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Welcome to Creditmagic Community. Our community members and experts offer personalized credit solutions to your credit and debt problems. You'll also find resources here on how to manage your credit better and maintain a good credit score. So, whether you're making a decision on credit or you need solutions to your credit problems, feel free to ask questions and let our community help you make the right decision.
Apart from free consumer credit counseling services and credit solutions, our community experts also offer bad credit repair services to help you fix bad items on your credit report. To find out what bad credit repair service is all about, just browse through the section below.
What you can get from our community
- Free consumer credit counseling
- Credit clean up solutions
- Bad credit repair help
- Emergency credit repair tips
Apart from free consumer credit counseling services and credit solutions, our community experts also offer bad credit repair services to help you fix bad items on your credit report. To find out what bad credit repair service is all about, just browse through the section below.
What credit repair service is all about
Bad credit repair services help you to get rid of negative items on your credit report. When you go for a free consumer credit counseling service, the counselors there review your financial situation and identify your credit problems so as to provide you with credit repair help (credit help).
With credit repair help, fixing negative items like late payments, charge-offs and collections becomes much easier. Our counselors and experts negotiate with creditors, collection agencies, and credit bureaus to erase negative listings from your credit report or update the account status so that it doesn't hurt your score as hard as much. This makes you eligible for loans at better rates and terms.
With credit repair help, fixing negative items like late payments, charge-offs and collections becomes much easier. Our counselors and experts negotiate with creditors, collection agencies, and credit bureaus to erase negative listings from your credit report or update the account status so that it doesn't hurt your score as hard as much. This makes you eligible for loans at better rates and terms.
How credit counselors in our community help you
When you go for consumer credit counseling services or seek credit repair help, there are 4 ways the counselors can help you:
- Identify mistakes: The counselors help you identify past credit mistakes to help you repair your credit.
- Counseling to manage debt: Free consumer credit counseling advice enables you to manage your debts so that you can avoid negative items being reported to the bureaus.
- Credit clean up advice: The counselors provide you with credit clean up advice through free credit counseling and forum discussions. Therefore, you'll be able to erase negative items as well as inaccurate information that cannot be verified.
- Emergency credit repair help: You get emergency credit repair tips to build credit fast. This will help you to qualify for loans if you need financial assistance to tackle money problems.
Consumer credit counseling vs Christian credit counseling
The consumer credit counseling help and advice provided by our community experts is what Christian credit counselors offer. Christian credit counselors emphasize Christian principles and values. For instance, they'll help you deal with the guilt that may develop when your debt load increases because you can't pay your bills anymore.
The consumer credit counseling agencies may not emphasize on biblical principles, but they do help people budget their expenses and find out ways to get them out of debt. This way consumers don't default on their loans and can avoid getting negative remarks on their credit report.
The consumer credit counseling agencies may not emphasize on biblical principles, but they do help people budget their expenses and find out ways to get them out of debt. This way consumers don't default on their loans and can avoid getting negative remarks on their credit report.
Popular articles on credit basics and consumer laws
While you get free counseling and credit repair advice from our community experts, here's a list of articles for you to check out. These resources will help you understand why it's important to build credit and how you can protect your score by making use of credit laws and consumer rights.
Credit score: This is a 3-digit numerical value that signifies how creditworthy you are. The higher your score, the easier it is for you to get loans at better rates of interest.
Identity theft: Identity theft is one of the most popular scams prevailing in the credit industry. Know how identity theft occurs and how to avoid being a victim.
FCRA: It speaks about credit laws and consumer rights you can use for your protection. Using the FCRA, you can avoid being a victim of fraud and identity theft.
Credit score: This is a 3-digit numerical value that signifies how creditworthy you are. The higher your score, the easier it is for you to get loans at better rates of interest.
Identity theft: Identity theft is one of the most popular scams prevailing in the credit industry. Know how identity theft occurs and how to avoid being a victim.
FCRA: It speaks about credit laws and consumer rights you can use for your protection. Using the FCRA, you can avoid being a victim of fraud and identity theft.
Community Buzz .. highlighted topics and discussions in our community
- Removing old late payments By ballsback
I've been trying to remove late pays I have on an old account that I settled out. What is the best strategy to go about ... - Single mother determined to repair horrible credit score By Guest
So long story but like many others I am a single mother who ended a relationship with my credit in despair. Now after a year ... - Credit Card By rocco
My wife and I are 60 years old and both of us lost our jobs 2 years ago .We coiuldn't pay our Credit card billls ... - charge off auto loan By phlygrl
My car loan has been paid. Made 72 pymts. Now they want $2500 more, stating this is interest. I made all my pymts and ... - overdraft line of credit By brianwillson
I am paying down some debt to better my debt to income ratio. How important is it to pay down the overdraft credit line I ... - Can 1 item on my credit report be listed twice? By Guest
BOA acquired my mortgage from Wilshire Credit (out of biz) since the aquisition, both items for the same loan are listed on my report? How ... - What should I do? By JPyron
Here is the situation. About four years ago, I moved to Europe. I had three credit cards in American with two different companies..only ... - Payday loans hit bank account By hopeforthebest
Can I change accounts but stay with the same bank in order to stop the payday loan while I get a debt consolidation loan? ...