I have spent the last three months looking at reviews getting mixed feelings with all thats going on here but i went ahead and called around and I must agree other places seem so sketchy compared to Reliant Credit Repair, they were so nice and so helpful and did the consultation right then and there for free and even told me that I didnt need their services, gave me free advice and told me exactly what to do and how to do it and now my credit literally went up for 60 points. I filed bankruptcy and had no open accounts all my accounts were included in bankruptcy and my 7 year mark is coming up in september, My wife on the other hand needed their services and signed up with them and seriously so far so good. we are very happy!
If your average monthly income for the six-month period leading up to your bankruptcy filing is less than the median income for the same-size household in your state, you automatically qualify. If your income is above the median, you must pass an additional means test that compares your income to specific monthly expenses to prove you have little to no disposable income.

Conduct some research on attorneys ahead of time. Read reviews online and consider meeting with more than one attorney in your area. Your bankruptcy attorney will help put together the forms required to file Chapter 13. This includes a bankruptcy petition, debt and income schedules, and a Chapter 13 repayment plan you have worked on with your attorney to create.
You can apply as a non-member online to get a decision before joining. And Justice is unique in that the Student VISA® Rewards Credit Card from Justice FCU is also eligible for the intro 0% for 6 months on purchases, balance transfers, and cash advances. So, if your credit history is limited and you’re trying to deal with a balance on your very first card, this could be an option. The APR after the intro period ends is 16.90% fixed.
Here’s some background to help demystify the process. Your credit score utilizes historical data from your credit report to predict your future risk of default. The information on your credit report is usually an accurate reflection of your financial life. And finally, your financial life is a subset of the rest of your life. So if you’re having hard times, more than likely it will show up in your financial life, credit report and then credit score.
A low credit score won’t necessarily prevent you from getting a loan, but it could impact your ability to get a competitive rate. Most people have credit scores in the range of 600 to 750, according to Experian. For scores that fall within the 300 to 850 range, the consumer credit reporting agency cites a score of 700 or higher as good and 800 or higher as excellent.
If you're living with bad credit, this probably isn't the news you want to hear. The good news, however, is that there are several things you can do right now that will start to improve you credit score. Just keep in mind that there are no magic fixes in the credit world. Credit repair done right takes patience, persistence, and an understanding of how your credit score is calculated. Here are a few ways you can start repairing the damage to your credit score:

A low credit score can affect almost every aspect of your life, and if you've realized that your negative credit is holding you back, you probably would like to do something to change that... and the sooner the better. You'll find plenty of companies that claim they can repair your credit overnight, or guarantee that they can remove any negative item from your credit report, whether accurate or not. If this sounds too good to be true, that's because it is. The truth is that there's no such thing as a quick credit fix.
“Credit repair leverages your legal right to three standards: Credit reports must be 100% accurate, entirely fair, and fully substantiated,” Padawer said. “Too many lesser credit repair companies skip over those last two standards — which involve communicating with your creditors — in favor of depending upon simple credit bureau disputes by themselves.”

Credit reporting companies must investigate the items you question within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider gets notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the investigation reveals that the disputed information is inaccurate, the information provider has to notify the nationwide credit reporting companies so they can correct it in your file.


Many times people who may or may not require surgery consult a surgeon for advice and forget to gather that second opinion from a non-interested party. Logic would dictate that asking a mechanic if there is anything wrong with a car is probably going to result in a repair and a charge. Sometimes all it takes is that second opinion which can save additional surgeries or costly auto repairs in a world where “extra” expense and unnecessary pain simply do not belong. Fast credit repair companies make it sound simple when it comes time for paying the big upfront fee, but the complications often follow.
The Walmart® Credit Card offers a three-tiered cashback program to benefit avid Walmart shoppers. You receive 3% cash back on Walmart.com purchases (including purchases made on the Walmart app), 2% back on fuel purchases made at Walmart or Murphy USA (excluding Murphy Express) gas stations and 1% at Walmart & anywhere your card is accepted. Your cash back will be issued monthly as a statement credit for all earnings during that period. Note: This card can only be used at Walmart Stores, Walmart Supercenters, Neighborhood Markets, Walmart.com, Walmart and Murphy USA Gas Stations and Sam’s Clubs.
Are you thinking that the best way to improve your credit score is through transferring balances multiple times? If you, this tactic will leave you in more debt and a lower credit score. There are numerous fees and rates that vary across companies, all of which are counterproductive. Your path to fast credit repair should include minimal, if any, balance transfers.

