Thursday, June 28, 2012

Basic Credit Repair Tips

April 7, 2010 by  
Filed under Credit Repair Tips, Featured


Have you ever wanted to be a doctor? To be able to cure what ails people? Well, in the credit sense, and with credit repair tips, you can be the doctor who cures your credit health. Continue reading for some tips on how to repair bad credit.

Did you know that you have rights as a consumer? Well, you do. The federal government enacted a law called the Fair Credit Reporting Act (“FCRA”) which is meant to protect you as a consumer. The reason behind the FCRA is to allow consumers a second chance in the event of a less-than-stellar credit standing.

Here are some basic credit repair tips so you can start your own credit repair:

-  Pay your bills on time.
-  Obtain a copy of your credit report
-  Challenge any inaccurate information on your credit report.
-  Take steps to rebuild your credit history.
-  Know your rights.
-  Get your credit cards below the maximum limit.

Here are some other tips on how to repair bad credit which might help with your diagnosis and beside manner, financially speaking:

You can get your credit report from these three reporting agencies – Experian, Equifax and TransUnion. Try to attain one from each.

Be careful not to allow yourself to fall for any scams that are out there. If they suggest to open a new credit file, beware. THIS IS ILLEGAL! Repairing your credit DOES NOT require obtaining another number from the IRS!

Commit yourself to this process. Get organized and ready to deal with the paperwork and making the phone calls. Nothing happens overnight (except maybe earthquakes!); however, following through could make the future more rosy!

You can do everything that an “online” company can do and save yourself money in the long run. However, if you do decide to use an online service, make sure that you choose a company that is reputable. Repairing credit is a billion dollar business and there are many companies out there that are not looking out for your best interest!

All of the tips on how to repair bad credit which I have mentioned above should help in your quest to rid yourself of the dreaded credit cancer! You will need patients (oops, patience) and a determination to follow through with the process. These basic credit repair tips are but a few which can help with your credit repair program. Go ahead. Physician, heal thyself!

Jeff Ragan wants to help you learn more about credit repair available and other helpful information on their website,

For over two decades now Mr. Ragan has helped people reach their goals. With his years of experience in construction, real estate investing, mortgages, credit repair and more, he can help you find the home of your dreams. By teaching others how to make educated decisions based on accurate knowledge, many have found him to be a good source of information.

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