Credit Improvement

Depending on your situation, you may find it necessary to improve your credit profile. You can improve credit by disputing negative items and working to have them removed from your credit report. Learn more with the articles below.

Can Bad Credit be Deleted?

Despite the fervent proclamations of bureaucrats and credit bureaus everywhere, a simple fact remains: negative credit listings are deleted from peoples' credit reports by the thousands each and every day... Read More

Legal Credit Repair Methods

Legal Credit Repair consists of removing the negative items on a credit report. There are a few different methods of going about this, the most common and effective are: Negotiating directly with creditors and asking them... Read More

Repairing Credit Yourself

The Fair Credit Reporting Act gives you the right to dispute any and all items on your credit reports that you feel classify as inaccurate, unverifiable, or misleading. If the bureaus can not verify that the information on your reports is indeed correct... Read More

Can Credit Repair Companies be Trusted?

Many "credit repair" companies claim to remove negative credit with the flick of a wrist. Their advertisements make bold assertions and money-back guarantees. Can they really make such sweeping guarantees... Read More

The Law is on Your Side

Many consumers have the mistaken idea that credit bureaus are federally supported organizations backed by a vast array of laws meant to protect creditors. Nothing could be further from the truth. Aside from the government simply... Read More

Choosing a Credit Repair Company

Selecting a credit repair company to help you improve your credit score is a big decision. A typical credit repair service will cost you a few hundred dollars and will take up to a year to complete their service... Read More

When is the Best Time to Negotiate With Creditors?

In most cases, it's best to deal with creditors before you actually miss a payment. Creditors are much more willing to work with you if you've paid your bills on time. They're trusting that you'll continue to honor your obligations... Read More

Live Debt Free in Six Easy Steps

No one enjoys being in debt, but unfortunately most folks find themselves in debt at one point in time. There are several steps you can follow to make certain that your debt does not get out of control. By following these six suggestions... Read More