Credit Card Repair

Credit Repair: This Sneaky Trick Raises Your Credit Score Legally and Quickly

http://CreditRepairBook2010.com Credit repair do-it-yourself.

In this video I explain one sneaky *but very legal* trick that almost no one knows about that not only helps you in your credit repair journey, but also raises your credit score nearly instantly.

The sad truth is that there is an entire industry devoted to credit repair and they make hundreds of millions of dollars each and every year when anyone can do their own credit repair themselves and save thousands.

The fact of the matter is that the law is on the side of the consumer! Since the Fair Credit Reporting Act was established, thousands of people have successfully put a stop to harassing collections agency calls, eliminated bad debt, and repaired their credit quickly, legally, and all by themselves.

What those consumer credit counseling businesses won’t tell you (but they know all-too-well!) is that their services often do more harm than good! It’s true! When they make so-called “special arrangements” with your creditors, all they are doing is making an agreement on your behalf that you will pay off a percentage of the debt! But the bad part is that your credit is still damaged!

I show you how to not only get rid of the debt that you have (often for free) but to clear those bad credit trade lines off of your credit report, which will then raise your credit score!

Be sure to check out the second part of this video at http://CreditRepairBook2010.com

Duration : 0:5:19

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Be the first to comment - What do you think?  Posted by admin - September 4, 2010 at 12:15 pm

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HDTV Secrets – Fix Bad Pixels and Why 720p Often Wins

Best HDTV Tips, Tricks and Secrets: Some simple DIY remedies for fixing stuck HDTV pixels. The Top 5 Best Car Chase Scenes in HD Movies. Cheap Big Screen Monitors that aren’t crap! When 720p makes more sense than 1080p. Not all rear surround sound speakers are the same: dipole, bipole, or direct. HD Nation!

Duration : 0:20:52

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25 comments - What do you think?  Posted by admin - September 3, 2010 at 5:50 am

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CREDIT REPAIR FAST

www.bestbeaconscore.com THIS VIDEO IS AN AD FOR CREDIT REPAIR, CALL AND FIND OUT HOW TO REMOVE COLLECTIONS, INQUIRIES, CHARGE OFFS, REPOS, BANKRUPTCIES, CELL PHONE BILLS, CREDIT CARD COLLECTIONS, CHILD SUPPORT ERRORS, MORE. MONEY BACK GUARANTEE, DON’T WAIT. TIME IS MONEY.

Duration : 0:2:21

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1 comment - What do you think?  Posted by admin - August 27, 2010 at 10:51 am

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Credit Repair Secrets

http://www.addicted2credit.com

Don’t believe the hype. We are not heading for a recession. We are in a recession. Right now, your credit is all you have. If your credit is not where it should be, please watch this video. Or visit http://www.addicted2credit.com

Duration : 0:7:20

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1 comment - What do you think?  Posted by admin - August 25, 2010 at 9:18 pm

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Time To Apply For A Credit Card?

Time To Apply For A Credit Card?

Duration : 1 min 31 sec

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Be the first to comment - What do you think?  Posted by admin - August 19, 2010 at 9:45 pm

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Advice to 23 me PART 3 – My Financial Redemption

Sorry if this video feels rushed at the end. Until you make Youtube partner, your videos have a 10 minute limit. I tried to fit a LOT into one video to prevent having to split it into two.

0:01 – Life with bad credit
- how it affected my business practice and living situation

4:35 – Keeping a positive mindset in spite of my credit situation
-Moving on with my life, focusing on my goals

5:46 – Finally, I treat myself and enjoy my successes a little. ;-)

Finally the moment a lot of you have been waiting for.
How exactly did I rebuild my credit?

Please note: I will NOT be answering any questions related to credit rebuilding. Everything I have to offer you is right here. I’ve given you enough leads to learn more on your own. It is time to take responsibility to educate yourself!

Step 1: Check ALL three of your credit reports -( checking your own scores does NOT work against you like “hard inquiries”, which result from applying for new credit)

You can check them ALL here for FREE (once a year)

https://www.annualcreditreport.com

AnnualCreditReport.com is a centralized service for consumers to request free annual credit reports. It was created by the three nationwide consumer credit reporting companies – Equifax, Experian and TransUnion.

AnnualCreditReport.com provides consumers with the secure means to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies in accordance with the Fair and Accurate Credit Transactions Act (FACT Act).

