free credit repair information

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Credit repair is a much more recent phenomenon and the industry has not adopted independent standards of conduct, it is an especially pernicious fraud that preys on consumers who have run into financial trouble and as a result, have bad credit reports and very time consuming, this is why also why credit repair services must charge a fee.

Credit Repair Advices :

If the above approaches do not apply or fail, file disputes of negative marks on a credit report. Even if the negative marks are accurate, some creditors fail to respond to disputes in a timely fashion, which removes negative marks. Rather than pay the postage it takes to respond, some creditors disregard any communications regarding paid accounts. It is mail fraud to falsely dispute an item, but as long as you claim to believe an item was never late, feel free to dispute.

There are other special factors which can weigh on the FICO score. * Any monies owed because of a court judgment, tax lien, or similar carry an extra negative penalty, especially when recent. * Having above a certain number of consumer finance company credit accounts also carries a negative weight (critics say that this causes a vicious cycle, locking people into continuing to use consumer finance companies). * The number of recent credit checks also can weigh down the score, although the credit agencies claim to allow for credit checks made within a certain window of time to not aggregate, so as to allow the consumer to shop around for rates.