carry any balance, or carry a balance only for a month or two and put the money in a jar to send out at the end of a couple of months.

Very quickly afterwards, the company will raise your limit. Do the same thing again. When you go to buy something, do three things.

1. Save up the cash for whatever you are going to buy, put it in the jar, or open an interest bearing savings account
2. Buy whatever it is using the credit card.
3. Wait 35 days.
4. Pay the whole amount for the credit card off + the interest accured.

What this does is raises the “maximum amount” you have ever used on the card, but it does not hurt you very much at all. All you pay is a few dollars for the month-to-month interest and maybe the yearly service fee.

That’s basically it. Otheriwse, pay your bills. DON’T run up credit problem.

See Maxed Out!

Tweet: Tips For Getting Personal Loans Bad Credit Through The Net: It is easy for people to apply and obtain Personal L…
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Bad Credit Second Mortgage Related Guideline

March 31st, 2011 by admin

As you devour this article, remember that the rest of it contains valuable information related to bad credit second mortgage and in some way related to credit unions, auto loan for bad credit, bank loans with bad credit or home improvement loans with bad credit for your reading pleasure.

Bad credit home equity loans can even help to fund your vacation. Clasp the snow stricken mountains, or go for a dip in the clear blue waters of the Caribbean islands. It can all be realized through home equity loans, even if you can’t shed off the bad credit tag.

In the arena of loan borrowing, there is hardly an opponent more difficult to tackle than bad credit. Bad credit implies that your personal credit history is integral and decisive in making the personal loan available for you. Bad credit history is like very probable. It is not that you have not been repaying loans, sometimes financial accidents happen.

Now that you know about your credit score, concentrate on your business budget. You should be clear about your money requirements before you take out bad credit business loans. Your Bad credit business loans should be backed by a feasible business plan. Don’t go applying for a bad credit business loan, if you are not ready with a business plan.

Don’t forget that even if your immediate bad credit second mortgage quest isn’t answered in this article, you could even take it further by doing a search on Google dot com to get specific bad credit second mortgage information.

The repayment options with bad credit remortgage are proliferated. Bad credit remortgage have interest rate alternative –fixed, variable, capped, discounted, flexible, tracker.

Unsecured personal loans for bad credit will not require you to place any security for the loan. However, they are hard to find because few lenders are enthusiastic about offering bad credit personal loans without security. However, with competition, they are offered to more and more people with bad credit. Your interest rate for unsecured bad credit personal loans will be higher than its secured counterpart.

Find the loan that speaks to your situation. Try taking small amounts for bad credit loan. Make sure your repayments are on time. By doing so you are steadily improving credit. Take the amount that you need, even if you can afford more. Showing commitment with bad credit loan will display a dedication to improve credit. And gradually, you will see that you are qualifying for regular loan instead of bad credit loan.

Many folks seeking online for articles related to bad credit second mortgage also sought for articles about cheap loans for people with bad credit, bad credit mortgage loans, and even home equity loans with bad credit.

So here is chance to get your free tips on florida bad credit mortgage and in addition to that get basic information on saving money visit bad credit auto loan

How long does a bad credit card stay on my credit report?

Greeting all, I was told by someone that after afew years of having bad credit card, it will be removed from credit report. Is this true? If yes, how long?


It will be removed seven years from the date that it occurred. If you check your credit report then it will tell you the month and year that it will be removed. Oh, by the way, you are in titled to one free credit report from each credit agency every year. Here is the link below to do this. Also, it is a good idea to monitor your credit reports. If you find anything suspicious report it immediately.

Capital One Secured Credit Card Rebuild Your Credit Fast

March 30th, 2011 by admin

When it comes to secure credit cards, the Capital One Secured Credit Card is by far one of the most attractive choices for first-time credit applicants and people who have a tainted credit history. This is because the Capital One Secured Credit Card extends some very reasonable terms and conditions to its users as well as a number of other benefits that you typically won’t find with other credit card providers.

Reasonable Interest Rates

Because secured credit cards carry virtually no risk to the provider due to the existence of a cash deposit in a customer’s account, one would expect lower interest rates. Yet, many providers of secured credit cards give no consideration to that fact at all and ruthlessly charge their customers outrageously high interest rates. With the Capital One Secure Credit Card, that problem doesn’t exist as the interest rates are extremely reasonable.

