http://www.credit-repair-blog.net Repairing, improving, and maintaining your credit rating. Wed, 23 Jul 2008 17:43:08 +0000 http://backend.userland.com/rss092 en The Basic Rules Collectors are governed by the Fair Debt Collection Practices Act (FDCPA). Collectors do not always play fair, so it is best if you know the rules. Collectors cannot report a collection to the credit bureaus unless they have sent you a letter detailing the debt and the identity ... http://www.credit-repair-blog.net/2008/07/23/credit-repair-how-to-handle-a-collector/ Get the Big Picture Do you want to have fantastic credit scores? Would you like to be approved for the lowest cost financing available when you purchase a home or an automobile? If so, you need to understand the factors that have the greatest impact on your credit scores – and ... http://www.credit-repair-blog.net/2008/07/16/credit-repair-how-to-raise-your-credit-score/ Setting Priorities What do you want from life? You can achieve your goals. Success is within your reach. There are just two requirements. First, you must be clear about your goals. Second, you must work towards your goals - everyday. Clarity is essential. If you really want something, your actions must ... http://www.credit-repair-blog.net/2008/07/11/credit-repair-your-future-starts-now/ Bring Your Goals to Life! Effective credit repair involves a systematic effort to clean up and reconfigure the content of your credit report. There is some work involved, and you want the results to last. Here are some tips on developing a personal budget that will carry your credit repair effort ... http://www.credit-repair-blog.net/2008/06/30/credit-repair-your-budget-and-your-life/ The Journey Begins Bob and Sue are real people. They are smart and resourceful, but several years ago they made some bad choices. Soon their credit was a mess. So they started their credit repair journey. Here are a few of their credit repair adventures that might shine some light on ... http://www.credit-repair-blog.net/2008/06/20/credit-repair-adventures-a-true-story/ Right Where You Belong! The credit bureaus are not the enemy. And the folks that created the FICO credit score model are not out to get you. In fact, if you take time to learn the rules you will find out how fun the game can be. Here are a ... http://www.credit-repair-blog.net/2008/06/17/how-to-win-the-credit-repair-game/ The Need for Credit Repair In 2003 congress passed an important amendment to the Fair Credit Reporting Act. The amendment, known as FACTA, required Equifax, Experian, and TransUnion to provide consumers with a free credit report, upon request, once every 12 months. This was meant to encourage consumers to examine their ... http://www.credit-repair-blog.net/2008/06/11/a-step-by-step-guide-to-credit-repair/ You Can Take Control! Collectors use both law and psychology in the practice of their craft. Many collectors operate legitimately, while others cross the line daily. Do you know your rights? Here is the correct way to deal with a collector - and maybe even come out ahead. Getting the Collection Letter Many ... http://www.credit-repair-blog.net/2008/06/09/credit-repair-and-the-collection-puzzle/ Credit Cards Hold the Key There is nothing like the subject of credit cards to get people excited. Credit cards can be a great convenience, or a weapon of financial destruction. But there is more power in that plastic than you think. Credit cards also hold the key to higher credit ... http://www.credit-repair-blog.net/2008/06/02/credit-repair-and-the-hidden-power-of-credit-cards/ Take Control! Don’t imagine that other people always play fair. Look out for yourself. Knowing your legal rights can make all the difference in the world. Here is our take on some essential rights and remedies that can save you money and put you back where you belong - in control. Credit ... http://www.credit-repair-blog.net/2008/05/29/credit-repair-exercise-your-legal-rights/