Here are the 3 INDIVIDUAL Bureaus:

Transunion – http://www.transunion.com/

Equifax – http://www.equifax.com

Experian – http://www.experian.com

Your credit report should be FREE.
I would NOT recommend buying credit scores from any of these bureaus. They are not the industry standard. The only true score is your FICO score which can be obtained here:

http://www.myfico.com/Default.aspx

I warn you though, FICO scores are expensive! Something like $14 for each credit bureau score. If you choose to buy your scores, try not to make a habit of it. For one, they don’t change drastically. Once a year is probably more than enough. Take it from a former “FICO checking” addict. I know! LOL!

Step 2: Check your reports for accuracies/ if there is inaccurate information, make sure to notify the bureau to make the corrections

Step 3: Understand the Statute of Limitations for the state in which you incurred your debt – this is how long a company has to sue or pursue you for a debt

Not sure? Check it here:

http://tinyurl.com/ybjgocv

“By federal law, all debts must be removed from a credit report after seven years (US Code Title 15, ยง1681c).”
Source: http://www.bills.com/blog/credit-reports-seven-years/?rbc=bills+ssp

Another great resource is the creditboards.com

STEP 4: Wait it out & work to establish good credit in the meantime by paying your bills on time. You can also look into “secured credit cards” which require you to put down a deposit for a year (usually) Your credit limit will match your deposit amount. After a year (usually) your money is returned to you and the card becomes UN-secured. Use it wisely! This is your chance to rebuild positive credit history and improve your score.

Paying off your old debts will NOT result in your negative history being removed. Only TIME can heal that wound. lol.
I paid the vast majority of my debts. I didn’t bother with the ones that were 6.5 year in and about to expire from my reports. I just wanted to be done with it. How you handle your business is entirely up to you. But paying off your old debts is REQUIRED before anyone will give you a loan for a home. Paying off your old debts will update them as “PAID” on your report and that may help you in other areas and financial pursuits.

Remember, none of this will change overnight. TIME is the only true cure. I got myself out of the hole I dug for myself. You’ll have to do the same for yourself.

So I have nothing left to add. If you feel that you are more of an expert, please leave information in the comments section OR create a video response. But I will not be taking or answering ANY questions about credit repair. I’ve given you several leads–you must take responsibility to educate yourself.

Duration : 0:9:59

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25 comments - What do you think?  Posted by admin - at 2:23 pm

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Robert Manning: Credit Card Nation: The Consequences of Americas Addiction to Credit

New federal credit card rules that took effect Monday promise to outlaw the most egregious practices of the credit card industry that have plunged customers into insurmountable debt. The Credit Card Accountability Responsibility and Disclosure, or CARD, Act includes new protections for customers under twenty-one and makes it illegal for credit card companies to retroactively increase rates and charge certain types of misleading fees. But many credit card companies have already been trying to find ways to bypass these new rules by reinstating annual fees, cutting credit limits and hiking interest rates. Credit card issuers established or expanded the use of at least eight hidden charges to circumvent the rules, according to a report from the Center for Responsible Lending.

Duration : 0:10:1

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Be the first to comment - What do you think?  Posted by admin - August 16, 2010 at 3:55 pm

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Credit Repair Rip-Offs and a Better Option

http://www.CreditRepairMagic.com

Credit repair law firms and credit repair e-books are rip-offs in our opinion and this video will explain how they are scamming you.

You will also learn why credit repair software is the best option to fix your credit fast.

Credit Repair Magic is much cheaper than a law firm, much more effective than any e-book, and much faster and easier than any other credit repair choice.

Credit repair review sites rate Credit Repair Magic #1 for value and simplicity. Click below to find out why.

http://www.CreditRepairMagic.com

Duration : 0:10:0

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Be the first to comment - What do you think?  Posted by admin - August 9, 2010 at 12:33 am

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Credit Repair Miami Fl – Identity Theft Protection

http://www.FreeCreditEbook.com Even though you have learned the process and ins and outs of the process, still you may be unsure. Laws keep changing and it becomes very difficult for person not in the same profession to keep up to date.

Duration : 2 min 11 sec

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Be the first to comment - What do you think?  Posted by admin - August 5, 2010 at 12:18 pm

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Credit Repair Miami Fl – Teach Your Children about Credit

http://www.FreeCreditEbook.com Even though you have learned the process and ins and outs of the process, still you may be unsure. Laws keep changing and it becomes very difficult for person not in the same profession to keep up to date.

Duration : 2 min 31 sec

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Be the first to comment - What do you think?  Posted by admin - August 4, 2010 at 7:25 am

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