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- Bad Credit
Bad credit repair resource for individuals who want to repair their own credit. Credit Score - Debt Consolidation - Credit Counseling - Personal Bankruptcy - Identity Theft .
- Bad Credit Repair Plan
Learn how you can fix your bad credit with our bad credit repair plan.
- Credit Report Guide
This article will provide you with information on where you can obtain your credit report, how much it costs, how many times you can or need to review your report, and what the information on the report tells you as well as your lender.
- Credit Report Disputes
This page reviews credit report disputes and gives a sample credit report dispute letter to assist you with disputing inaccurate reportings.
- Credit Bureaus Explained
This page describes what a credit bureau does and how it affects your credit report. Credit bureaus sell information to creditors so that you and I are able to receive credit based on several factors including payment history and current oustanding debt.
- Get Your Free Credit Report Today
This page tells you where you can get a copy of your free credit report. The new amendment to the Fair Credit Reporting Act allows you to obtain a free credit report from each of the 3 main credit bureaus each year.
- Add A Credit Report Fraud Alert
This page explains what a fraud alert is and examines the types of fraud alerts that are availabe to you. The three fraud alerts available to you are initial, extended, and military.
- Prevent Phishing Scams
The Federal Trade Commission issued a consumer alert about phishing and phishing scams. It is a very informative article that discusses ways fraudsters try to obtain you information through various types of internet scams.
- Credit Reporting Errors Wreak Havoc
A study conducted by U.S. P.I.R.G. found that 1 in 4 credit reports had serious enough errors to prevent people from obtaining credit. The Fair and Accurate Credit Transaction Act was created to help prevent this type of inaccurate credit reporting.
- Identity Theft
Identity theft has been around for years, but as new technology arises, thieves find new ways obtain your personal information.
- Identity Theft Insurance
Identity theft insurance provides additional protection to victims of identity theft by covering secondary costs that would normally be paid out of pocket.
- Credit Score Calculation
Your credit score is a three-digit number determined by the Fair Isaac Corporation, also known as FICO. Several factors are used to determine your credit score and they are discussed in detail here.
- Credit Cards
Your credit cards don't have to lead to your financial ruin. You can find ways to use them wisely.
- Bad Credit Credit Card Offers
bad credit credit card offers
- Debt Consolidation
Debt consolidation loans include - payday loans - home equity loans - credit counseling - car title loans -these are all ways to reduce your debt without filing personal bankruptcy.
- Types of Debt Consolidation Loans
Debt consolidation loans are one of many options available to help you get out of debt. A debt consolidation loan can take many forms. For example, if you have a home, then you can use your home equity to consolidate your debt and pay it off without taking on another huge loan at high interest rates.
- Bad Credit Personal Loan Option
- Payday Loan Option
A payday loan is a short term loan that should be used sparingly. Payday loans are higher-interest charging loans used to give you the cash you need in times of an emergency. They are also very easy to obtain no matter what your credit rating is.
- Car Title Loan
This page examines a car title loan. It explains what a title loan is, how much it costs, when it should be paid back, and what the consequences are if you default.
- Home Equity Loan vs HELOC
The aim of this page is to compare a home equity loan to a home equity line of credit. They are very similar, but each one has its own advantages.
- Student Loans
Student loans are invaluable resources for those in need of financial assistance to achieve their educational goals. A higher education in today's world is not just nice to have, it's required to get a good job.
- College Loan Consolidation
College loan consolidation solves the debt problem of many students who need help paying for their education.
- Credit Clinics
Credit clinics are lurking on every corner promising impossible feats for large sums of money. Desparate people are taken advantage of and end up in even more trouble than when they started. Don't become one.
- Consumer Credit Counseling Guide
Consumer credit counseling is one of many options available to you online as well as off to assist you in getting out of debt. Getting into debt is easy, but getting out of debt is difficult. Consumer credit counselors discuss your financial situation and try to find a plan that will work with your budget.
- Bad Debt Settlement Services Guide
Debt settlement is one of many options to relieve you of the financial burden you are now enduring.
- Bankruptcy Guide
Bankruptcy is not the most favorable option you can take to get out of debt, but sometimes it's the only option. If you're thinking about filing, then now is the time to do it. The recent bankruptcy law changes are effective in October 2005.
- Personal Budget
This is a step-by-step plan to get you on a personal budget quickly and easily.
- Debt Free Strategy
This page is dedicated to keeping you debt free, so that you can live financial stress free and do the things you want to do in your everyday life. You will no longer have to wait until the car is paid off to travel the world or go on vacation.
- Credit Monitoring Guide
Monitoring your credit can help prevent inaccurate information from denying you credit, and prevent identity theft. Subscribing to one or all of the big 3 credit reporting agencies credit monitoring service is an easy way to monitor your credit.
- News
- Credit Reporting Laws
Credit Reporting Laws resource for consumers. You should be aware of what laws protect your rights when it comes to your personal credit file and debt collection practices. FACTA - ECOA - FCRA - FDCPA
- Fair and Accurate Credit Transactions Act
The Fair and Accurate Credit Transaction Act was created to help protect your privacy and insure the accurate reporting of your credit transactions.
- Equal Credit Opportunity Act
This Act was written into law to afford equal credit opportunities to all people regardless of sex, race, marital status, religion, national origin, age, or because you receive public assistance.
- ECOA (Full Text)
ECO Act affords equal credit opportunities to all people regardless of sex, race, marital status, religion, national origin, age, or because you receive public assistance- full text.
- Fair Credit Reporting Act
The Fair Credit Reporting Act was created to ensure the accuracy, fairness, and privacy of information reported to credit bureaus.
- Illegal Debt Collections
Illegal debt collection practices by creditors are prohibited by the Fair Debt Collection Practices Act.
- Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act was created to protect you from harrassment and deception of creditors and third party debt collectors.
- Phishing Alerts
Internet fraud is on the rise. I want to do what I can do educate you on the latest phishing scams and keep you as safe as possible from identity theft.
- Glossary
This is a list of must-know credit repair terms.
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- Contact Us
Here is Credit-Repair-Guide's contact information should you have questions.
- Links
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- Privacy Statement
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- Terms and Conditions
The terms and conditions of this website are stated here.
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Your Prescription for Better Financial Health