I try to publish accurate, helpful advice here on this blog. If you have a question or a problem or don't agree, then post a comment or contact us with the Contact Us page. I'm not trying to scam anyone or do anything that would make you lose even more money than you already have. [...] Read more »
Why I Should Have Avoided Bankruptcy
I am writing here about bad credit, because I have been through the process and through the system, including bankruptcy, and I have bad credit now, but my credit was worse. I've done everything I can to bring up credit scores, and for me, this happened before the bulk of Americans today fell short on [...] Read more »
Tips To Get Debt Help Online
One way to improve your credit score and work toward consolidating debt, and that means getting a debt consolidation loan. Searching the Internet can give you several options. If you've been considering the steps of getting a debt consolidation loan, versus choosing a debt management or debt settlement service, you sholud know the main differences, [...] Read more »
Credit Repair Secrets of the Ultra Wealthy
You don’t need a credit repair guide to reveal credit repair secrets to you. The majority of details surrounding how your credit score is determined is fairly straight forward. If you just remember that the credit score is a measure of how safe you are to the lender, you just need to think like a lender to improve your score. Read more »
Top Ways You Can Clean Credit Legally
If you have poor credit, you're likely to see promotions for services to clean credit fast, that sometimes include scams such as cleaning up or erasing your credit in just thirty days. The scam is usually something similar to disputing a valid negative entry on your credit report, and if a creditor does not respond to your dispute within thirty days, the credit reporting agency (CRA) has to remove it from your credit report. The problem with this is that this scam is so widespread now, that any creditor will always respond to your dispute right away. So, this scam does not work as effectively as it might have a few years ago. Read more »
How Long Does It Take To Repair Credit?
It can be so frustrating: trying to repair bad credit, especially after the recent economic downturn. Credit card companies changing the rules on borrowers so that credit scores have been impacted across the board. Hikes in interest rates to ridiculous levels has also meant it's that much harder to pay the monthly bill, and millions of people are falling behind. Add to this the major job loss around the country, and Americans who lived on credit are finding that suddenly they are unable to pay their bills. Read more »
What Does Your Credit Score Range Say About You?
Well the perfect credit score range is 760 to 850. You won’t see many differences in offers anywhere in that range, but you’ll love every offer you see. To achieve this range you must never (in the last 7 years) ever miss a payment, use credit but pay it in full every month, and have been doing that consistently. Read more »
Are There Mortgage Bad Credit No Down Payment Products?
This economy has changed a lot of things about the landscape of American lending and credit. One of the items that has been dropped like a hot potato are mortgage bad credit no down payment loans, where individuals with bad credit can get 100% financing. The main reason for this is that these products are [...] Read more »
The Easiest Credit Report Repair Steps
Things are happening in this economy that are going to impact many people's credit scores whether they like it or not. Specifically, the banks are reducing credit card limits, raising interest rates, and changing payment terms so that monthly payments are larger than ever before. On top of this, people are losing jobs, or suffering under health care difficulties, so credit scores for many are also taking a hit. However, if you follow some simple steps for at least a few months, you can start to see improved credit score within as little as two or three months. Read more »
Where To Turn For Credit Repair Help
Where do you turn when you're desperately in need of credit repair help? Well right here at Credit Help Online of course! Seriously, the credit repair tips you need to get started are not that complicated. The worst part of having credit trouble is feeling as though there is no light at the end of the tunnel. Well, we're here to tell you that there is, we have been through it all, and it might take time and patience, but any credit problem can be solved. Read more »