Credit & Credit Repair

What used to be known as Debt Management is now commonly referred to Consumer Credit Counseling. The term refers to using an uninterested party to help you learn, understand, and budget your finances. This will assist you in paying your creditors on time, every month.
The objective used to be to teach anyone who doesn’t understand [...]

I took a survey in July 2009 and found that out of 1000 people, 67% of those people either admitted not never checking their credit report or knew they were in need of some sort of credit repair. Now out of those 670 people, 92% of them said they didn’t want to bother with credit [...]

Countless Americans every year hire credit repair companies to fix their credit. Is this a good move or bad move? Let’s go over some of the pros and cons.
The Pros that they present to you:
1. “I don’t have to do anything but sign up”. This is a complete fallacy, people believe that out of sight, out of mind; [...]

The FCRA says that anything that is inaccurate on your credit report can by disputed, however anything that is not inaccurate cannot be disputed. You want to be careful though, you do not want to dispute everything on your credit report if it can be avoided. By disputing everything you may turn yourself [...]