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Start your clean credit report process by knowing exactly what is on your credit record. Each of the three major reporting agencies will provide a free copy of your credit report each year. This makes it easy to identify any problems that need fixing. (more…)

There are debt settlement companies which attempt to help consumers set up debt settlements with their creditors, but they often charge excessive fees. Before working with a settlement company, you may try writing your own agreement to settle debt letter. Below is a sample letter you can use to send to your creditors – edit it to suit your unique situation and fill in the required information. Be sure to make two copies and send one by certified mail to each creditor you want to settle your debts with. (more…)

Have you thought about how to consolidate credit card debt? I understand how you feel. You certainly aren’t alone – everyone else in the world is also sitting on a giant hill of debt that collects more interest than the paycheck coming in every week. And you are probably stressing like the rest of the world about how to make the minimum payments, let alone pay off the balance, and you’re probably feeling pretty beat up about it. (more…)

“You have been denied credit because of information in your credit.” This is the dreaded turned down letter that many people do not want to receive when applying for credit to purchase a product or service. When your credit is “bad” normally you know without having to pull a report the state of your payment history. If you are declined for credit, (more…)