Get Your FREE Credit Report

Taking control of your credit is one way of protecting yourself. It is your right to see your credit report.

FREE - Instant Access to Your Credit Report Now!

GoFreeCredit.com allows you to see your credit report and credit score online for 60 days which is FREE and enrolls you in a trial credit monitoring program (If you wish) that alerts you to any changes to your credit report that could affect your credit score

Staying on top of your credit report allows you to protect yourself from identity theft, incorrect bills and a misrepresentation of your credit history. Knowing what is being reported, you can easily do credit repair yourself to eliminate damaging items on your report. I have published how you can easily remove negative items and the responses from readers who have used my tips are all positive. Read how you can be successful too by going to 'How To Remove Bad Credit from Your credit Report'

Do you know all the facts about credit scores? Click Here!

GoFreeCredit.com is a revolutionary site which gives you instant access to your credit report - FREE! You will find solutions to improve your credit rating and maximize your purchasing power

Learn how to eliminate debt, delete late pays,
judgments, default accounts, inquiries, and
bankruptcies from someone who boosted his
score 135 points in 37 days!
CLICK HERE

FREE PDF Download ~Dispelling The Credit Repair Myths

As with many things, we need help once in a while, but credit repair is certainly something that you can do quite easily on your own with a little elbow grease and time.

There are some myths. Some may shock or even anger you, but it is a message that must be told. For example, you probably think you can't do it yourself and you NEED a professional agency to do it for you. That couldn't be further from the truth.

I am giving you this FREE download, so you can learn some of the credit repair myths. This information is something you shouldn't be without.

Click the link below to receive your free copy:

FREE DOWNLOAD: DISPELLING THE CREDIT REPAIR MYTHS

Go HERE to learn the credit repair agencies top secret methods for removing negative items, inquiries, judgments, and bankruptcies from credit reports.

Rebuild Your Credit

Are you looking to rebuild bad credit ? One way to get back in good standing is to apply for a credit card. You probably receive many offers in the mail to apply for credit cards, but that doesn't mean you have to take the first bad credit offer you receive.

Wouldn't it be great if there was a web site that can compare the best rates, including APR, yearly fees, security deposits and membership costs? Well, now there is. If you go to Bad Credit Offers, you can get all the information necessary to make an informed decision that suits you best. They list the top credit card offers and give you the benefits of each, including which company will report to the credit bureaus.

You also can get information pertaining to home loans and car loans.

If you make your payments on time, you will rebuild your credit. This will perhaps help your financial future.

Know The Facts About Personal Loans

Did you realize that credit cards are really considered personal loans?

When applying for credit cards you should always be aware of the terms and conditions before you agree to open an account.

A loan can fall under two categories:

secured ~meaning money is used to purchase property and a lien in placed against it. If you fail to repay, the bank can ultimately reposes the property.

Unsecured ~ meaning money you borrow does not have a lien against property.

Your credit history determines the interest rate you pay.
Bad credit personal loans are issued if you have a blemish on your credit report. A lower credit score can result. Due to this, you may find you will pay a higher interest rate or the lender may require a down payment.

I would suggest always reviewing your credit report. You can obtain a free report with each reporting agency each year. I do this faithfully. In the past, I had found items reported that were not mine and they actually were working against me. I had no idea those items were there until I reviewed my credit report. I was easily able to remove these inaccuracies by writing to the credit reporting agency to dispute the incorrect information. Doing my own credit repair, has helped me achieve a higher credit rating, lower interest rates on future loans and less stress.

How many of you receive those special offers in the mail stating you have been pre-approved or pre-qualified to open a new credit card?
I receive at least 2 or 3 offers each week!. The offers always sound enticing, but after reading the terms and conditions, I find these cards are not suited for my needs.

It's best to shop for the best rates and terms before deciding on a particular credit card. You should also consider how you will use the card. If you know you will carry a balance from month to month, you may want to have a card that carries a lower interest rate.

If you always pay your bill in full each month, you may want a card that offers no annual fee.

At 600.net you will find all the pertinent information needed about credit cards. You want to educate yourself before deciding on that offer you received in the mail. 600.net offers information regarding the types of credit cards available to you, how they work, how to prevent fraud and even how to repair your credit.

You may want to check out the information regarding auto loans at 600.net as well.

It is to your advantage to know the facts regarding any loan before signing documents. This will save you time and money.

How To Remove Negative Credit Yourself

The following tips will help correct your credit and it should be done with all Credit Bureaus.

I have personally used these methods and had much success removing negative items, collection accounts that were not mine and removing errors contained in my credit report.

You are legally able to obtain a FREE credit report every 12 months by calling each Credit Bureau and requesting a copy of your report. If you were turned down for credit, you can request a copy of your credit report and have the company that declined you outline why you were turned down for credit.

I will show you ways of removing negative items from your credit file. These methods are sometimes referred to as "Credit Repair".

These are the exact same methods credit repair clinics and attorneys charge up to $3,500 or more to perform. Since they don't always do it correctly, people have been taken for millions of dollars over the past years.

You can outsmart creditors who are damaging your credit!

What the Credit Bureaus Don't Tell You
1. Each item on your credit report must be proven or it cannot remain in the report. If the credit bureau cannot verify the item when investigated, it must be removed from your file whether or not it's true.
2. Every negative entry on your report can be denied or challenged at any time. The bureau must reinvestigate and if that item cannot be verified within a "reasonable amount of time", it must be removed from the file.
3. Items when challenged can be mistakenly erased. Consumers say they often experience computer operator mistakes.
4. Many times the creditor does not re-verify in time or the credit bureau is busy and does not handle your dispute properly. It must then be deleted.
5. The older an item, the more difficult re-verification is. It is possible it cannot be verified because records may no longer exist after 1 or 2 years.

Steps to Repair Your Credit
1. Obtain your three credit reports.
2. Review the reports and locate the negative items.
3. Dispute the negative items with the credit bureaus.
4. Disputed items are removed or corrected. Items that were not re-verified are removed.
5. Negotiate with creditors and collection companies.
6. After negotiating and making payment, creditors delete the negative accounts or change them to a positive rating.
7. State the item you are disputing, but do not use dispute forms or file numbers provided by the bureau. This will cause fewer delays by the credit bureau asking for clarification.
8. Do not confirm the account if any information about the item is wrong.
9. Do not use letterhead (you don't want to raise any Red Flags).
10. Do not photocopy a fill in the blanks form letter (another Red Flag).
11. Send disputes during busy times of the year. For Example: The first to middle of November can cause a delay in verification because of the Thanksgiving/Christmas rush for the creditor and the bureau can catch them before they can thoroughly investigate within a reasonable time.

Please Click Here to read more in depth details on my SquidooLens: How To Remove Negative Credit Yourself


Get Your Equifax Credit Report Now!