http://creditrepairanddebtsolutions.com Bad Credit Repair | Debt Management Solutions Wed, 04 Nov 2009 02:56:38 +0000 http://backend.userland.com/rss092 en Trying to choose a credit repair service can be a little overwhelming since there are so many out there. This article will help you narrow down your options by outlining what you should be looking for in a good credit repair company. Fees and billing tactics-A desirable credit repair ... http://creditrepairanddebtsolutions.com/how-to-choose-a-credit-repair-service/ Reader question: If I pay a delinquent account, how long will it appear on my credit report? What are the best options in your opinion? My answer: All delinquent accounts remain on your credit report for 7 years from the date that the account first became delinquent (unless ... http://creditrepairanddebtsolutions.com/reader-question-if-i-pay-a-delinquent-account-how-long-will-it-appear-on-my-credit-report/ Wondering how to build credit, when it seems that you need credit to get credit? This article is not only for those of you who have never used credit, but also for those of you who have repaired your bad credit and are starting with a clean slate (sometimes ... http://creditrepairanddebtsolutions.com/how-to-build-credit/ I strongly encourage my readers to check their credit reports regularly. Why, you ask? Just about everything we do these days hinges on the contents of our credit reports. The days of not giving your credit much thought unless you were planning to apply for a loan, are long ... http://creditrepairanddebtsolutions.com/check-your-credit-reports-regularly/ If you're like most people who want and need to get out of debt, you probably feel overwhelmed and aren't sure where to start. This article will outline a plan with the specific steps you should take to get out of debt. A lot of this advice may ... http://creditrepairanddebtsolutions.com/how-to-get-out-of-debt/ Inquiries on your credit report may be hurting your credit score, so don't ignore them when you're scouring your credit report for inaccurate or questionable items! "Hard" vs. "Soft" Inquiries There are two types of credit inquiries: "hard" and "soft". Only hard inquiries hurt your credit score. Hard ... http://creditrepairanddebtsolutions.com/inquiries-on-your-credit-report/ A pay for delete agreement is a tool you can leverage to remove collection accounts from your credit report. Any time you request validation from a collection agency/junk debt buyer and they respond with adequate validation, you’ll need to pay them, but you should always attempt to negotiate a pay ... http://creditrepairanddebtsolutions.com/pay-for-delete-agreements/ Here is a sample nutcase letter. "What in the world is a nutcase letter, and what would I use it for?", you ask? The purpose of the nutcase letter is to convince a creditor or collector to remove a derogatory listing from your credit report that is paid ... http://creditrepairanddebtsolutions.com/sample-nutcase-letter/ 5. Start your disputes. Since I'm sure you did your homework in part 2 of this series ;-) you should have a basic grasp on how to dispute items on your credit reports. Refer back to the articles listed in step 4 as needed. Here are some sample ... http://creditrepairanddebtsolutions.com/how-to-repair-your-own-credit-report-part-3/ 3. Identify and mark the negative items on your credit report. Here are the items you're looking for: -late payments -charge-offs -collections -bankruptcy -judgments -repossessions -foreclosures -tax liens -inquiries that you don't recognize as belonging on your report 4. Stop! It's time to do some homework! I bet that's not what many of you wanted to ... http://creditrepairanddebtsolutions.com/how-to-repair-your-own-credit-report-part-2/