Comments for Free Credit Reports

Comment on Improving your credit score by Judy

Judy — Sun, 25 Oct 2009 00:06:57 +0000

No, credit card withdrawals will not affect your credit score. Of course, if it will make you over limit it will )

Comment on What is the best way fix bad credit now that I have all of my credit card debt paid off? by admin

admin — Fri, 25 Sep 2009 20:23:49 +0000

In this market renting might be a better option than buying as the ‘re burst’ is over. But if buying look for the ‘distressed home’ or one in foreclosure. Plenty of opportunities for either renting or buying today!

Comment on What is the best way fix bad credit now that I have all of my credit card debt paid off? by Staci

Staci — Sun, 06 Sep 2009 03:50:59 +0000

Pay your household bills, rent on time. Do not be late, if at possible pay early. Assuming u have a mortgage or car payment that will be a good start to build your rating. It takes time.
If you do not have any active credit cards or can’t get one then seek a secure credit card. Be very careful cause the fees they charge to hold the card is outrageous! So if you don’t need them, stay away. Time you will be offered one.
Ck yearly your credit report which is free from all 3 credit Bureaus. Fix immediately any errors which is a pain but worth the effort.

Learn by the past mistakes, don’t repeat them. Learn to save , have emergency fund, and contribute to retirement account. There are no quick fixes, just good decisions and learning to pay with cash vs credit.
References :

Comment on Do credit repair companies really work? by Scott

Scott — Sun, 06 Sep 2009 03:41:59 +0000

That all depends on your situation.

Credit repair companies CANNOT remove accurate information from your credit report, so if that is what you are looking for, then you will be disappointed.

Credit repair companies (legitimate ones) CAN help you optimize your credit score by removing inaccurate information and help you maximize your positive credit accounts.

At the same time, much of this can be done on your own by researching the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and knowing your rights.

You say that all of the negative items are old accounts. Chances are, they are not doing so much damage anymore. What is really hurting your score is the lack of positive credit accounts on your file.

Your future creditors will like to see a nice balance that shows proof that you can responsibly manage revolving (credit cards) and installment (loans) accounts. The best thing to do is pay on time every time and let the passing of time do the rest.

If you are in a hurry and would like to speak with a proven professional that is not after your wallet, check out http://www.thecreditinsiders.com. Or call 866-229-6233 to set up a time to review your specific situation over the phone prior to enrolling or paying any fees whatsoever.

If you like, when you contact The Credit Insiders, you can ask for Scott. That’s me, and I can go over any questions you have in a more private forum.
References :
http://www.thecreditinsiders.com
http://www.thecreditinsiders.com/services.html
http://www.thecreditinsiders.com/resources.html (a great place to learn how to do it yourself)

Comment on Do credit repair companies really work? by L

Sun, 06 Sep 2009 03:05:59 +0000

No, they do what you can do on your own and charge you a fee for it.
References :

Comment on What is the best way fix bad credit now that I have all of my credit card debt paid off? by Ask M

Ask M — Sun, 06 Sep 2009 03:04:59 +0000

see who you can sue back

http://www.creditinfocenter.com
References :

Comment on Are there any websites that really offer FREE credit reports? by John W

John W — Sun, 06 Sep 2009 02:47:59 +0000

Try this one – http://creditreport.imess.net
I use it to check my credit score for 3 years.
References :

Comment on What is the best way fix bad credit now that I have all of my credit card debt paid off? by phoenixlstilwell

phoenixlstilwell — Sun, 06 Sep 2009 02:44:59 +0000

Find out by visiting:
http://www.phoenix-mkt.com
References :

Comment on Do credit repair companies really work? by Spinky spark nut

Spinky spark nut — Sun, 06 Sep 2009 02:40:59 +0000

They work great! Thtat’s why so many people use them and have such great success with them.
References :
daveramsey.com

Comment on What is the best way fix bad credit now that I have all of my credit card debt paid off? by mrsdeli

mrsdeli — Sun, 06 Sep 2009 02:28:59 +0000

You need to establish good credit. Get a secured credit card. That is a credit card that you deposit any amount in the "bank". Use the card for minimal purchases and pay the entire bill on time each month. After about 12 months you will establish better credit. Another good way is to get a credit card for your local gas station.
References :