Making Sure Your Credit Report Works For You

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Your current situation. You have got several credit and store cards and several loans. You are finding it difficult to make the payments each month. Generally you do make the required payments but this means that other parts of your like are suffering. You've got no spare cash for the occasional night out or weekend away. Even making the minimum payments each month means that the outsta... Read debt consolidation article



How to escape debt
They were both just twenty-five, married for two years, and the financial noose of heavy debts was already closing in on them. They were over twenty thousand dollars in debt. This included angry creditors, harassing phone calls from collectors, and no one to bail them out.

"The truth is I saw it coming, and maybe I was even an accomplice," says Janet Listman. The Listman's live in one o... Read debt consolidation article



Making Sure Your Credit Report Works For You
You just filled out a mountain of loan application forms. Now, you wait for a call from the loan officer. You feel confident; loan applications have never been a problem for you. The phone rings and your loan officer says, there's a problem with your credit report. Your frustration increases because you know your high FICO Score (Fair Isaac Credit Organization) saves you money. Something must be inaccurate on your credit report. Now what?

Since credit and identity verification play a major role when applying for a loan, take action to get the FICO Score you deserve on your credit report. FICO uses a mathematical model when giving every creditor a score. FICO scores:

* Your payment history

* Your debt level (how much you owe now)

* What types of credit you used in the past

* Your credit history (how many years have you been borrowing)

* Your most recent credit approvals

If you think you are the only loan applicant with credit report inaccuracies, you are not! Mistakes on credit reports are the norm. Errors on credit reports affect more than 75 percent of consumers. Misrepresentations on your credit report hurt you in a number of ways.

Loan report errors may keep you from getting the job you want. Many employers use credit reports when considering you as an employee. Loan report errors may cost you more when applying for insurance coverage; insurance companies raise rates for people with low credit scores.

When you get turned-down for a loan, get a higher interest rate than usual, get turned-down for a job, or your insurance premiums are rated highly, you can get help. If your credit report led to these higher costs for services, you are eligible for credit repair.

Finding credit report errors is the first step. Most of us just have no idea how to fix these errors. Getting turned-down for credit disappoints and frustrates. Fixing the problem yourself may overwhelm and discourage. Getting help from an expert will help you work through these issues professionally and effectively.

Of course preventing these mistakes on your credit report is the first step toward credit prevention and protection. Fixing credit reports takes a lot of time; get professional help to fix them before you run into problems and embarrassment. Asking for help saves you time and money. For example, an undiscovered credit report error could cost you one to two percent in interest rates on a $100,000 mortgage making you pay more than $40,000 in over-payments during the life of the loan.

The Fair Credit Reporting Act guarantees the right of the consumer to dispute any inaccurate and erroneous or obsolete information showing up on your credit report. A credit expert helps you exercise your rights guaranteed under this Act. Take your first step by reviewing the credit repair resources found at Better Credit Repair.com

Larry Guidi is affiliated with Benchmark Literacy Group Credit Educational Services as an independent representative. He offers consumers a 12-month clean credit checkup through the three major credit bureaus: Experian, Equifax and, TransUnion. Larry is a well-known advocate of consumer reporting accuracy. You may call Larry Guidi (408)210-4035) and learn how he can help you increase your credit score. Learn more about his services at Better Credit Guaranteed.com - Copyright 2005 Larry Guidi

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How to deal with debt

Do you enjoy your job and do you think that you get paid enough?

Will this source of income be enough to pay off all your credit card debts and provide you with a decent pension?

When do you plan on retiring?

This strategy allows you the opportunity to earn an unlimited income and have time to enjoy quality life with your family and friends?

I appreciate that this sounds too good to be true?

Well,at this stage keep an open mind and reserve judgement until you've tried this strategy!

What is it and how does it work? I hear you say.

The strategy is based on generating additional income by saving money on a wide range of goods and services and earning money by recommending the service to others.

It has been called one of the most ingenious debt strategies in the world.

Basically this is how it works:

Firstly you save money by buying everyday goods and services you use in the home, at cost price.

These are top quality products with money back guarantee, which are not available in the shops.

Once satisfied, you can recommend the service and opportunity to other people.

By the way, all your shopping is done from the comfort of your home on the internet, with goods delivered to your door.In this way you are not tempted to make unecessary purchases, as is so often the case when you visit the shops.

An useful tip is to start paying for goods with cash rather than credit card.It's amazing how you will think twice before spending your hard earned cash, on unwanted junk.

Now, we move on to the part where you start generating an income to pay off those credit cards or build your pension fund:

As you recommend the home shopping servcice to other people, a network of satisfied customers build up beneath you as a network.

It works like the scheme used by supermarkets, where you earn points for shopping, which can then be used to get a discount on future shopping.

Only in this case, all the points earned by all the shoppers in your network, count towards your monthly points total!

The really exciting part is, that the company supplying these goods and servcies, will convert your points in to a cash bonus which will be paid in to your bank account each month!

This payment system is as fair as you get, because all those people in your network earn a cash bonus also each month.

This company is different to the big shops because they do not own flashy stores, only warehouses and do not spend any money on advertising.

They use word of mouth advertising (people like you and me)and then pass on the benfits to ordinary people like you and me, who are interested in escaping from the dreaded rat race.

In my opinion given the endless number of get rich quick schemes that we are bombarded with daily, this strategy is realistic and built on sound ethics with good long term prospects.My hope is that this will give people plagued by debt and no prospect of early retirement, some hope.

Further FREE information available if you e-mail: aled@cwmhalen.freeserve.co.uk

Aled Evans is dedicated to helping people to improve their financial well being and providing them with realistic advice on how to deal with debt problems or concern regarding pension prospects.


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Making Sure Your Credit Report Works For You
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