Application fees

There are many providers of secured credit cards who will charge applicants an application fee. A legitimate provider will only charge this application fee if the customer is approved and will usually charge the fee to the secured credit card that is being issued. The Capital One Secured Credit Card, on the other hand, does not charge an application fee. Why would you pay another provider that extra application fee if there is no reason to?

Credit Limit

Providers of secured credit cards make more money when their customers actively use the cards to make purchases. Therefore, some shady secured credit card providers will allow their customers huge credit limits of more than a thousand dollars. The Capital One Secured Credit Card, however, comes with a maximum credit limit of $750 to help keep a customer from spending more than he can afford to. Capital One realizes that over-spending is often the reason why many of its customers got into financial trouble in the first place and wants to help them rebuild their credit by curbing the tendency.

Savings Deposit

The Capital One Secured Credit Card does not require that you deposit a huge sum of money into your savings account as a guarantee. It understands that first-time applicants and people with credit problems may not have a lot of money to spare. Refundable security fees on some Capital One Secured Credit Cards are as low as $75.

Reporting to Credit Bureaus

In line with its mission to help customers rebuild their credit rating, the administrators of the Capital One Secured Credit card will report a customer’s payment information to the credit bureaus. The purpose of this is twofold; it encourages people to pay their credit card bills on time and it also provides legitimate proof that a person with past financial problems is pro-actively trying to rebuild his credit rating.

For those of you seriously want to rebuild your credit rating by becoming more disciplined and responsible, the Capital One Secured Credit Card is definitely the best choice. Not only does the Capital One Secured Credit Card extend conditions that are extremely well-suited for credit re-building, but it makes it a point not to capitalize on people who are already at a disadvantage.

Finding the right Credit Cards for Bad Credit in Canada is a tough situation. That’s why we’ve build a website for you to find the best secured credit cards in Canada!

Does an unsecured credit card build credit faster than a secured?

I’m new to credit cards. I keep getting sent these crap mass mailings for unsecured ones and apply to them just to deny me. Really a waste of time and annoying. So I’m applying for a secured one with a 200$ security deposit. Two questions…First does a secured build credit any faster or slower than an unsecured card? And is $200 bound to be my credit line? For example, could I only put up to $200 in purchases monthly on it? I’m applying for the Orchard Bank one. Thanks!

You can use this credit monitoring service to pre-estimate future scores for different scenarios of such payments –

Credit Score Faq

March 30th, 2011 by admin

More Credit score questions please visit :

Credit Limit Increase on Discover Card?
I was cross-examination my balance on my Discover card today-over the phone-when the rep asked if I’d close to to have a credit increase. With Discover I’ve salaried on time adjectives the time-but still have a symmetry (high balance but payments are reasonable)…but near other cards I’ve been delayed %26 the balances are lofty %26 my is not accurate. How much would Discover increase my limit ($2000-$8000 would be nice so I could verbs a balance from another card to my Discover Card)? Would they increase it base on my payment history near them or do they take into depiction my %26 my other debts?

Credit mark?
how can i make excellent credit chalk up higher? For some plea my dropped 12 points within the last year. I hold no late payments and nil balances on adjectives my credit history except 2, those balances arent dignified. Now i know looking at your credit report takes points away from your ranking. What can i do to make my chalk up higher and promptly?

Credit mark?
How much does not paying on your credit cards hurt your credit score? i own a house and a car–I get layed off THEN sick and finally found a mission making half of what i WAS making.NO JOBS within the military town I am in!! I have to let the credit cards turn!! House and car are contained by good standing. I haven’t remunerated on the cards in 2 years. What do you chew over?

Credit rack up?
I have only just paid bad all my credit cards ( roughly speaking $3,000) .They all enjoy zero balance now.Also I remunerated off something that I have monthly payments on , which I paid bad early the set off was $1,200 .How much can I expect my credit chalk up to go up beside these changes? Also when i pulled my credit report here was a exotic collection on there , that a moment ago came on nearby 10 days ago . But is for a really old bill that I didnt know I have , the collection is $26 .Should I dispute it as I was never informed of the debt , so i was not given the opportunity to wage before it go to collections. If I dispute it how much points can I expect to lose on my credit score?

credit ranking – righteous versus impossible, and how to fix it?
my is a ghastly 595 (stupid things i bought and negelected the bills for). as i capture older, this in recent times doesn’t suffice, especially if i want to move out or by a new vehicle.what’s considered a good rack up, and how can i build up my score aside from paying past its sell-by date what i owe?

