There is one exception to that rule… If you default on a federal student loan and then bring it current, any negative actions from the late payments disappear. But for all other debts, charge-offs are usually sold to collections, which creates ANOTHER trouble space that causes issues for 7 years. So, letting a debt slip into default is almost a double or triple whammy to your game.
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So when talking about fixing bad credit, there is more to it than just trying to increase a credit score. It is about repairing the errors and omissions in your credit reports. Responsibly managing your credit will help you start working towards a better credit score, but truly fixing bad credit requires that you also focus on the source of the problem.

If you haven’t yet taken care of all your delinquent accounts, it’s the perfect opportunity to negotiate with your creditors to re-age your accounts. Anytime an account becomes delinquent, the creditor or lender reports that status to the credit bureaus. Then it becomes a negative credit report item that lasts for seven years from the date it was incurred.
Serious financial distress can have a lasting impact on your credit. Chapter 7 bankruptcy penalties on your credit report stick around for 10 years. Foreclosure, Chapter 13 bankruptcy and collection accounts remain for 7 years. And if your financial distress led to tax debt, unpaid tax liens can haunt you up to 15 years. But no one wants to wait that long to rebuild their credit. Are you just supposed to put your life on hold?
A trustworthy credit repair company will have no issues supplying you with complete access to all they work they are doing for you. They should be able to give you access to some form of secure online account where you will be able to track the progress they are making.  If you find the company cannot provide something similar to this, chances are they are not equipped to be handling your personal information.
You can also receive a credit limit increase without making an additional deposit after making your first five monthly payments on time. This is beneficial for people who need a higher credit limit and don’t want to (or can’t) tie up their money in a deposit. Also, this card comes with a credit resource center — which is available to everyone — and Platinum Mastercard® benefits that include travel accident insurance and price protection.
If you find mistakes on your credit report, like errors regarding your payment histories, or even mistakes in the spelling of your name and incorrect social security numbers, contact the credit bureaus to correct them. The Fair Credit Reporting Act guarantees your right to dispute listings in your credit report, free of charge. All of the major credit bureaus have online systems in which to dispute errors on your credit report. By law, the credit bureaus have 30 days to investigate and correct the errors.
Set a budget and stick to it. A budget is simply a plan to direct parts of your income to specific expenses. Budgets can be simple or detailed. Determine how much you can comfortably set aside for savings and how much you can reasonably afford to pay of your debts. Try to lower your fixed expenses as much as possible so you can put more money towards fixing your credit.[4]
So when talking about fixing bad credit, there is more to it than just trying to increase a credit score. It is about repairing the errors and omissions in your credit reports. Responsibly managing your credit will help you start working towards a better credit score, but truly fixing bad credit requires that you also focus on the source of the problem.
Once received, the bureau has 30 days to respond. They will contact the original creditor or issuer of the information to ask them to verify the item. If it can’t be verified, then it must be removed. If that happens, the credit bureau will provide a free copy of your report so you can confirm the item no longer appears. You can also request the credit bureau to notify anyone who inquired about your credit in the past six months. And, you can ask them to send a copy to any employers who checked your report within the past two years.
Of these five components, two make up 65% of your credit score – your payment history and debt vs. credit available. As you might guess, your payment history is based on how well you’ve handled credit – that is have you made all of your payments and on time. Debt vs. credit available, which makes up 30% of your credit score is really the amount of debt you have available versus the amount you’ve used. This is called your debt-to-credit-available ratio. Say that you add up all of your available credit (your total limits) and got $10,000 but had total debts of $8500. In this case your debt-to-credit-available ratio would be 85%, which would be too high and would make you look very risky to any new lenders. So a quick way to boost your score is to pay down your debts, which would immediately improve your debt-to-credit-available ratio.
That means that you can also use credit repair to verify if a collector has complete information about your debt. If they don’t, then the bureau removes the collection account from your credit report. If the bureau doesn’t think the collector has enough information to collect, a court is unlikely to either. When you want to use credit repair for this type of strategy, you should work with a professional credit repair service.
By taking a two pronged approach to improving your credit through ongoing management of your credit and through fixing the errors in your credit reports, many people have seen dramatic results in a relatively short period of time. If you simply sit back and wait for your credit score to improve, it may be a number of years before you see a significant shift, but by proactively working to fix your credit, you may see noticeable improvement in your credit score in only a matter of months.
Rent payments are not included in your credit reports unless a special allowance is made to include them. In most cases, rent along with utility payments, never appear on your reports. So, a missed rent payment won’t negatively impact your credit. Court judgments, such as unpaid child support, collection accounts and tax liens all appear as public records in your credit report.a) Missed rent payments
Write the various reporting bureaus with the explanation of your circumstances and ask for removal of the item. If they are not willing to remove the information, you have the right under the Fair Credit Reporting Act to attach personal statement (up to 100 words in most states) explaining the circumstances. Depending upon the type of information reported by the bureau, your credit record and score may be affected up to ten years.
Introducing your teenager to credit as soon as possible is a great way to get them prepared for all the future credit products they’re bound to encounter in life. Practicing responsible credit behavior with a credit card or even as an authorized user can help your teen establish credit, which is necessary for taking out student loans, mortgages and other credit products. Plus, having a good credit score is key to getting the best rates and terms for credit products.
If you download your reports, review and send the disputes that day, you can expect it to take anywhere from 31-40 days. The timing depends on how quickly the bureaus receive your dispute. It will take longer if you need to make disputes in several rounds to the same bureau. If you have more than five disputes to make on one report, you should always send them in rounds, five at a time.
It’s important to note that this is positive re-aging. Negative re-aging is related to debt collection. Basically, if a debt collector gets you to admit that a debt is yours and you legitimately owe it, they can reset the statute of limitations on the debt collection clock. This is actually is illegal and violates your rights under the Fair Credit Reporting Act. If it happens to you, you should contact a collection harassment agency to fight back!
The best way to handle these types of information lines on your credit report is to dispute them but you have to remember that if that isn't done correctly, it is like kicking a hornets nest. Just calling them and saying, "hey, I dispute this." is NOT good enough, regardless of what ANYONE says. It has to be done with a certified, return receipt letter that has been properly worded to prevent the sleezy little buggers from using a loophole. You can find a lot of information out there about how to do this on sites from people like Dave Ramsey or with self help books like Weathering Debt (either one works, but I prefer Weathering Debt, it was much more concise and to the point) but whatever you do, DON'T try to wing it and don't pay someone to do something you can do yourself with ease and for free. Besides, you need to know how to stop the problem from happening again, right?

