credit repair after bankruptcy

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Credit repair is a time-consuming process, but you can do it yourself relatively easily - and for little or no cost, it is almost important as getting out of debt and a time-consuming operation requiring great patience.

Credit Repair Topics :

Credit history information is used by lenders such as credit card companies to determine an individual's or entity's credit worthiness; that is, determining an individual's or entity's means and willingness to repay an indebtedness. This helps determine whether to extend credit, and on what terms. With the adoption of risk based pricing on almost all lending in the financial services industry, this report has become even more important since it is usually the sole element used to choose the APR (annual percentage rate).

A credit bureau may sell your contact information to an advertiser purchasing a list of people with similar characteristics, like homeowners with excellent credit. A creditor can check your credit periodically and so note your file will no adverse effect to your credit history. Or, a credit counseling agency, with your permission, can pull your credit report with no adverse action. Each of the preceding examples are commonly referred to as a "soft" credit pull.