Free credit repair tips!

Need credit repair? If you have been financially battered by the economy in the last few years, chances are you have gone through loss of a job or business, foreclosure, bankruptcy, or one of the  many other catastrophic events that cause good people to end up with bad credit.

Welcome to your free online credit repair clinic. We are going to show you how you can come bank from financial disaster, or if you are just needing a little tune up to that sub 700 FICO score, we can help you do that too.

What is credit repair?

Credit repair in the legal and ethical sense is repairing your blemished credit which may be adversely affected by inaccurately reported negative information on your credit file. It has been proven that over 68% of credit reports contain erroneous information. These credit report errors can cause your credit score to suffer unnecessarily. Even simple things such as credit cards showing higher balance than what you actually owe can have a substantial impact on your score since a significant component of your FICO score is the ratio of available credit to the amount owed. Correcting these items as well as any other inaccurate or outdated information can increase your FICO score to a level that may give you considerably better terms on home loans, car loans, credit cards and now days, even home owner and auto insurance rates! Yes, your insurance rates are now affected by your credit rating! It behooves you to work on those nasty little items that are causing your scores to be below par.

Can I repair my own credit?

Absolutely!  A lot of people pay credit repair companies when anyone can just do their own credit repair! There are no legal loopholes that anyone can ethically exploit in your favor. There are many shady practices out there that con artists are peddling on unsuspecting people who still don’t get the fact that “if it’s too good to be true, it probably is!”

We are going to share with you tested and proven methods to improve your score, at no cost to you. Fair warning, this does involve some work on your part but the rewards are worth it! An acceptable credit rating can open up so many doors! Did you know that most employers of respectable companies are now running a credit report before hiring people? 100% TRUE!

With that said, come aboard! Read our blog at your leisure, join the conversation when you are ready, ask questions and comment on our articles and posts. We want you to participate in the credit repair discussion!!