This is a great company to work with. Friendly staff and very helpful. I provided them with my filled out form, and they were able to analyze my credit score. They provided sound advice and I was able to raise my score with a few tweaks. Gave their # to a couple of friends that I have heard had great success as well. Talk to the experts at Quick and Easy! They will help make you look good.

So when I came across Brandon's system my credit was in SUCH bad shape. I knew that I didn't want to pay a credit repair company but I also was more then a little intimidated to try to take it on myself. When I stumbled on Brandon's video I felt excitement but also that caution of this feels "too good" to be true. I thought to myself you are either going to pay credit repair agencies hundred of dollars or spend a fraction of the price to test this system, so I bought the program. The videos were very simple to follow and easy to understand and I'm excited to say that after sending my first round of letters my credit score went up 88 points!!! Honestly I didn't know truly how significant that was until I talked to one of my friends who had been working with a credit repair agency for months and had only seen a 50 point jump in his credit score o_o I'm excited to send round 2 of the letters and get my credit score up even higher! BIG THANK YOU TO BRANDON!
Consolidating credit card debt allows you to develop an effective repayment strategy so you can get out of debt faster. At the same time, you minimize interest charges, which reduces your total cost and can lower your monthly payments. But debt consolidation is not a silver bullet. It won’t work in every situation and if it’s used incorrectly, it can actually make a bad situation worse.
What's more, each time you apply for credit, the potential lender will check your score. Each time your credit is checked, other potential lenders worry about the additional debt that you may be taking on. Sometimes, the act of opening a new account, or even applying for one, can lower your score. Having lots of recent inquiries on your credit report dings your score temporarily. So don't apply for cards often, if you want to raise your score, and don’t constantly move your balance from card to card to get a special 0% APR. It will likely hurt your score more than it helps.

This part of your credit score will look at how much debt you have. Your credit report uses your statement balance. So, even if you pay your credit card statement in full every month (never pay any interest), it would still show as debt on your credit report, because it uses your statement balance. This part of your score will look at a few elements:
RELIANT CREDIT REPAIR is the most affordable and has the best reviews. I checked their BBB rating and they are an A! They work fast, comply with the laws and get you the results you need. they even connect you with their affiliates to help you get approvals for CARS, MORTGAGES, AND BUSINESS FUNDING. they also do business credit and personal credit packages. Their lowest plan is their economy plan starting at just 19.99!!
It should go without saying, but, another quick tip for fast credit repair is through focusing on eliminating outstanding debt. Furthermore, if you have outstanding debt, the idea of opening new credit lines should go out the window. It’s more important, as a responsible borrower, to handle the financial matters at hand and eliminate any outstanding debt first. Through taking the time to do this, you can significantly improve your credit score and likelihood of getting approved or credit increases, all of which can help with credit utilization, enhancing your efforts of fast credit repair!

If you want to learn how to repair credit fast, you need to learn how credit score works. There are five different factors that are utilized by credit scoring companies to discover that magical three digital number. What many people do not realize is that, through understanding these five factors, you not only have greater control over your credit score, but now you can begin utilizing credit to your advantage. Here are the five factors used to create someone’s credit score:


If you need money fast, a home equity loan might be a good option. A home equity loan can provide you with a lump sum of money in a matter of weeks; the borrowed amount can then be paid off on a monthly basis for a fixed rate. It can be especially helpful to use this type of loan to help consolidate your current debt. A home equity loan can combine debt from various lenders, such as different credit card companies, and place it into one convenient payment.
Hello Your response was very informative.  I have poor credit is well and want to get into my first home. I want to pay off on my creditors I was with a credit company that helps build your credit and I was paying 80 dollars a month. Not sure if you know but I wanted to ask is there away that I can just pay the creditors directly and just pay it.  It would be from three years ago
Transitioning from a secured to an unsecured credit card: The transition from an unsecured card to a secured card is fairly simple for the cards mentioned below, with many conducting periodic reviews of your account to evaluate if you can move to an unsecured card. And, when you’re transitioned to an unsecured card, you’ll receive your security deposit back. Another way to be refunded the deposit is by paying off any balances and closing the card — though we don’t recommend closing the account since that jeopardizes your credit score.
You also may not want to close your old credit cards, as this can potentially ding your credit scores as well. By keeping your old credit cards open, you will not lower your credit utilization. Your credit utilization counts toward 30% of your credit score, and that’s why it’s important to keep that ratio low — under 30% and, optimally, less than 10% of your credit limits, overall and on individual cards.
The best way to handle this is first pull your credit reports from the three major credit agencies – Experian, Equifax and TransUnion.  And this can be done free of charge once every 12-months through the site AnnualCreditReport.com. Go through each of the reports as thoroughly as possible looking for any inaccuracies, like – incorrect information on collections, judgments, balances, new accounts, and payment history.