According to Kim Cole, community engagement manager at credit counseling agency Navicore Solutions, bankruptcy can make sense when life circumstances cause people’s finances to spiral out of control. Very often, she said, her company works with consumers who have racked up insurmountable amounts of medical debt that they couldn’t pay off if they tried. Other times, bankruptcy is the result of job loss or another unintended loss of income.


In more cases than not, debt consolidation loans don't make sense. They're certainly attractive: the lure of being able to pay off all of your credit cards is a strong one, especially in exchange for a single monthly payment to your bank or credit union at a lower interest rate. It's definitely a tantalizing opportunity, but it's not perfect. Remember, debt consolidation loans are financial products, which means financial institutions wouldn't offer them to you if they didn't make money from them. Here are a few tips to make sure you're not falling into a trap:

Advertiser Disclosure: The card offers that appear on this site are from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all card companies or all card offers available in the marketplace.
If you're hopelessly drowning in debt, know that you can't negotiate any lower interest rates with your credit card companies or creditors, or if the math works out, a debt consolidation loan may be a good decision for you. Similarly, if you're in serious trouble with high interest rates, high monthly payments (that you're having trouble with already), and too many bills, a debt consolidation loan might help. Combined with a debt repayment plan or credit counseling, it can be used to pay off all of your debt at a fraction of their original cost. If it may be a good time to strike, pay it all off, and walk away debt-free. Photo by erules123.
Thrivent: Partnered with Thrivent Federal Credit Union, Thrivent Student Loan Resources offers variable rates starting at 4.13% APR and fixed rates starting at 3.99% APR. It is important to note that in order to qualify for refinancing through Thrivent, you must be a member of the Thrivent Federal Credit Union. If not already a member, borrowers can apply for membership during the student refinance application process.

Our last tip for fast credit repair that we are going to talk about is about removing any financial dependencies with individuals with poor credit. If you are currently tied by a car loan, mortgage, credit card, or any other line of credit with an individual that has poor credit, this can most certainly impact your credit score. On top of this, if you are planning on co-signing or being a guarantor for an individual, both will impair your credit score as well. It has been proven by financial experts and gurus that, through cutting any bad financial connections with other people, it can be one of the fastest ways of credit repair. We do advise to make this decision carefully as it can easily cause turmoil between two people.


I just purchased a home (284K debt) and have two small CC’s (under 2K each) that I put at a high utilization after I purchased the home. Also, I took out a $5,500 loan from my credit union to help with some home improvement. I’ve been making my payments on time and paying more than the interest rates on the CC’s. Aside from this debt, I have a car loan through my credit union that I have been paying on time for over a year and student loans.
Personal loans charge simple interest (as opposed to credit cards, which often have variable rates and sometimes have different rates for a credit card balance transfer and purchases on the same card) and they typically have a loan repayment term of three to five years. By consolidating your credit card debt into a personal loan, you’ll have a definite plan for paying off your old card debt.
SoFi has taken a radical new approach when it comes to the online finance industry, not only with student loans but in the personal loan, wealth management and mortgage markets as well. With their career development programs and networking events, SoFi shows that they have a lot to offer, not only in the lending space but in other aspects of their customers lives as well.
I have approximate $15,000 in high interest credit card debt and just spinning my wheels making minimum monthly payments. My credit is borderline fair/good. Would credit counseling help me pay this off quicker?? I just recently leased a brand new car for 3 years and when the time comes to trade it in or finance it and keep it I want my credit to be okay to do so. What do you recommend for me??
What is it? Home equity loans are for a fixed amount of money for a fixed time and at a fixed interest rate — but they are secured by your home. That means your home is collateral, and if you default on your loan, the lender may foreclose on your home. You can borrow a certain percentage of your home equity. That’s how much your home is worth minus how much you owe on the mortgage.
At Pinnacle Credit Management we bring to you fast credit repair services unlike any other company around. We know how hard the search for the right credit repair company can be. We are a trusted company and have local offices in the San Francisco Bay Area, New Jersey, and New York City. We want to prove that we are the best in the business so we offer a totally risk-free, no obligation guarantee! If we are not able to improve your credit we will refund all of your money no questions asked! Your relationship and our reputation are important to us. We strive to build your credit score fast so you can achieve your financial goals. We want to be remembered as the company that changed your life!