Credit ranking, poor, balanced, virtuous, excellent?
I am trying to figure out in recent times how high my husband and I obligation to raise our before we refinance our mortgage. I would approaching to get the best rate possible, but I might be predisposed to settle for second best. We currently have an ARM that will open to increase in a few months. I appreciate any abet. Thanks.

Credit ranking?
My dropped something like 20 points, Nothing as changed, Why did it drop?

Credit Report Question?
I am currently trying to access my free credit report to see my credit score. I am a spanking new college graduate and am now renting an apartment surrounded by a different state than my parent’s home. Part of the screening process questions my mortgage loan provider and payoff and as identity check. If this is the case, it is the mortgage loan on my PARENT’s house. Is at hand a way to obtain around this? This is no longer my place of residence. Any help would be appreciated. Thanks.

Credit Report?
My gym membership default due to various reason. After some time, a lawyer’s office contacted me and we worked out a return schedule – I remunerated off the entire contract surrounded by three installments (approx ~ $550). This may sound silly…but is the lawyer’s department deemed a ‘Collection Agency’?, or is this a different process? I know this will hurt my credit history…basically wondering what the full impact might have be. (ie: points taken off my credit rack up?) Also, if this did hurt my credit score…how long does something similar to this stay on my history? How much will it affect my getting approved for a car loan? Or a mortgage within the next few years? Thank you!

Credit report?
why on my 3in1 credit report i have 3 different credit score. they average to 635 but they are so different. does anyone know what that means. how will that effect me bying or leasing a truck. thankfulness for your help.

Credit Score = 610 next to Secure Credit Card!?
About a year ago, my be somewhere 500-600. So I decided to carry a secure credit card to tilt my credit score. I ‘ve have this card for about a year in a minute, and then fixed to apply for a non-secure credit card few weeks ago. I was DENIED. I be kind of surprised, because I thought a year be long enough to build my credit to qualify me for an actual credit card. So I granted to check my score online through My mark is now 610 (just Equifax). There be 7 accounts on my report:1. Installment Account (School Federal Loans): Status is good.2. 3 Active Collection Accounts: elderly medical bills, cell phone bills.3. Revolving Account: My current secure credit card, Status is also right, I pay prompt, but my balance is usually close to the available credit aim.4. 2 Revolving Accounts: Charged OffMy last 2 years of fee history is good, no missed payments. The distrustful items are old.How can I boost my credit? can my secure credit card allow me to get 700?

Credit Score Increase…?
I have 2 ccj’s on my credit report,I have compensated these in full.Once i own made the courts aware of this will my increase.?,And if so by how oodles points.?

Credit Score interview?
I have a credit card explicitly my oldest credit history on my record. I’ve have this credit card for about 10 years. I want to close this statement as I never use it. If I close this account will it lower my credit ranking? I have lots other credit cards in my entitle that have a suitably long history of 5 years or more, and those are all on perfect terms, rewarded on time, never slow, etc. Again, I never use this account, and it’s in actual fact in my Mother’s autograph. I am also on the account, but she is the primary card holder. My social warranty number is linked to this side. Will this lower my to remove myself from the reason?

Credit Score Question …?
My is 683, am I going to hold to pay a high-ranking interest rate for a car loan?

Credit Score Ranges…?
what are the different ranges for respectively risk level?i know it go up to like 800, but what are the ranges for low risk, environment risk, medium-high risk, and high risk?

Credit Score turn up or down ?
For the past 2 years I own had 1 credit card. It is a no-annual-fee card. The credit factor is $ 6,000. Almost every month I charge 4 or 5 small purchases on this card.The card never has any more than $ 500 surrounded by charges on it. I always take-home pay off the match at the end of respectively month. I have never remunerated any interest or fees because I always settle up it off as soon as I receive the statement. Will this practice raison d`¨otre my to increase, cutback, or will it have no effect on my credit gain ? Yes, I realize there are masses other factors that can basis my credit score to budge up or down.

Credit score/ credit cards?
So recently I canceled three of my credit cards. I really never used them much. I be wondering if I hepled my turn up by doing that.