Bad credit?was it possible to buy a house with bad credit?This was the Question i keep asking myself for years before i finally came across someone who enlightened me.I didn't really get the trick of attaining minimum credit score to buy a house and getting away from bankruptcy,clearing credit card debts and buying a house which is precisely the situation I am in. I had to declare bankruptcy 3 years ago and am working to build back my credit, but it's a very slow process. I need to move for a job and therefore need to buy a new home.Y'all shouldn't pray for such of mess i'm into.The enlightenment by a friend who worked with a repair company taught me how to seek assistance from credit repair expert who knows exactly what your credit score needs and how to get collections removed,get credit card free of debts and and getting off bankruptcy.Get in touch with the above email address and be free of credit issues.


Your best bet is to call and ask to see if they can put you on a payment plan where you can afford to pay them (even if it’s just the bare minimum a month) or if they will possibly settle for less money. A tip: anything that has your name attached (banking account,utility bills, credit cards, anything you finance, student loans, medical bills, car loans, home loans, your apartment, etc) that you miss a few payments on or don’t pay at all can be reported to the credit agencies and sold to collections companies.
Get a copy of your credit report: Knowing what is on your credit report is important – you can’t fix it if you don’t know exactly what is wrong. According to a recent survey by Bankrate Inc., 31% of adults do not know their own credit score. Since this is one of the main factors in a bank’s decision to give you a loan or mortgage, it is a good idea to both know and understand this number.  Trisha cleaned up her act and her credit report:
Month 1 — You have a remaining auto loan and mortgage which you make sure to pay on time every month. You have a remaining credit card from creditor five with 24% interest, but they’ve agreed to a payment plan of $200 a month and 17% interest. You also have one old empty credit card that you’ve had for years and never used. Now you start buying only groceries on that single credit card and pay it off in full twice a month.
Credit scores are very specific to the individual. It is possible for two people to have the same credit scores, but for very different reasons. The only way to know what you need to do to maximize your credit score is to identify the specific items from your personal credit history that are most affecting your personal credit score. If you recently ran your credit with credit scores, review the factors.