What is it? A 401(k) loan is when you borrow money from your existing 401(k) plan to pay off debts. The amount you can borrow is limited to the lesser of $50,000 or 50% of your vested balance. After you withdraw the money, a repayment plan is created that includes interest charges. You typically have five years to pay off the loan, and if you take out the loan to buy a house, your term may be extended to 10-15 years.


So, the first thing you should do is assess the damage by looking at a current credit report issued from one (or all) of the three major credit bureaus. Under the Fair and Accurate Credit Transactions Act, every American has the legal right to receive one free report from each one of the companies per year, which will save you some money on processing fees. You can get access to each one at the site annualcreditreport.com.

How it works: You can add your teen as an authorized user to your account by logging in to your online account or calling the number on the back of your card. The information required typically includes their name, birthday and SSN. After adding your teen as an authorized user, they will receive their own card that is linked to your account. They can use their card to make purchases just like you would.
Millions of Americans are suffering from dinged-up credit: the lingering result of the recession, the lack (until recently) of real increase in wages, the economy's sluggish growth. But a strong credit score is the backbone of an individual's financial health, and its importance goes beyond simply getting a low interest rate on a loan. A driver's credit score, for instance, is a major factor in pricing auto insurance.
While your credit score may suffer if you’re falling behind on monthly payments before you get your debt management plan set up, starting your plan should provide some relief. Your credit score should increase as you begin making regular monthly payments and your debt balances drop. Experian does note that you may see some negative side effects when accounts are closed, usually due to changes with your credit utilization rate or credit mix.
If you use the second method — and this if the first time you rehabilitated the student loan — the default associated with the loan will also be removed from your credit reports. Although the late payments associated with the loan will remain for up to seven years from the date of your first late payment, having the default removed could help your score.
Credit utilization is the ratio of your account balance to your spending limit. It basically indicates whether you are using too much credit, which, for the purpose of maintaining good or excellent credit, is generally above 30% of what’s available. The ratio is calculated for each of your credit cards individually as well as for all of them collectively. The lower your credit utilization ratio(s), the better it generally is for your overall credit score.
"I then added her to 3 of my credit cards as an authorized user. I choose the oldest with high credit limits.(I did not give her the cards to use-only added her as an authorized user for my own protection) BEFORE being added as an authorized user be SURE you know the credit history and habits of the owner of the account. If there is a late payment on their account this will be reflected on YOUR credit history!"

If you are a candidate for Chapter 13 bankruptcy, you will need to complete mandatory pre-filing credit counseling with an approved credit counseling agency. The cost of this type of credit counseling session is typically $50 to $100. During this meeting, a credit counselor will go over your finances, including your debts and your income, to counsel you on your options.


If your credit score is pretty good, but not good enough to get you the interest rate you want, you may be able to improve it by taking out a small loan and repaying it as promised – in other words, by adding some positive activity to your credit history. Also, because installment loans add to your mix of credit, obtaining one might improve your score.
If you are struggling to pay off multiple credit cards, consolidating your debt may allow you to reduce your interest rates and lower your monthly payment. However, a lower monthly payment can mean a longer repayment term and more interest paid over the life of the loan. Whether you should consolidate your credit card debt depends on your individual circumstances and the terms of the consolidation.
Getting a bump in credit limit on one of your existing cards has a similar effect as getting a new credit card on your credit utilization but is even quicker and easier. Another plus: While you may not get as much of a credit limit increase as with a new card, your credit score will also not suffer the new credit card ding and will benefit from the age of the existing account.
If you’re making little to no progress repaying or transferring balances or consider yourself to have a severe debt problem, then you may want to reach out to a reputable credit counseling agency or debt consolidation company. They can talk to you about a  debt management plan and other credit resources that may be available to you as a consumer to help pay off your debt.
Despite the rosy national picture, we see regional and age-based disparities. A minority of Southerners still rank below prime credit. In contrast, credit scores in the upper Midwest rank well above the national average. Younger consumers struggle with their credit, but boomers and the Silent Generation secured scores well above the national average.

Credit card companies make balance transfer offers because they want to steal business from their competitors. So, it makes sense that the banks will not let you transfer balances between two credit cards offered by the same bank. If you have an airline credit card or a store credit card, just make sure you know which bank issues the card before you apply for a balance transfer.