Credit score: Why does everything own to be so clandestine?
THis question be inspired by another poster’s question give or take a few credit, and I guess its really aimed at people working surrounded by the lending institutions or those who know a bit bit about it. I really want to know why firms will not explain to you why you have be refused credit for something. i hold often be told that my is too low for enduring storecards but the providers will never tell me why. Instead they refer me to Experian or whoever, but even when I refer to the credit report, I dont really know exactly why it is low. I own no CCJs, have never be bankrupt, I am on the electoral roll. I enjoy a credit card which I alsways pay rotten in full, put aside for a couple of occassions when I accidentally paid overdue. I DO understand that previous residents at my address may affect my chalk up, blah blah, but what I really want to know is why cant stores/lenders give SPECIFIC reason for their refusal rather than me have to guess?

Credit Score?
Does it affect my if I close credit card accounts I havent’ used for over a year. I don’t use them any more so I call them and had them closed. I still own at least 10 other accounts I use regularly.

Credit Scores?
How do you determine your to be poor, average, or excellent. What is the rating criteria. I spatter in the variety of 726.

Credit sustain from friend?
Hello,A friend of mine has a credit chalk up over 700 and my is around 500. He hear that if he put me on one of his credit cards it would help me when applying for a loan. Basically, his credit chalk up would come up when my credit is run since I’m attached to one of his accounts. Is there any truth to this? Thanks

Credit win?
I want to apply for a credit card, and it says one of the requirements is ‘I hold a valid that can be found at one of the principal credit reporting companies.(In some cases, a valid credit report is sufficient to be eligible for a credit card.)’ what does that mean?

Credit, Mortgages and Interest Rates?
I have really desperate credit (under 500 I think, do I have roughly speaking $1,700 on all my credit reports.) Can I still get hold of a mortgage loan from just give or take a few anyone as long as I can pay 30% down? What in the order of 20% down? What would my interest rate be?I asked this somewhere else, but I didn’t get a straight answer. So, here is more details. The $1,700 on my credit report is not credit card debt. Things resembling medical bills, some bad checks, library and feeble cable and gas bills. So, it’s not like I can lately get a credit card and start making payments. When I move, I am not moving from a house to an apartment and next back to another house. Just to dally for my to catch better. I’ll refinance later when my credit is better. Based on the reality that I am going to do this no matter what I only want to know what my interest rate would be.

Credit: How much can 1 outstanding collection effect your chalk up. can they hit you over and over or lately once?
Problem: I have/had a gym membership on a two year contract. I completely rarley use the thing contained by fact i simply used it 2 times last year. i be 18 months through my contract. And put it on hold which cost me 5 dollars a month for 6 months then it would start up at the current charges of 25. The gym would automatically verbs the money from my credit card. 3 months ago my card was stolen and i cancelled it. I forgott to enlighten the gym so they were not reciving payments ( I know this is my fault) problem is I relized this when i get back into town from europe and be going to go to the gym. I go in to reward up the 15 dollars i owed them and take my sponsorship off of hold. problem is they sent me to collections. I would hold gladly compensated them the money if they had a moment ago called me (they own my number) I am a little bit ticked (collections hasn’t call yet. i enjoy an 800 and i am likely to take a hit out of principle does anyone know around how far 1 claims max is within your score

Damaged – How can I fix this?
Help. I am divorcing and going to apply for a loan for a house but I know my is low. I am a Disabled American Veteran and while I be seriously ill I did not settle my bills on time. For olden times 25 years I have shown outstanding financial responsibility. Now that I have a hardship (I be in and out of hospitals have surgery) it has negatively artificial my crdit score. I am REALLY, in general very correct about paying my bills. How can I capture my credit ranking back up? I own gone back to my ‘good’ ways, but it hasn’t help to raise the credit gain. Any other ideas? Will writing to the an assortment of companies work? I can’t just linger for time to pass because I don’t hold the time to wait (did that a short time ago make sense?).Thank you adjectives in creditRanda

Debt support?
I am 27 and am in debt to the tune of 5000 dollars. I really want to fix my credit and bring myself on track but I have no perception where to start. I want to lift my it is at 536 right very soon. Does anyone know how to do this in smaller number than a year?

Debt to income ratio put somebody through the mill?
I am very resourcefully aware that credit bureaus consider your debt to income ratio when they determine your credit score. However, I hold never seen my income tabled anywhere on my credit report when I was working for a company or as self employed. Where on land do they get this info? I know an employer would not be capable of give out that information anyway short written consent.

