Credit Repair Companies and the ECRA

• Credit Repair Help
  Posted on Tuesday, August 11th, 2009 in Credit Repair Companies – Comments: (1)
  What do we mean when we say “credit repair help”? What kind of help do you seek? Most people go for credit repair help with the hope of seeing their credit scores improve rapidly, preferably overnight. But this only shows how little awareness there is about the principles that make a credit report. A credit report is nothing more than the record of your financial transactions from the day you became an adult. Once you understand this basic principle, it will be obvious that it is not feasible to expect that help with your credit can “wipe away” negative entries. Such services can only help you improve the way you manage your finances, which over a period will reflect in your credit score. Beware of companies that promise you instant revamped credit reports. There are no legal ways that permit you to wipe off all true records from your credit report.
• Credit Repair Company – What it Can Do, What it Cannot
  Posted on Sunday, August 16th, 2009 in Credit Repair Companies – Comments: (1)
  If you’re seeking the services of a credit repair company, you should be aware of just what such a company can and cannot do for you.Some people expect near miracles when they hire a credit repair agency. Unrealistic expectations are never a good thing. Moreover, a credit repair company that makes too-good-to-be-true promises is one you will want to steer clear of. But as for the company, a client who comes to them with unrealistic expectations is likely to end up being a dissatisfied client, regardless of how hard the company works on his behalf.Just what CAN a credit repair company do to solve you financial problems? Check your credit report from each of the major credit bureaus, for information that is to be inaccurate Initiated a credit report dispute when inaccuracies are discovered Following up until all errors are removed from the report Advise the client on the best course of action that will result in the quickest possible improvement in your credit score Counsel you regarding the best ways to manage your finances so as to avoid future problems Facilitating avenues that will enable you to earn your livelihood again Watch your credit report closely to prevent any errors that could erode your credit rating Teach you how to maintain a good credit to income ratioWhat  you should NOT expect from a credit specialist.
• Credit Repair Scams – Don’t Get Ripped Off!
  Posted on Friday, August 21st, 2009 in Credit Repair Scams – Comments: (2)
  No doubt you’ve heard a great many stories of people who have gone to credit repair agencies hoping they can improve their credit, only to be ripped off by credit repair scams!To protect yourself from these crooks, you need to be aware of how they operate.First of all, they are keenly aware of the desperate situation of those who have bad credit. And they know that such people are so very desperate, they are eager to believe just about anything a company tells them, if they think it will help them out of their despair.They are often so disheartened by the system, which seems downright cruel and uncaring toward  their plight, that they’ll do anything to improve their situation. Most people who seek out help are on the verge of declaring bankruptcy. It’s these individuals who are the most likely to fall prey to credit repair scams.Why?
• Credit Repair Program
  Posted on Thursday, August 13th, 2009 in Credit Repair Companies – Comments: (1)
  Most people feel that they would invite more trouble than help when and if they subscribed to a credit repair program. This is a myth – one that stops you from reclaiming complete charge of your life. Do not fear the credit repair agencies. They are your friends. These are bridges that help you cross over from hopeless situations to workable ones. Do recognize the fact that when you are indebted beyond help, the whole world looks rather depressing. This would continue to deteriorate until you reignite hope in your mind – hope that you can beat the seemingly insurmountable odds. It IS possible. The only thing you need to watch out for when you subscribe to a good program for credit repair is that it “helps” you overcome your debts in a lawful manner. No matter how tempting it sounds, avoid those which promise you overnight results. These will lead you to disaster.
• One Time Credit Report
  Posted on Wednesday, August 19th, 2009 in Credit Bureaus – Comments: (4)
  The first thing that you will need when you start planning to improve your credit score is your one time credit report. You can obtain this document for free once a year from each one of the three credit bureaus – Experian, TransUnion, and Equifax. You may visit this site to apply for your free report – http://www.annualcreditreport.com.Space your request every four months so you can have a free update at quarterly intervals. You can have these reports at more frequent intervals but that will require a fee of about $15 – $30.The purpose in getting your one time credit report is to check whether it contains an accurate representation of your financial history. Chances are good that there will be anomalies. Your score will improve considerably if you remove all the inaccurate entries on the report. For best results, you will need to write separate letters for each erroneous entry if there is more than one.

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