A single month afgter opeing, my scores went up 64/68 points, from the 598 range to 665 range.  Keep a low balance or utilization rate of less than 30% (preferrably less than 10%).  Studies show the sweet spot is 1-9%.  Paying on time 100% of the time and knowing the date your card reports the balance to the credit bureaus is the key.  Always pay by the due date and be below 30% (or 10%) on the reporting date.  After as little as 6 months, but usually 12, they will convert your card to UNSECURED, likely with a limit increase and give you your original deposit back.
We all want to get rid of debt. Debt is costly and can prevent us from reaching financial goals (or at least prevent us from reaching them when we’d like to). Some people consider credit card debt bad and mortgage or student loan debt good. The truth is that having any debt means you are financially beholden to a creditor and you can’t put your money in your own pocket until your obligation is met.
Credit scores are calculated from your credit report, which is a record of your credit activity that includes the status of your credit accounts and your history of loan payments. Many financial institutions use credit scores to determine whether an applicant can get a mortgage, auto loan, credit card or other type of credit as well as the interest rate and terms of the credit. Applicants with higher credit scores, which indicate a better credit history, typically qualify for larger loans with lower interest rates and better terms.
This is a great company to work with. Friendly staff and very helpful. I provided them with my filled out form, and they were able to analyze my credit score. They provided sound advice and I was able to raise my score with a few tweaks. Gave their # to a couple of friends that I have heard had great success as well. Talk to the experts at Quick and Easy! They will help make you look good.
Education Loan Finance:This is a student loan refinancing option that is offered through SouthEast Bank. They have competitive rates with variable rates ranging from 2.55% – 6.01% APR and fixed rates ranging from 3.09% – 6.69% APR. Education Loan Finance also offers a “Fast Track Bonus”, so if you accept your offer within 30 days of your application date, you can earn $100 bonus cash.
If you’re financially drowning, of course you can declare bankruptcy. The problem is that bankruptcy is a serious derogatory mark on your credit. It won’t prevent you from getting credit in the future, but for a time some credit products will be unavailable to you and others will come at very steep prices. Also, not all debts can be discharged in a bankruptcy.
Although the number of bankruptcy filings since 2005 seems high, not everyone decides to file bankruptcy to deal with their financial issues. There are other options for consumers who find themselves unable to pay off their debts and facing multiple collections actions, and those other options might be a better choice for some consumers. These options include:
Here is a simple test. (This is not 100% accurate mathematically, but it is an easy test). Divide your credit card interest rate by 12. (Imagine a credit card with a 12% interest rate. 12%/12 = 1%). In this example, you are paying about 1% interest per month. If the fee on your balance transfer is 3%, you will break even in month 3, and will be saving money thereafter. You can use that simplified math to get a good guide on whether or not you will be saving money.

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Anyone who ever had a grandmother or grandfather should know that rushing a family recipe or lovingly-crafted process never works. There are an ingredient and a philosophy that can’t be touched or seen by the human eye but can be only be missed when that special knot doesn’t hold, or the meal flops bigger than a bass on holiday – tradition. Fast credit repair is like grabbing something in a box and expecting it to taste like “grandma used to make.” Unless the grandmother was a chemist and her kitchen was stocked with additives that may or may not put a lab rat down for the count that good, old-fashioned taste is most likely missing. Unfortunately, those who used those “pay-me-now” fast credit repair places and the rodent with digestive issues probably stand about the same chance of being approved for a new credit card. No animals are ever harmed when credit repair is done correctly – it simply takes time.

Consolidating the debt probably won’t hurt your credit scores over the long run, but there could be a short-term impact from the new loan with a balance. So I can’t guarantee that your scores won’t dip when you do this. If your scores are strong enough to get the lease now you may want to go ahead and do that. If not you may be taking something of a chance – it could go either way. Will Debt Consolidation Help or Hurt Your Credit?
Negative credit information is any action that causes creditors to consider you a riskier borrower. It includes late payments, accounts in collections, foreclosures, bankruptcy, and tax liens. Once negative credit information is introduced into your credit history, you cannot remove it on your own. However, time heals all wounds. The longer it’s been since the negative information was introduced, the less it will affect your credit score. In time, negative information falls off your credit history.
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