Did anybody else win pre-approved for a Target Visa on their Target reciept?
Cause after I used my debit card at Target, the reciept said ‘Good news Kristine! You are pre-approved for a Target Visa’ and go on to say that if I be at least 18 and could prove my identity, that I be approved for a Target Visa.This suprised me cause the end time I checked my credit it was pretty crappy, so I be wondering a) if they checked my credit with info from my debit card and b) do they commonly give out cards to populace with low credit score?Anyone else had an experience beside this??

What matters more your credit score or the contents of your credit report?

If I have a good credit score but still have unpaid collection accounts on my credit report will lenders expect me to pay those before they would give me a mortgage? Or if my credit score is high does that mean they won’t really care about much else?

In the end it would be up to the lender as to if they would make you pay it. A lot would depend on the amount as well as the type of debt. If it was for something like a medical bill they may not, but if it is for a credit card debt they may require you to pay it off. Their biggest fear from them is if you get sued would you then have to default on the mortgage, basically making you a higher risk.

However, your credit score is based on your credit report. So if you have negative items on your report that will be reflected in your score. How much depends on several factors. But it would be out of the ordinary to have a high credit score(depending on what you consider high) if you have collection accounts.

Credit Repair Magic Review – Does It Really Works or Scam

March 30th, 2011 by admin

Can Credit Repair Magic really improve your credit score and drive your score up? According to feedback from various users, the program ‘Credit Repair Magic’ own by Business Service Group, Inc look very promising.

The credit score improvement secret…

The secret to improved credit is to dispute negative entries on your credit report. As most companies unable to verify the information on your credit report, deleting all negative entries make your credit score rise. Sound good, doesn’t it? Credit Repair Magic not only saves you thousands of dollars to improved your credit score but it is user friendly and simple written for anyone.

Click here for more info on Credit Repair Magic

Credit Repair Myths And Facts

Credit repair isn’t legal – Credit repair is legal and you are guaranteed these rights by the Federal Fair Credit reporting Act.

I can easily fix my own credit – Disputing the credit report is easy but getting results can be complex and infuriating.

Credit repair doesn’t work – Negative listings cannot appear on your credit report for longer that seven years or 10 years for bankruptcies.

Need to hire a credit repair service to fix tour credit – It actually takes more of your personal time with credit repair service than with Credit Repair Magic.

How Credit Repair Magic helps:

This program uses a trademarked ‘point and click’ program to guide you through the entire credit repair process. You’ll be able to dispute negative or erroneous entries on your credit report within minutes of receiving the program, and do it in the right way, so as not to antagonize your creditors or the credit reporting agencies. It also teaches how to get free copies of your credit reports from the 3 major credit reporting agencies in the country.

The Credit Repair Magic is proven to have following benefits:

Eliminates a lot of manual work if you do it by own, thus allowing you to complete the entire process with your home computer.
Save more money instead paying a credit repair company to do work for you.
Has an Automated Dispute Tracker System that is personalized to your needs and eliminates the possibility of you losing your track.

Click here for Credit Repair Magic

No doubt your local credit repair service or lawyer is making nice living charging their services month after month. It’s unusual for it to take several years before you see results from these companies.

There’s no reason to be stuck in bad credit report forever. What if you can dispute negative entries on your credit report  and  boost up your credit score… one where you’ll see a change in credit score within 2 – 3 weeks (depends on every situation and some people have reported an increase in as little as a few days!).

Click here to learn more about Credit Repair Magic and how you can improve your credit score in shorter time and economically.

Ian Rush has been writing articles for nearly 4 years. Now his latest interest is to write reviews on credit repair program on Credit Repair Magic.

Where can I find a reliable credit repair company?

My credit is terrible because my mother has been using my social security number for her needs. When I asked her about it she said “It is a mistake and they must have merged our credit reports.” Is it really possibly that our reports have been merged or is she just trying to cover her tracks? And where can I find a reliable credit repair company?

