Yossi has truly been a blessing in my families life he has helped my whole family. He helped my wife and I come from the low five hundreds to the high seven hundreds. Because of Yossi and credit repair we have bought three cars brand new and this year we are working on buying a house with his help. I truly recommend him for all who are looking to have someone on your side who truly cares about helping you have the finer thing in life.
Like credit builder loans, secured credit cards are an easy way to build or rebuild credit history. The application process is the same, but secured credit cards require a deposit between $50 and $300 into a separate account. The bank then issues a line of credit that is typically equal to the deposit, allowing you to build a credit history without putting the lender at risk.
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.

We saw probably the most amazing show on the planet at the Robot Restuarant (I won't spoil it for you.), ate at vending machine restuarants, slept in 5 star hotels and in cool tiny manga cafes.  We got kimonos for pajamas, song karaoke where we made a couple of Japanese friends, shopped at the 100 yen shop, rode the most fun metro system around and saw the Tokyo Tower.  We had the most amazing time of our lives for free!
On your journey to repair credit fast, we would like to interject and recommend that you take your time. When you rush or try to expedite credit repair, it opens the doors to errors and mistakes. Now that you have all the basic principles and the best tips on how to repair credit fast, take advantage of this material. Begin implementing new ideas and tactics and see how your credit responds. Be sure to visit other pages on our website so you can learn the very best information and stay up-to-date with Fast Credit Repair.
If your wallet is stuffed with multiple credit cards staying on top of your accounts is probably a hassle you could do without. Keeping track of balances and due dates takes some elbow grease, and then there's the not-fun monthly ritual of figuring out how much you can afford to pay on each card. The good news is that if you are currently juggling a few cards with balances, you may be able to streamline your credit by consolidating your credit cards.
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A financial institution such as a credit union, which typically issues credit builder loans, deposits a small amount of money into a secured savings account for the applicant. The borrower then pays the money back in small monthly installments — with interest — over a set period of time. At the end of the loan’s term, which typically ranges from six to 24 months, the borrower receives the total amount of the credit builder loan in a lump sum, plus any interest earned if the lender offers interest.
Your debt doesn’t qualify for bankruptcy. Not all types of debt qualify for bankruptcy, which is why it’s not a solution for everyone. Cole said her company receives many inquiries about student loan debt because many people don’t realize student loan debt is not dischargeable in bankruptcy. Other types of debt that do not qualify for bankruptcy include alimony, child support, most taxes and debts resulting from fraud.

And many lenders won’t give credit to people with a history of recently missed payments on other credit accounts (with "recently" translating to two years back). Missing enough payments that your account is turned over to a collection agency is another sure way to tank your score, not to mention limiting your access to affordable credit – or make it cost more than it should.


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?

A major driver of increased scores is the decreased proportion of consumers with collection items on their credit report. A credit item that falls into collections will stay on a person’s credit report for seven years. People caught in the latter end of the real estate foreclosure crisis of 2006-2011 may still have a collections item on their report today.
bad idea they kill you in fees and unsecured does nothing for your credit . I found a jewery store on line that has you put %50 down and then make payment on the rest . and they report it . unsucured credit cards are bad news they don't help just make the banks alot of money . for example the person said transfer to a better card and leave the old one open . yeah if you want to pay a bunch of monthly and yearly fees .
I have two credit cards, one from a credit union with just over 10% interest and one from Chase with 9.99% interest. I just asked the credit union to increase my credit line to $20k so I can consolidate the two, as I thought it’d be best to keep my credit union account. I have a credit card through Wells Fargo that has an $18k limit, but it’s zero’d out and I don’t use it. Will this hurt my credit score? It’s in the mid-700’s.

People typically consolidate credit card debt if they have debt on high-interest credit cards and are incurring high-interest charges. By consolidating credit card debt, they can potentially save a great deal of money on interest payments and get out of debt sooner than if they left their debt on high-interest credit cards since more of their payment will go toward their principal balance.


The Discover it® Secured isn’t like most secured cards — it offers a cashback program and a simple transition to an unsecured card. Starting at eight months from account opening, Discover will conduct automatic monthly account reviews to see if your security deposit can be returned while you still use your card. Unlike most secured cards that lack rewards, this card offers 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases. And, Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched. This is a great added perk while you work on building credit.

One of the biggest pitfalls of debt consolidation is the risk of running up new debt before the consolidated debt is paid off. When you finish paying off credit cards with a consolidation loan, don’t be tempted to use the credit cards with their newly free credit limits. If you think you might, close the accounts. You may have heard that doing so could hurt your credit score, and it might. But you can recover from credit score damage much more easily and quickly than you can recover from crushing debt.
Each time you apply for credit is listed on your credit report as a “hard inquiry” and if you have too many within two years, your credit score will suffer. In general, a consumer with good credit can apply for credit a few times each year before it begins to affect their credit score. If you’re already starting with below-average credit, however, these inquiries may have more of an impact on your score and delay your ultimate goal of watching your credit score climb.
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