Want to Repair your Credit or Need a Credit Consultation?

 

Bad Credit can affect your ability to get a job, loan, credit card, home and even an apartment. Your credit score and credit report  may be used to determine whether or not your application is approved or denied. Simply put, your goal should be to have the highest possible credit score so that you can get approved anytime you apply for credit, a loan, credit card, a job, a home or an apartment. That's exactly why it is important to keep your credit report in good standing. There are credit experts who specialize in removing the negative items that are showing up on your credit report. Some items that are on your credit report may be inaccurate and other items on your credit report should not even be there at all. Any of the items that are there that are in error can cause problems for you. Credit repair services can do an end to end analysis and decide which credit repair solution works best for each negative item that appears on your report. They also can work with creditors to reduce the amount owed as well as work in your best interest in getting negative items that should not be on your report removed. 

More specifically, credit repair services can:

1. Increase & improve your credit score.

2. Remove negative questionable items from your credit report.

3. Work on your behalf  to  correct any problems that you may have with your credit report.

4. Dispute on your behalf any items on your credit report that are questionable or simply inaccurate and should not be there.

5. Defend your credit rights according to the Fair Credit Reporting act. 

Free Credit Consultation

useful numbers (toll free):                        Free Credit Consultation 1-877-559-3858

Credit Repair Service    1-888-390-6742  

 

What kind of questionable negative items can be removed from reports via a Credit Repair Service?

• Collection
• Late Payment
• Charge Off
• Included in Bankruptcy
• Judgment
• Lien
• Settlement Accepted
• Other Negatives
• Bankruptcy
• Repossession
• Foreclosure
• Civil Claim
• Acct in Counseling
• Garnishment
• Closed by Grantor
• Partial Payment
• Acct in Dispute
• Cannot Locate
• Lost/Stolen Card
• Contact creditor

So who can you call?  Credit Repair Services can provide a no charge consultation to properly assess your needs as well as determine what can be done to help you now. If you need assistance with improving your credit score or report you may call for a Free Consultation. 

Free Credit Consultation

useful numbers (toll free):                        Free Credit Consultation 1-877-559-3858

Credit Repair Service    1-888-390-6742  

 

 

 

 

 

Having bad credit won't
prevent you from getting a
credit card, but it will make it
more difficult. Follow these
steps to get a credit card
despite your bad credit. Need
a credit card now?

CREDIT CARD GUIDE CONTINUED FROM PART 1 ON THE
LEFT HAND SIDE  OF THIS PAGE


NEED a CREDIT
CARD NOW?

Read the top guide -part 2- on how
to get a CREDIT CARD NOW and
Find what you're looking for!

HOW TO ESTABLISH GOOD
CREDIT AND GET A CREDIT CARD!
If you've never had credit in your own name, it can be difficult to get a car loan or credit card.
Having no credit history can be as much of a problem as having a bad credit history. Students, other young people, and newly divorced or widowed women who have always < br soft > obtained credit jointly with their husbands often find themselves in this situation.

Need a
credit card now?

It seems like a vicious circle: you can't get credit because you've never had credit, but you've never had credit because you can't get credit.
What's a person to do?
Don't despair. Here are a few tips to help you establish credit in your own name.~ The best way to establish a credit history is to apply for a small loan or line of credit from your local bank or a credit card from a local department store. Ask whether they report to a credit bureau. If they don't, having the card or loan won't help you establish credit. Need a
credit card now?
~ To get a credit card without a cosigner, you
must be at least 18 years old and have a source of steady income. Gas cards are
relatively easy to get. Apply for one and use it to establish credit, but pay it off every month to show that you can pay your bills responsibly.
Need a credit card now?

~ If you can't get a small loan or gas or
department credit card on your own, try to find
someone to co-sign for you. Again, make
payments regularly and on time.
~ Increase your chances of getting the loan
you're applying for by coming up with a large
down payment. If you don't have the cash,
consider borrowing from a family member.
Need a credit card now?

~ If you don't have a checking account, open
one. You have very little credibility with lenders
if you don't have at least a checking account
and preferably a savings account as well. Need
a credit card now?
~ Just as importantly, be sure not to overdraw
your bank account. Bouncing checks sends a
signal to potential lenders that you can't
manage your daily finances and are therefore
not a good credit risk.
~ Know what lenders and credit card issuers
look for when issuing credit. There are other
factors that affect credit approval besides just
your payment history, such as how often you
move and how often you change jobs. It also
helps if you've had an apartment or utility in
your own name. If you don't have a telephone
number in your own name, you may find it more
difficult to get credit. Need a credit card
now?

~ If worse comes to worst, you may find it
necessary to get a secured credit card. These
cards require you to deposit money in an
account to secure the loan or credit limit, and
they often have fees and higher interest rates.
If you default on your payments, the lender
takes the money from your account. After a few
months of making payments on time on the
secured credit card, you may be able to obtain
a regular credit card. Remember to make sure
the company reports to a credit bureau before
applying for a secured card, or the card won't
help you establish a credit history. Need a
credit card now?

Before you apply for a credit card or car loan,
get your ducks all lined up. Think like a lender.
Applying to a number of credit cards in a short
period of time can decrease your chances of
getting approved. Need a credit card now?

Lenders see this activity on your credit report
and steer clear because they think you're
getting in over your head, so pick and choose
carefully and have a plan of action. Need a
credit card now?

Being rejected for credit can also look bad.
Apply only to cards whose requirements you
are likely to meet. Need a credit card now?
Read the small print and call the company to
make sure your income and other factors
qualify you for the card. Just because you get
an offer in the mail doesn't mean you qualify.
With careful planning and a little knowledge of
how lenders issue credit, you CAN establish a
credit history fairly painlessly. Need a credit
card now?