You can do it yourself without paying a penny. First get a free credit report at then write all three reporting companies and challenge all incorrect info.
Worse happens your mother used your SS number and will be arrested

Know about Amazing Credit Repair Secrets to have good credit score rating

March 30th, 2011 by admin

You might want to ask why a Credit score scale is so important. The answer is clear. If you have a good credit score rating on Credit score scale you are going to be considered a good credit risk. A good credit score rating means that you have not defaulted on any payment ever. You pay your monthly installments for your loans taken on time. You are going to be considered a good potential client by all the banks. You can get a loan from any of them at any time.
On the other hand there might have been a chance that you defaulted on a number of payments for the past couple of months. Your credit score has gone down on Credit score scale. So here are some amazingly good Credit repair secrets which are going to raise your credit score.
How credit repair secrets will able to raise my credit score? And the answer is First of all you are going to pay all your bills in time. You are going to pay off all the outstanding debts on your credit cards. You are not going to apply for any more credit. You are going to make sure that your spending limit is about 20% of your credit card limit. That is going to be very helpful in helping you meet your credit card debts. All your bills can be paid very easily if you limit your spending on the credit cards.
These Credit repair secrets are amazingly helpful to raise your credit score on Credit score scale. These come under the commonsense category so they can be easily implemented. Nevertheless a large number of people would rather go to some fly-by-night operators who promise to raise their credit score with their own special Credit repair secrets. These are the Credit repair fixes being used so why cannot you use them yourself?
Apart from these steps you might want to look at other easy to implement Credit repair secrets. This secret pertains to your credit report. First of all you have to check your credit report carefully. It means that you should have a detail of your charge-offs, payments, late payments, collections, bills paid, etc. at hand. That is when you can see that some negative listings like charge-offs, late payments and bill payments as well as credit card collections and other payments belong to you or not.
If you find something which has been listed and does not belong in your credit card statement protest and dispute it immediately. These Credit repair secrets are instrumental to raise your credit score on your Credit score scale.

Know credit repair secrets to raise your credit score. Visit to know more about credit repair secrets.

What is a good credit score to have?

I’m just wondering what is a good credit score to have because I have been in debit with a credit card, $ 1500 or so but I paid it all off. I have a few small debits like $ 81 for hospital I never paid. I still owe $ 2100 on one card.

What is a good score to have?

Is it higher the better or lower the worse?

please and thank you

A “good” score is anything ABOVE 720. That should answer both of your questions.

Fix Bad Credit Repair Bad Credit Bankruptcy Do It…

March 30th, 2011 by admin

Don’t you ever feel that’s the only thing you can think of? While driving, at work, talking to people, anywhere you go your mind just fixates into ‘fix bad credit repair bad credit bankruptcy do it’. Wouldn’t you like that to stop? I know more than a couple of million people who do.

Having bad credit is terrible; it’s like having a leash around your neck every time you go to a mall, look at a commercial or read an ad. There are ways to get out of a bad credit situation but they tend to be difficult, so you should be prepared.

Important Facts

Did you know that three out of ten credit reports have erroneous data on them? Yes sir. But then again, with all the amount of information that floods the three credit bureaus – TransUnion, Equifax, and Experian – one, two, or three mistakes isn’t that uncommon. Plus they don’t get anything for maintaining correct records. They are just being paid to maintain the necessary data, whether it’s accurate or not.

Having said that, you are free to call them, review your credit reports, locate your problem, and solve them. Did you know that if you have had credit denied you are entitled for a free credit report? Aren’t things starting to look better? The phone numbers are listed in any phone book or you can just ask your bank for them as well.


Having bad credit isn’t like having just a bad taste in your mouth; it’s the real deal. Banks and any other financial institutions will look at you as a risk, making them think many times before they grant you credit, resulting in denied credit most of the times. For this matter you must begin fixing your bad credit as soon as possible.

You can start any time to fix your bad credit; the sooner the better. That is just a piece of information on the process of repairing your credit as Joshua Mann has it all on his website Visit and learn the best techniques to refine your credit.

How long would it take to fix your credit score it you had bad credit?

If you had bad credit..example if you had a credit score number in the high 500′s. If you paid off all your old debt at once and continued to pay your bills on time every month. About how long would it take for your credit score to go up to a good number? After paying off all your debt is there anything you can do to fix your credit faster?

Pay on Delete.
If you pay a one time charge such as a medical bill, the item can be removed from your credit report immediately.
This does not work for credit card bills – only one time charges.
You must ask for this and you must do it right.
Google pay on delete.
Or get a book called (from your library)
Credit and Debt Repair for dummies
This book and similar ones have all the tricks and tips on how to repair your own credit like a PRO.

Never, under any circumstances consider paying any company to do this for you.
It’s very easy to repair credit with the help of super easy to understand books…

Average Credit Score

March 30th, 2011 by admin

Why would one need to know the average credit score? Because they want to know how they compare to everyone else in America. As of February 2011, the average credit score is 692. Credit scores are based on a scale from about 300 to 850, with 850 being the best possible score. While the average credit score is 692, approximately 13% of the nation has a credit score above 800. On the other end of things, about 15% of Americans have a score lower than 550.