I found Spy Stealth’s information while researching getting late payments removed from my credit report. Then sent him a mail for help. It took me by surprise to see the improvement made on my credit report earlier this week. I don’t have much to say, I can only describe him in one word “Awesome”. Contact this genius at spystealth|.|org|@|gmail|.|com.
Radio, television and the internet are full of ads for credit-repair services promising to make your credit problems go away. It's not that easy. Be very wary of for-profit-credit-repair services. These ultimately just add to your expenses and, in the case of debt management services, may cause you to lose control of when and whether payments are actually reaching your creditors.

Credit utilization is the second most important factor in credit score calculations – it’s 30% of your score. It measures the amount of debt you currently hold relative to your total available credit limit. So, if you have $500 in balances and a $5,000 total credit limit, your utilization ratio is 10%. Any ratio higher than 10% starts to drag down your score. That means, maintaining zero balances overall is good for your credit. It also allows you to use credit cards without incurring any interest charges!

But make no mistake, this doesn’t do any of work for you. You still need to identify potential errors in your reports. You enter them into the software and then tell it when you file a dispute (in other words, the software isn’t connected to the online dispute portals for the credit bureaus). So, this is basically a high-tech way to track progress.


know some days ago i said i was going to confirm if superbkinghackss007atGmail was a legit hacker and if he wasn't i was going to pulicly disgrace in every media else i was going to praise him in every media. And i must say I feel ashamed to have doubted him. He's the best there is...i mean he hacked 3 wesites for me, a facebook account, and a bank account (transferring a lot of money to my account), can you imagine that?! he hacked a bank account!!...i'm just so happy right now...('he can also help to boost credit card score)...So i want to say a very big thank you to superbkinghackss007atGmail for the good work and also that i'm sorry for doubting him. So to everyone, If you ever need any hack done, phone hack,website hack, whatsapp hack, bank account hack boost credit limit e.t.c contact superbkinghackss007atGmail plus he's really perfect. Thank me later
Everyone is entitled to one free credit report per year from each of the three credit reporting agencies. Your credit report contains the information used to compute your credit score. It can be obtained by visiting www.annualcreditreport.com(Opens in a new window) or by calling 1-877-322-8228. Your credit score won’t be included in the free report, but can be purchased at the same time your report is pulled for a small fee.

 It still could take a little time. I started from zero with a touch of bad but mostly no credit. I got a rediculous card at first with high interest and monthly and yearly fees. Soon as my credit built up with some payments, yours isnt terrible, mine was in the 5's, I was able to get a better card. Dont spend much of your available credit. REALLY try and keep it lower than 30% and your uliliztion will look better and help your score rather quickly. im my case opening a new account with a higher ballance and transfering my debt to it (15 months 0% interest but was a 3% fee to do it) saved a lot of money over paying a couple of cards at 20-24% interest. If you have a good utilization % then you might even close the old account but if you are looking at a big purchase soon then it may be better to keep it open. Either way, my closing that horrible card actually made my score rise because of the newer better replacement card showing up. Again mine was in the 5's so it took a bit for new expanded credit acceptance but once it did it is currently going up very quick and am almost 700's. Id plan on a year though if you have negative stuff but you are ahead of me with your starting score already. 


