Top Credit Reporting Agencies in Englewood, CO 80113
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By Ashlynn October 25, 2011
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What to Expect from Credit Aid
What to Expect from Credit Aid If you have less than perfect credit and are looking to make a major purchase soon, you may be in need of credit aid. There are a plethora of companies offering to help you fix your credit overnight, using tricks that will give you a perfect credit score. These claims are false and you should not take any company seriously who claims to be able to force a better credit score. Any posturing about legal pressure or tricks to have items removed are also false. If you have a bad credit score, the best thing you can do for it is to change your habits and stop adding negative items to the report. Applying good habits to your spending and to your bill paying over time is really the only way to maximize your score. Having said that, there are different forms of credit aid which may be available to you. For one, reputable companies (or your own research and efforts) can assist you in making legitimate disputes about items on your credit report. If you have items that you know are in error, you should definitely follow the dispute process made available to you through the 3 credit reporting agencies. Another great thing you can do is use your banks bill payer service to run good items on your report. Essentially you setup to pay for an item with your card, and then each month pay that same amount to your credit card company, before interest is applied or the bill is due. By doing this you slowly increase your credit by adding 1 good entry at a time. If you have revolving debt, you want to keep your balances at 15% or less of the amount available to you. If you are paying down an installment loan, you want to take at least 7 months to pay it off; this is because the increase it creates on your score is divided into 6 month blocks. As such, if you make 7 monthly payments you get two 6 month blocks (partial blocks count). There are other tricks like this that can help you slowly rebuild your credit in a legitimate way. Really the only way to fix your credit is to make it as accurate as possible and to try to utilize good payment habits from now on. You should reach out to a reputable credit advise company for more information. For more information, go to www.creditnowusa.com/Credit-Aid ...read more
By Creditnowusa.com April 03, 2011
What Does It Mean to Consolidate Debt and How Do I Begin the Process?
If you will have a large amount of money that you owe you no doubt have begun exploring strategies to get out from under this excessive debt load. One thing you may have considered is to consolidate debt. But what does it mean to do this and how you begin the process of consolidation.There are really two ways to consolidate debt. The first is to obtain some type of loan. To begin this process you must find a company which offers loans for the purpose of consolidation of debt. These are specialized lending companies which understand the circumstances of those who require this type of service and typically will understand how to reach out to your creditors in order to include them in your consolidation plan. Once you are approved for one of these services they will attempt to speak to your creditors in order to pay them in part or full and include all of this amount which they had paid on your behalf in your new loan which you owe to them.The second way in which you can consolidate debt is by going through a service which does not in fact lend you money simply works as a go between for you and your creditors. So for example if you owe $1000 each to three separate credit cards then this service would send you a bill for the minimum amount owed for these cards which you would pay them and they would in turn pay those credit card agencies. This is more of a service to help you stay organized and to not feel overwhelmed by a large volume of people to whom you owe money.www.creditnowusa.com/Debt-Consolidation ...read more
By Creditnowusa.com March 13, 2011
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