What is a good credit score you might ask. The credit score most people shoot for is around 720. This is because most lenders will give you their best rates with a score in this range. With all of this being said, one might assume that half of the nation’s population has a credit score lower than the national average. This assumption would be incorrect. As a matter of fact, 58% of people living in America have a score above 700. The national average is lower because it is being pulled down by some really low scores.

Two factors that affect your credit score the most are Payment History and Outstanding Debt. These two factors combined make up for 65% of your credit score. Payment history is determined by your payment patterns to lenders and creditors. This element of your score shows how often you pay your bills or loans back on time. Outstanding debt is the second most important factor of your credit score. The more debt you have outstanding compared to what lenders think you can financially afford, the lower your score will be.



can an average credit score of 610 and really no outstanding debt get an unsecured credit card?

also does it hurt my credit or help me when i get a card? i only have a secured one that ive been great on for 3 years and a car loan that was never late and pay more towards principal. ive been trying to repair my credit and im wondering if now i can get an unsecured card now that everything is pretty much better?

Stop, before you listen to these other guys. I have been working on my credit for a year. A score of 610 is not bad, it’s just not a the high end of th totem pole, but it will get you mainstream credit without having to get a SECURED CARD!

I have an orchard bank card….I got this 4 months after bankruptcy so I know they should either give you a much higher credit limit than $300. or you should try applying with other entities. Try a credit union. Credit unions offer the lowest rates, good friendly service, etc. They also give more personal attention and are willing to extend themselves to you more.

It will not Hurt your credit to get another card as long as you don’t have to many. You will need to have a retail card, a visa or mastercard, revolving loan (car) and perhaps a mortagage -these cover the major things that FICO looks at when scoring you other than how long you’ve had accounts and paying on time.

Check out Stephen Snyder…he helps alot of folks after bankruptcy, but overall he has the inside information on how to buy a car, mortgage and which credit cards offers better deals. Google him….

Good luck.. Let me know how this turns out for you!

How to do bad credit fix repair and to raise your credit score

March 30th, 2011 by admin

Many people are under the impression that a credit score, which has gone down considerably can be magically fixed with amazing bad credit fix repair methods. They are quite willing to give thousands of dollars to fly-by-night companies which are going to raise your credit score on credit score scale. Nevertheless, they do not understand that the easiest bad credit fix repair needs a little bit of calculation. This credit repair secret to raise your credit score comes under just one heading — pay your bills and time. Many people have a tendency of letting their bills go unpaid. After all, a credit score does not matter much to them, does it? Unfortunately, there might come a time when they would need to take out a loan from a bank.
That is when they are going to find that this lackadaisical attitude towards paying bills has shown up in their credit card statement. It means that their credit score has gone down on credit score scale. It also means that they are going to go around looking for bad credit fix repair methods, which are going to raise their credit score magically overnight.
Now that idea is a pipe dream. But there are plenty of companies online, which are going to promise you exactly that. The idea is that they have an amazing bad credit fix repair method, which is going to raise your credit score sky high, within a given period. Well, one can only say that the easiest bad credit fix repair, which can raise your credit score, over a couple of months is clear out all your bills, and then go in for paying off your loans. Target one loan at the time; when you find yourself paying that off, you are going to be motivated to pay off the other loans also. This bad credit fix repair is going to reflect positively on your credit score scale, and if you want to raise your credit score on credit score scale effectively, try out this method.

Raise your credit score through bad credit fix repair methods. Visit to raise your credit score.

What Is the Best Credit card to help fix bad Credit?

What is teh best credit card to get to help fix credit? My Credit score is not good…Like a 550…I Need to get a credit card but no one will approve me! Help!

Go to your bank and ask about a secured credit card. You deposit $x and that is used as collateral for the credit card. Use the card and pay it off in full every month. After 6 months to a year, you’ll be able to get a regular credit card.

If your score is so bad, you should consider cleaning up your credit report. Get a copy of your credit report ( and start with the newest delinquency and work back to the oldest. Negotiate settlements — paid negatives are better than unpaid.

Get any settlement agreement in writing and don’t give them access to your bank account.