An example of when verification can work against you. Let’s say you missed a mortgage payment that you made on time because of an insurance issue. For example, if your flood insurance isn’t up-to-date with the mortgage lender, they increase your payment requirement. If you have recurring payments set up and don’t pay attention to correspondence, then the payment you make won’t cover the requirement for that month. Then they report to the credit bureau that you missed a payment even though you paid on time. Even if you correct the issue with the lender, the credit bureau may count the information as verifiable because you technically missed the payment, even though it was wrong.
If you don’t address the exact cause of your bad credit, the damage is likely to worsen the longer it goes untreated. For example, if you’ve missed a few credit-card payments, repaying at least the minimum amount needed to change your account’s status from “delinquent” to “paid” on your credit reports will prevent your score from falling further. The same is true of collections accounts, tax liens and other derogatory marks — at least to a certain extent.
If you pay a charge-off in full, your credit report will be updated to show the account balance is $0 and the account is paid. The charge-off status will continue to be reported for seven years from the date of charge off. Another option is to settle charge-offs for less than the original balance if the creditor agrees to accept a settlement and cancel the rest of the debt.
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The Affinity Secured Visa® Credit Card requires cardholders to join the Affinity FCU. You may qualify through participating organizations, but if you don’t, anyone can join the New Jersey Coalition for Financial Education by making a $5 donation when you fill out your online application. This card has an 12.35% Variable APR, which is one of the lowest rates available for a no annual fee secured card and is nearly half the amount major issuers charge. This is a good rate if you may carry a balance — but try to pay each statement in full.
For example, assume you have a credit card with a $1,000 limit. It’s a rewards card, so you use it for everything. In fact, every month, you hit your limit. The statement arrives, you owe $1,000, and you send in a check to pay it off. But the credit card company is likely reporting the statement balance each month. So, it looks like you have a $1,000 limit and a $1,000 balance. That’s a 100 percent credit utilization rate.
The downside of these cards as mentioned above is that you can buy merchandise only through the one website or catalog and you must put down a deposit on whatever you purchase. For example, if you were to buy $1000 worth of merchandise you would have to deposit maybe $300 and then finance the remaining $700 on the merchandise card. This will be reported to one or more of the three credit bureaus and will appear as just another credit transaction on your credit report. This will have three important results:
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You might be used to checking out at a store and being asked if you’d like to open a credit card. While these credit cards come with really high interest rates and are great tools to tempt you into buying items you don’t need, there is a big perk to store credit cards: they’re more likely to approve people with low credit scores. Just be sure to only use the card to make one small purchase a month and then pay it off on time and in full. Unsubscribe to emails about deals and don’t even carry it around everyday in your wallet if you can’t resist the desire to spend. Read more here. 
The amount of time varies depending on how fast the credit bureaus respond to your disputes. They have 30 days to respond per dispute. If you have multiple disputes to make with more than one bureau, you may decide to handle a few at a time. As a result, the process generally takes about 3-6 months if it’s your first time going through credit repair.
I am a mortgage officer at a community bank. Knowing the importance of credit I have been helping my daughter to rebuild her credit over the past 11 months. Payment history makes up 35% of your credit score. If you have late payments -a good payment history takes time to rebuild! When I started working with my daughter her credit score was 533 due to late payments on her student loan and a medical collection of $135. I am pleased to say her current score is 754! You may ask how could her score be increased over 200 points in less than a year?
as I have 3 small debits for under $150 each for medical & 2 that are for the court (MUNICIPAL) that are about $1000 in total. so with everything I have a debit of about $1500 total that is killing my credit. was wanting to get a $1000  fixed interest rate Secured credit card at about 5.99%-8.99%. & start paying off Debit, killing 2 birds with one stone. instead of just paying the debit with cash, use a low interest Secured credit card. paying about $200 month then leaving a low balance of $25 on card to continue to get credit once debits are paid in full.
You'll probably have a limited amount of money to put toward credit repair each month. So, you'll have to prioritize where you spend your money. Focus first on accounts that are in danger of becoming past due. Get as many of these accounts current as possible, preferably all of them. Then, work on bringing down your credit card balances. Third are those accounts that have already been charged-off or sent to a collection agency.

Getting approved at the right interest rate on a mortgage isn’t the only reason you should review and repair your credit regularly. We explain the twelve ways that credit repair makes it easier to get the right financing while saving money on everything from utilities to car insurance. Learn all the ways that fixing your credit can help you get to a better place financially.
An example of when verification can work in your favor. Let’s say you’ve had a debt that’s gone through multiple collectors. It’s been bought and sold several times. In many cases, collectors don’t have complete information about the original debt, which is required to verify that the debt is really yours for the amount they say. If you ask a bureau to verify it and the collector can’t provide all the information required, then it must be removed. This can sometimes get a collection account removed, even if it’s legitimately a debt that you originally owed. Basically, you get off on a technicality because the collector doesn’t have complete records.
If an investigation doesn’t resolve your dispute with the credit reporting company, you can request that a statement of the dispute be included in your file and in future reports. You can also ask the credit reporting company to provide a statement to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service, and a dispute on your credit report does not improve your credit score.
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