Those are some primary areas to focus on for quick credit repair when you need to get a bump up in your credit score. These areas will help move the needle a little, if done effectively. But to make real, substantial changes in your credit score and history will take some time. To get an honest assessment on your current credit health, it might makes sense to start with a credit consultation from a professional credit repair firm.

While Credit One is not as predatory as First Premier or payday loans, there is really no need to be using it to rebuild your credit score. Credit One makes it a bit tricky to get to its terms and conditions without either going through the pre-qualification process or accepting a direct mail offer. You’ll see this when clicking to look at its credit card option.
Typically this is how these companies work: Instead of obtaining a new loan to pay off your credit cards, the debt management company tries to negotiate with the credit card companies to reduce your interest rates or otherwise lower your monthly payments. Each month, you make a single payment to the debt consolidation firm and it distributes a portion of your payment to each of your creditors. Usually, it also keeps a portion (or sometimes all) of your payment to cover its own fees.
If the debt is due to drop off of your report in the next several months because it is almost seven years old, consider waiting until then to pay it, as it will have no affect on your score once it disappear. If the debt shows as written off but will still show on your credit report for longer than a few months, collect all of the funds together to completely pay it off before making contact with the lender. That way, you will potentially re-activate the debt but will also show payment in full, which will minimize the damage to your score.
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.
Checking your credit report on a periodic basis, at least annually, is a good way to catch any instances where you might be the target of identity theft – or the credit bureau has accidentally mixed up your history with someone of a similar (it happens more than you'd think). If you are concerned about others accessing your credit report without your permission, you can freeze it, which will limit who can access the information and under what circumstances. If you think you are a victim of identity theft, contact your local law enforcement authority immediately.

Throughout much of 2007 Fair Isaac Corp, credit card issuers, and consumer rights groups battled over the proposed elimination of authorized user credit score benefits. In the end Fair Isaac implemented a software update that has effectively blocked benefits of brokered accounts while allowing legitimate family member accounts to continue to reap the awesome score benefits of authorized card memberships. The bottom line is that if you are trying to rebuild your credit and have a sympathetic family member with perfect credit who is willing to add you to one of their good, low balance accounts you can see a dramatic score boost in about sixty days. This can be a great credit repair blessing.
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.
In general, you should try to keep credit card balances low. When you consolidate the cards you’re consolidating will have much lower credit utilization ratios, but your overall ratio will remain the same. However, the lower interest rate you’re paying during the introductory period means you can pay more toward your balance each month, helping lower your overall credit utilization more quickly.
Survey of Consumer Expectations, © 2013-2017 Federal Reserve Bank of New York (FRBNY). The SCE data are available without charge at http://www.newyorkfed.org/microeconomics/sce and may be used subject to license terms posted there. FRBNY disclaims any responsibility or legal liability for this analysis and interpretation of Survey of Consumer Expectations data.
"Financial companies love profitable customers who run up their credit card balances, right? One might think," says Randy Padawer, vice president of credit services at LexingtonLaw. "But interestingly, that same industry penalizes consumer credit scores as a direct result. To ensure a good credit score, never max out your credit cards. For an even better score, keep balances as low as possible."
The testimonials and results provided, although exciting, are provided for illustrative purposes only and are not typical, your results will vary. We promise only to perform the work agreed to in the terms and conditions of our retainer agreement with you, the client, and to charge each month only for work already completely performed. As with any legal services, no specific outcome is promised or guaranteed. The services of YourCreditAttorney.com, backed by Centurion Law Firm may not be available in all states. No guarantee of, nor representation that YOUR credit score will increase is made by these illustrative past results, your credit can only be improved in accordance with federal laws requiring the information on your credit report not be inaccurate, unverifiable nor misleading. YOUR RESULTS WILL VARY.
With our rapid reporting cycle-assignment process for new accounts, most new accounts receive the next available statement cycle date and are reported to the credit bureaus between 2 - 10 days after the complete application is approved and the total refundable deposit received.  Your Annual Fee will be billed and reported to the bureaus as a performing balance in the first complete statement billing cycle to speed the reporting of credit activity.
The Target REDcard™ Credit Card offers great perks that are sure to please frequent Target shoppers. You receive 5% off every eligible transaction made at Target and Target.com. The discount automatically comes off your purchase — no redemption needed. Other benefits include free shipping on most items, early access to sales and exclusive extras like special items, offers, and 10% off coupon as a gift on your REDcard anniversary each year.* Recently, cardholders received early access to Black Friday deals. Reminder: This card can only be used at Target and on Target.com.
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