repair credit score

September 29, 2009

How To Repair Credit – A Brief Report

John Robbins asked:


Are you looking for a way to dig yourself out of mounting debt that just seems to keep getting worse? You’re first instinct may be to hire someone to fix the problem, but if you’ve already got financial problems this might not be the best choice. Why not try to find out how to repair credit and do it yourself?

If you’ve got credit issues, sometimes it can feel like you’re in over your head. It can be very hard to pay back your loans on time while staying caught up on your regular bills as well. If this sounds like your situation, you probably don’t know where to turn to for help. If you’re a very self reliant person you may not want any help at all, and first try learning how to repair credit on your own. This can be an excellent move because no one is going to be more motivated in figuring out how to repair credit than you, since it’s your credit standing that’s on the line. Only you can undo the damage to your credit score.

The first step in learning how to repair credit is figuring out how much debt you owe in total. Make up a list of all the outstanding debts you have along with who they are owed to. Getting all your debts accounted for is essential – if you’re disorganized to the point that you don’t even know how much you owe, it’s going to be very difficult to do anything about your situation. You really can’t skip this step if you hope to learn how to repair credit.

Next you’ll want to get a copy of your credit report from one of the three major credit bureaus – Equifax, Experian or TransUnion. You can obtain them for free once a year. When learning the basics of how to repair credit this step is also crucial since you need to know which debts to focus on first. You’ll also want to look over them for any mistakes, which are actually quite common to find, so that you can dispute them. Obviously you’ve got enough issues without being penalized for debt you don’t really owe.

If you can’t find any prominent errors, the next step in how to repair credit is to research your options. Debt consolidation is a common route that many people take. This involves a debt consolidation company acquiring all your outstanding debts and then allowing you to pay them one monthly payment at a lower interest rate.

Also you will probably want to research the Credit Repair Organizations Act. It protects you from credit repair organizations which falsify their claims or attempt to bill you before you’ve received their services.

Another thing you can do if you want to know how to repair credit is to apply for a credit card. This might sound like the last thing you want to do, and of course the annual fees and interest rates are going to be quite high, but if you can be responsible and make your monthly payments, it can go a long way toward repairing your credit score.

The most important step when it comes to how to repair credit is learning financial responsibility. There’s no point in going to all this trouble to correct your credit rating if you’re just going to get right back into hot water. For many this can be quite hard and budgeting yourself so you stay within your means can be a lot of work. One thing that might help is debt counseling, which instructs how to stay on top of your finances.

In conclusion, I hope this article has provided some useful information in regards to how to repair credit. It can be a wonderful feeling of accomplishment when you’ve arranged to get out of debt once and for all.



Christian

September 21, 2009

From Credit-man to God’s-man: Believe, Love and Make Friends. – This is not About Credit Repair, Credit Score, Credit Repair, Id Fraud or Mortgage

Mike Samadi asked:


Doesn’t matter who you are, first you are a human. God’s creation, and God’s gift to the world. Whether you believe in him or not, we are all brought to this world (born) to serve our purpose, to live and experience the ups and downs of life, to cry and laugh, to share the same with others. You know that this life’s eternity is not promised to anyone. What we do on earth is the reflection of how we want to be treated. As we leave this world, some of us want to be remembered for our good deeds and some may not want to be remembered at all. The choices are yet our own.

Whether you believe in God or not, whatever your goal in life is, I hope the article below puts tears of JOY, LOVE and HOPE in your eyes, heart and mind. I hope it pushes you closer to your friends and brighten your days as you’ll do the same for others. My repeated message has been “Do to others as you want to be done to you.”

The following article has no mention of finances, credit repair or credit score. It is all about you, the God’s creation and your love for another human being.

Best of luck.

Mike Samadi

THE OLD FISHERMAN

Our house was directly across the street from the clinic entrance of Johns Hopkins Hospital in Baltimore . We lived downstairs and rented the upstairs rooms to out-patients at the Clinic.

One summer evening as I was fixing supper, there was a knock at the door. I opened it to see a truly awful looking man. “Why, he’s hardly taller than my eight-year-old,” I thought as I stared at the stooped, shriveled body.

But the appalling thing was his face, lopsided from swelling, red and raw Yet, his voice was pleasant as he said, “Good evening. I’ve come to see if you’ve a room for just one night. I came for a treatment this morning from the eastern shore, and there’s no bus ’till morning.”

He told me he’d been hunting for a room since noon but with no success; no one seemed to have a room. “I guess it’s my face. I know it looks terrible, but my doctor says with a few more treatments…”

For a moment I hesitated, but his next words convinced me: “I could sleep in this rocking chair on the porch. My bus leaves early in the morning.” I told him we would find him a bed, but to rest on the porch.

I went inside and finished getting supper. When we were ready, I asked the old man if he would join us. “No thank you. I have plenty” And he held up a brown paper bag.

When I had finished the dishes, I went out on the porch to talk with him a few minutes. It didn’t take a long time to see that this old man had an oversized heart crowded into that tiny body. He told me he fished for a living to support his daughter, her five children and her husband, who was hopelessly crippled from a back injury.

He didn’t tell it by way of complaint; in fact, every other sentence was prefaced with thanks to God for a blessing. He was grateful that no pain accompanied his disease, which was apparently a form of skin cancer. He thanked God for giving him the strength to keep going.

