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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

Loans for bad credit

There's also an upside to getting approved for a bad credit loan: if you pay it back on time you can repair your finances and establish a good credit profile. Having bad credit doesn't always mean tha...

Published:  Thu, 14 Feb 2019 07:06:00 GMT



29% of Americans Have More Credit Card Debt Than Emergency Savings

That's because credit utilization is a big factor that ... should be able to not only pay for a major expense, like a home repair or medical bill, but also get you through a period of unemployment ...

Published:  Thu, 14 Feb 2019 03:18:00 GMT



Credit Advisors Council - Credit Repair Delray Beach Provides Consumers Credit Counseling Services to Help Fix Their Credit

Delray Beach, FL - Credit Advisors Council - Credit Repair Delray Beach office has credit advisors, credit consultants and credit counselors working to raise awareness about the financial impact of co...

Published:  Mon, 04 Feb 2019 10:55:00 GMT



Zorro Credit Repair Opens New Miami FL Office

January 29, 2019 - - Zorro Credit Repair has announced that they have opened a new office in Miami, Florida. According to the company, their aim is to reach out to more people to help them get their c...

Published:  Tue, 29 Jan 2019 12:51:00 GMT



Mortgage Credit Repair

You have more chance of your lender approving your mortgage or offering you low interest rates if you have a good credit score. Your credit score tells lenders how reliable you are as a borrower. The ...

Published:  Sun, 27 Jan 2019 16:00:00 GMT



Put credit repair on New Year's resolution list

An old friend not only was a victim of credit fraud this past year, but his family's passports also were stolen just two weeks before a long-awaited Christmas vacation. Stuart, 60, took all the right ...

Published:  Sun, 06 Jan 2019 02:26:00 GMT



14 Reasons Why You Should Sign Up for Credit Repair Today

[Disclosure: Lexington Law Firm advertises on Credit.com and Credit.com may receive compensation if you sign up for credit repair services with Lexington Law Firm.] Having a great credit score is one ...

Published:  Wed, 05 Dec 2018 05:03:00 GMT



How a man paid $2,500 to a credit repair agency to "˜do nothing'

"Doing nothing" can be a lucrative venture for credit repair companies but financially crippling for Australians, a Senate inquiry into payday lenders and credit services has heard. Established last y...

Published:  Sun, 13 Jan 2019 19:11:00 GMT



How to spot a credit repair ripoff

Memphis, Tenn. - Credit repair companies claim to help consumers quickly boost their credit score, but a News Channel 3 investigation found customers who claimed they made a costly mistake. WREG also ...

Published:  Thu, 15 Nov 2018 19:14:00 GMT



Credit repair: Six top tips to improve your credit rating

Q: I've recently turned 25 and have been doing a lot of thinking about my finances and the steps I need to take to improve my overall financial situation. With some help from my mom I've set up a budg...

Published:  Mon, 05 Nov 2018 03:24:00 GMT




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