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How Repairing Your Credit Can Save You Money

Over 220 million Americans have a bad credit rating - and it costs them thousands of dollars each year in the form of higher interest rates on everything from loans to credit cards.

Credit reports have become the gold standard for determining a person's financial worth. In some instances, employers even use credit reports and credit scores during the hiring process.

There are several ways in which a poor credit history and low credit score can affect finances.

Having poor credit is not the end of the world. With a little time and a lot of hard work, a bad credit history can be turned into a positive credit history.

The first step one should take toward repairing a bad credit history is to review copies of your own credit report. Reports can be requested through the three major credit reporting agencies: Equifax, Experian and TransUnion. The Fair Credit Reporting Act mandates that all consumers are to receive one free annual credit report from each of the three agencies.

Consumers with poor credit histories also should consult with a consumer credit counseling service, which can help start the process of repairing credit. These services work by helping consumers to consolidate loans and other debt into monthly payments the consumer can afford. There are many such agencies on the market today, but consumers should be careful when selecting one, as not all are created equal.

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Credit Repair In The News

EVERYDAY CHEAPSKATE: How to repair your credit, credit score

Your credit score is a three-digit number between 300 and 850, generated by a mathematical algorithm (a mostly secret formula) based on information in your credit report compared with information on t...

Published:  Tue, 13 Nov 2018 05:45:00 GMT



Credit Repair 101: Alpha Kappa Alpha Sorority, Inc., Rho Gamma Omega Chapter

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Published:  Sun, 11 Nov 2018 08:00:00 GMT



Don't let a refi hurt your credit score

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Published:  Wed, 07 Nov 2018 07:31:00 GMT



Knowing your credit score leads to higher credit scores!

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Published:  Fri, 09 Nov 2018 07:13:00 GMT



North Carolina's Duke Credit Union, weary of upgrade costs, picks Dolphin Debit to manage its ATM Fleet

Dolphin Debit, the full-service ATM management company, took over Duke CU's machines earlier this year, providing the complete range of maintenance, repair, and upgrade services. Dan Berry is CEO of 5...

Published:  Wed, 07 Nov 2018 09:56:00 GMT



Do You Want To Save Over $100,000 Improve Your Credit Score!

Here is the good news if your credit score is low, you can repair it overtime. Do NOT hire a credit score fixer company, as they will do the exact steps you can do on your own!

Published:  Wed, 07 Nov 2018 17:27:00 GMT




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