At bedtime, we put a camp cot in the children’s room for him. When I got up in the morning, the bed linens were neatly folded, and the little man was out on the porch.

He refused breakfast, but just before he left for his bus, haltingly, as if asking a great favor, he said, “Could I please come back and stay the next time I have a treatment?

I won’t put you out a bit. I can sleep fine in a chair.” He paused a moment and then added, “Your children made me feel at home. Grownups are bothered by my face, but children don’t seem to mind.” I told him he was welcome to come again.

And on his next trip he arrived a little after seven in the morning. As a gift, he brought a big fish and a quart of the largest oysters I had ever seen. He said he had shucked them that morning before he left so that they’d be nice and fresh. I knew his bus left at 4 a.m. , and I wondered what time he had to get up in order to do this for us.

In the years he came to stay overnight with us there was never a time that he did not bring us fish or oysters or vegetables from his garden.

Other times we received packages in the mail, always by special delivery; fish and oysters packed in a box of fresh young spinach or kale, every leaf carefully washed. Knowing that he must walk three miles to mail these and knowing how little money he had made the gifts doubly precious.

When I received these little remembrances, I often thought of a comment our next-door neighbor made after he left that first morning. “Did you keep that awful looking man last night? I turned him away! You can lose roomers by putting up such people!”

Maybe we did lose roomers once or twice but, oh! If only they could have known him, perhaps their illness would have been easier to bear. I know our family always will be grateful to have known him; from him we learned what it was to accept the bad without complaint and the good with gratitude to God.

Recently I was visiting a friend who has a greenhouse. As she showed me her flowers, we came to the most beautiful one of all, a golden chrysanthemum, bursting with blooms. But to my great surprise, it was growing in an old dented, rusty bucket. I thought to myself, “If this were my plant, I’d put it in the loveliest container I had!”

My friend changed my mind. “I ran short of pots,” she explained, “and knowing how beautiful this one would be, I thought it wouldn’t mind starting out in this old pail. It’s just for a little while, till I can put it out in the garden.”

She must have wondered why I laughed so delightedly, but I was imagining just such a scene in heaven. There’s an especially beautiful one, “God might have said when he came to the soul of the sweet old fisherman. “He won’t mind starting in this small body.”

All this happened long ago — and now, in God’s garden, how tall this lovely soul must stand.

The LORD does not look at the things man looks at. Man looks at the outward appearance, but the LORD looks at the heart.”

Friends are very special. They make you smile and encourage you to succeed. They lend an ear and they share a word of praise. Show your friends how much you care.

Pass this on, and brighten someone’s day.

Nothing will happen if you do not decide to pass it along.

The only thing that will happen if you do pass it on is that someone might smile (or cry like I did…)~ because of you!

**********************************************************************************

Friends are special Hugs from GOD!

The Author of “the Old Fisherman” is someone other than Mike Samadi. They have no affiliations

Any questions?  Go to Q & A of www.MasterCreditRepair.net, read and post.  Go to the “Comment” page and post your story or comment.

 



Warren

September 18, 2009

How to Repair Credit After Thievery

Nick Tart asked:


With a growing number of credit threats, now more than ever, people need to be concerned with the accuracy of their credit reports. Identity theft is the leading cause of bad credit. People are increasingly becoming victims, which leaves them with a bad credit rating.

 

The first step in getting your credit back on track is to obtain a copy of your credit report. You may not even know if your identity has been stolen unless you take a look at your credit report. Faulty purchases do not always turn up as suspicious behavior. If your credit is compromised by someone else using your credit cards, there are a few things you can do to get those purchases taken off your credit report.

 

Let us say you are looking over your credit report and you find some questionable items. You should clearly identify each item in your report you wish to dispute and write a well-documented dispute letter to the credit bureaus. They are required by law to investigate your credit report and remove any items that they cannot verify with proof.

 

Also make sure to keep good notes on each detail of your dispute for your own records. If the credit bureau fails to delete those questionable entries on your credit report, you can always resubmit your dispute. If you truly believe that something is incorrect on your credit report, be persistent. Nowadays, your credit rating is just as, if not more important than actually having money when you want to make a costly purchase.



Antonio

September 11, 2009

What is a good credit repair company?

c-limeade asked:


I am aware that I can do this myself but I don’t have time to do it myself. Can anyone refer me to a good legit credit repair service. This question is ONLY for people who have used a credit repair service so please don’t answer if you haven’t used one. I don’t have any bankrupt or liens or anything that serious, but I do have a lot of collection, late payments, 1 charge off, and 1 repossession and a lot of inquires.

Christina

September 8, 2009

How can I pursue action against someone who stole money from me in exchange for “credit repair”?

Aline B asked:


Nearly a year ago I paid someone to repair my credit. She is licensed. I have a written contract. She has done nothing to help my credit and will not respond to email or telephone inquiries. How can I report her to state licensing agencies (Texas) and the credit bureaus?

Cody

September 7, 2009

Can anyone recommend a mortgage company that does credit Repair?

jawsnu7 asked:


I would like to refinance my house and I have some negative or bad credit issues. Can anyone recommend a good Mortgage company that can do both (Refinance and Credit Repair? )
Good advice appreciated.

Howard

September 4, 2009

What are the important points to be consider before starting credit repair ?

Filed under: Other - Education — @ 11:00 am
claudia asked:


What are the important points to be consider before starting credit repair?

Stephanie

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