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HomeCredit ForumCredit repair

Free Credit Repair

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kurt



Joined: 03 Jul 2008
kurt's page
Posts: 4



321 Magic Points
Subject: Free Credit Repair
 
 Posted on Thu Jul 03, 2008 4:47 am  
Having bad credit can be an extremely difficult thing to live with. In today's society so much depends on having good credit. Not just whether or not you can buy a new car or home, but many employers now pull credit checks on all employees and if you are trying to get a job, especially in the financial arena, having good credit is a MUST.
 
anthony

anthony

Joined: 31 Jul 2006
anthony's page
Posts: 334



8619 Magic Points
 
 Posted on Thu Jul 03, 2008 8:20 am  
I agree with Kurt. Credit score plays a very important role in every aspect of our life. Starting from getting loans with low interest rates to getting a house on rent, credit score has a vital role to play. So it is always essential to maintain a good credit score. Even if we have a bad score or a score below 650 it is always essential to recover from it. we can do it by ourselves with no help from credit repair agencies as going for credit repair with outside organizations will only result in spending dollars. In this forum itself you can find many post which will tell gives an idea of how to repair credit.
_________________
Anthony..

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
 
Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 208



6052 Magic Points
 
 Posted on Thu Jul 03, 2008 8:33 am  
I agree with the fact that we can repair credit score by ourselves and be in an advantageous situation. But the main thing is that we can never improve credit score to very high levels once it falls. So it is always better to keep track of your credit report at regular intervals and fix any discrepancies with the credit reporting agencies if any by sending a dispute letter. It is always good to make the repayments timely and avoid entry of any missed payment in the credit report as it will stay in the report for seven years and lower your credit score.
_________________
Best Wishes
Justin
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 714



71 Magic Points
Subject: credit
 
 Posted on Thu Jul 03, 2008 12:25 pm  
As you 'go through life' you sure learn about credit!! Trying to 'start your credit over', after a bad circumstance is hard to do..and it doesn't happen overnight, that's for sure. Trying to deal with all of it can drive a person crazy!! But.......one day at a time,that's what I say. ( Wish I would take my OWN advice, sometimes..LOL)
 
Elizabeth
Guest
Subject: DO IT YOURSELF//:::::
 
 Posted on Sun Jul 06, 2008 4:56 am  
See:
NoSweatItCredit (dot) com
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2331



872 Magic Points
 
 Posted on Sun Jul 06, 2008 6:02 am  
Coming to these types of forums and getting involved with and staying involved with the conversations here that walk people through the process of taking care of a problem is a good way to learn about credit and the do's and don'ts of it. You can actually learn enough here to get a good start on repairing your own credit and saving yourself a ton of money.

I do agree that credit affects everything these days, from employment to the ability to purchase necessary items, your credit must be at least in the fair colum to get anywhere.

Working on credit and maintaining what you have now is an awesome idea.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
scott

scott

Joined: 28 Jun 2006
scott's page
Posts: 163



4471 Magic Points
 
 Posted on Mon Jul 07, 2008 4:54 am  
I agree with you goodnatured. Credit related problems has become a part of our daily life and most of these credit repair companies take advantage out of it. So it is always essential to have a complete knowledge of credit and its related issues and this forum I think provides a good platform for learning credit issues.
_________________
SCOTT

Social security, bank account, and credit card numbers aren't just data. In the wrong hands they can wipe out someone's life savings, wreck their credit and cause financial ruin.
 
anthony

anthony

Joined: 31 Jul 2006
anthony's page
Posts: 334



8619 Magic Points
 
 Posted on Mon Jul 07, 2008 5:12 am  
What I think is that if we can track our credit report quaterly, we can solve the problems by ourselves without going for any credit repair programs. For this we should carefully have a look at our credit reports and report any discrepancies with the CRAs by sending them a dispute letter. In this way, at least some of the wrong listings will get out of our credit report and we can increase our score.
_________________
Anthony..

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
 
CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 364



3752 Magic Points
 
 Posted on Mon Jul 07, 2008 6:10 am  
i totally agree with the above. i think sites that give ppl the tools and info to help themselves are a wonderful thing.
_________________
****************************
Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
Pesonalized credit repair advice in the forum:

www.homecreditrepair.net

http://homecreditrepair.hqforums.net/
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2331



872 Magic Points
 
 Posted on Mon Jul 07, 2008 3:44 pm  
They are and you can learn through being actively law.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
Mary

Mary

Joined: 06 Jul 2006
Mary's page
Posts: 155



4905 Magic Points
 
 Posted on Tue Jul 08, 2008 9:32 am  
I agree with you goodnatured. These forums are a wonderful place to learn and solve credit related issues without spending any money. Actually from creditmagic, I have learnt a lot. Moreover, if you have complete knowledge about credit, you can save dollars which would otherwise go to the credit repair agencies,
_________________
Where there's a will, there's a way !!
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2331



872 Magic Points
 
 Posted on Wed Jul 09, 2008 2:48 am  
I have learned alot here and gotten alot of good advice
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 714



71 Magic Points
Subject: credit
 
 Posted on Sat Jul 12, 2008 4:48 am  
I DO think credit is a 'major player' in 'standings' ( lack of a better word). However...I know the 'best' people, very sweet people, whose credit is horrible because of a horrible situation. Too many people judge others, too much, from a credit report.
 
CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 364



3752 Magic Points
 
 Posted on Sun Jul 13, 2008 1:34 am  
While I agree that peoples character should not be judged by CS s I will point out that our economy depends on the credit scoring system. The current fraglie state of our economy is due to those loan sharks who gave ppl home loans they couldnt afford. Had those ppl been forced to improve their scores they would not have turned to those companys that rocketed their intrest rates up in order to try and pay for the loan.
_________________
****************************
Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
Pesonalized credit repair advice in the forum:

www.homecreditrepair.net

http://homecreditrepair.hqforums.net/
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2331



872 Magic Points
 
 Posted on Sun Jul 13, 2008 2:35 am  
and the result is that people can not afford these mortgages and end up foreclosing on the loans and the companies lose out. We see alot of it around here.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
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