Free Guide On Credit Report Repair With Safe And Effective Methods Have The Guaranteed Results

March 30th, 2011 by admin

What is credit report repair ? Credit repair is the process of fixing your credit report through a series of disputes with credit reporting agencies.

Is your credit score far from perfect ? Are you planning on a major purchase or loan but fear being rejected by creditors ? Those who have had their applications for credit, employment or insurance rejected due to bad credit know all too well the woes of having a negative credit report. Do not worry. Nowadays, it is not a surprise to see a drop in credit scores. More than 30 million Americans are in the same boat. However, this does not necessarily mean that you cannot do something about it. It is therefore important for you to strive for a good credit score by having a negative credit report repaired. According to the general myth, there is one sure way to fix bad credit report-time, financial effort, careful budget planning and discipline. This formula has proven to bring a gradual credit score increase.

Everyday, companies target consumers who have poor credit histories with promises to clean up their credit report. The truth is, these companies can not deliver an improved credit report for you using the tactics they promote. It is illegal: No one can remove accurate negative information from your credit report. So after you pay them hundreds or thousands of dollars in fees, you are left with the same credit report and someone else has your money.

The fact is there’s no quick fix for creditworthiness. You can improve your credit report legitimately, but it takes time, a conscious effort, and sticking to a personal debt repayment plan.

No agency, no matter how skilled or seasoned in the credit repair field, can remove a legitimate debt from your credit report. If the debt is valid and the creditor has followed all legal guidelines, the record is there to stay until it is either paid or the creditor stops reporting it

You can remove old accounts and inaccurate information that may be affecting your credit score from your credit records. If there are inaccuracies on a persons credit records or even old accounts that should have been removed after a certain period of time, these entries can generally be removed by simply disputing the item with the credit reporting agency.

The first thing to do is to check your credit report. You can access your report from any of the three credit bureaus namely Equifax, Experian or TransUnion. You are entitled to a free credit report once a year from each of these bureaus

If you have found an item on your credit report that you are sure is inaccurate, you can dispute this item with the credit reporting agency and have it removed.

It is up to you to ensure that there are no errors in your credit report by carefully going through it checking for errors such as typos, outdated information, as well as incomplete or inaccurate account history. Should you find anything that needs correcting, you should list it down in order to dispute it, ensuring that you provide reasons for the dispute as well.

The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Some people hire a company to investigate on their behalf, but anything a credit repair clinic can do legally, you can do for yourself at little or no cost.

If you are serious and want to fix your credit report, be sure you are dealing with a reputable company who has proven results in the field of credit report repair. It is important to know that there are legitimate credit repair agencies out there. If you want to fix your credit report, these agencies can provide you with a great service.

The fist thing you have to figure out is where you stand on the credit scale and where do you have to be.

Contrary to what many people think, a paid collection is still considered a negative item on your credit report. In other words, it still impacts your score negatively. ‘ Deleted ‘ collection on the other hand will instantly raise your score with more than 30 points. How do you delete a collection ? You simply negotiate with the collection agency and promise to pay the settlement amount only if they delete the item from your record.

If you are finding it hard to repay your debts, you may negotiate with your creditors to keep your accounts current and avoid their being reported as being delinquent or bad credit. You may request that they reduce your monthly payments or even change the due dates in order to help you balance out your bills each month

Credit repair report is time sensitive and you have to keep that in mind when you embark on your credit repair program. Taking care of current late payments or bringing down current credit card balances to a healthy balance / credit ratio will produce dramatic change in your score.

Educate yourself about credit report repair Becoming credit smart, the smart first step is to take when considering credit repair programs and services. The choice is up to you. We have helped countless people access the information they need to repair bad credit reports and regain control of their credit status

I reported my credit card for fraud, and the bank put a derogatory mark on my credit report. Is that correct?

I got a letter from a company their credit card database had been accessed illegally and that the credit card I used may be at risk for fraud. They recommended that I contact my bank to cancel the card I used to purchase one of their products online. I called my bank immediately and had the card canceled and had another one issued. Now a month laster I’m looking at my credit report and there is a derogatory mark on my credit report from my bank saying that the card was lost or stolen under 2 of the 3 credit reporting agency’s. .
Is this correct? Do I get penalized for reporting possible fraud to my credit card?

Yes, the notation is correct…but it’s not a black mark against you…it just shows what happened with the status of the account.

That is not factored into your score in any way.

That is the common notation on credit reports, when a card is cancelled due to being lost/stolen.