1. After the dust cleared, two great companies were left standing.

Here’s our recommendations:

Lexington Law

PRO’s

• Lexington Law is arguably the largest credit repair company on the net. Founded in 1991 and serving over ½ million clients, Lexington Law is a trusted name in credit repair. Lexington Law has 22 attorneys and 400+ paralegals on staff ensuring the highest degree of professional help. The past clients we interviewed were very happy with their services.

Proven track record-

• Lexington Law provides a full report for last quarter credit disputes won in the clients favor. Lexington also states they removed a total of 600,000 questionable negative items last year alone! 2008 Quarterly Report

• Federal Trade Commission – Had no negative reports on Lexington Law.

• Strong refund policy that reads:

“As a consumer advocacy law firm, Lexington Law is committed to ensuring the rights and fair treatment of our clients. This commitment is exemplified by our own refund policy. We believe that you should not have to pay for services that have not been properly rendered. Our refund policy is simple: If we fail to provide the agreed-upon services to you (as outlined by your selected service level) for any given month, you will not be billed for that month, or will be refunded your fees for that month if your payment has already been processed.”

• Better Business Bureau rating: A-

CON’s

Size-

• Although they do offer the biggest team, this may also be the biggest drawback for those of us that crave a little personal attention. With Lexington Law, you will find that many of their systems are “help yourself” in nature. And while Lexington still does the credit disputing, you’ll need to log into their website and initiate the services they offer. Think of it as automatic with a touch of do it yourself.

• Better Business Bureau – reported a total of 284 complaints in the past 36 months alone. Please note: ALL THESE COMPLAINTS HAVE BEEN RESOLVED as reported by the Better Business Bureau. Most of the 284 complaints could be sourced to refund or exchange issues (76) and billing or collection issues (96)

• In our opinion, this is still a VERY GOOD track record considering the case load that Lexington Law handles. The Better Business Bureau report would not scare us from using their services because they get results.

Sky Blue

PRO’s

• A proven nationwide credit repair company that has been in the business since 1989. Sky Blue offers Great value with a personalize touch. While both companies offer unlimited disputes, Sky Blue provides the MOST customer care. They also keep things simple with a single monthly fee and offer spousal discounts

• Better Business Bureau rating: A+

• Federal Trade Commission- NO negative information reported.

• Rock solid refund policy that reads:

“We offer the most simple and reassuring guarantee in the business. If you are not satisfied we will refund your money in full. No questions asked.”

CON’s

• It’s a stretch trying to find something negative about a company that has done so well in this business. We did note: They have only been a Better Business Bureau member since 1/2009. This is not much of a track record. But on the other hand, Sky Blue was founded in 1989 giving them 20 years of experience.

Our winner and personal favorite –

Sky Blue

Because we feel that anything dealing with credit scores, money, and banking requires personal attention. We also like their iron clad money back guarantee, spousal discounts, and simple payment plan.

After examining about 50 other credit repair companies, we also noted many charged as much as $800 dollars for the very same services quoted below.

• Sky Blue -$99 Dollar set up fee and then $49 Dollars monthly. Cancel anytime. This includes unlimited credit bureau disputes.
• Lexington Law – $99 Dollar set up fee, and then $39 to $79 dollars monthly depending on the level of service you require. Cancel anytime.

Without a doubt, fixing your credit is the easiest way to start saving BIG money. And, for the cost of attending a local sporting event, we’ve shown you can hire a very professional credit repair company and CHANGE your financial future.

1. Act Today!

http://nobsvaloans.com/2009/05/va-loan-bad-credit/

The Center for Credit Repair (CCR) has a professional team waiting to serve you. Losing your home to foreclosure can be one of the most stressful events to occur in your life. At CCR, the compassionate, non-judgmental credit repair professionals are there to help save you thousands of dollars in interest rates, and save you from all of those stressful, sleepless nights of worry.

So, you may be asking yourself, “How can I rebuild my credit after foreclosure?” Sure, you could do it yourself; however, the professional staff at CCR knows exactly who to contact and just the right questions to ask. They are also very familiar with the laws and consumer rights.

You may not know this, but if a creditor wants to put something negative on your credit report, they are required to follow a law called the Fair Credit Reporting Act (FCRA). This law was passed to protect consumers, and to ensure that any information reported to the credit bureaus is verifiable and correct. This law is usually not followed perfectly. This could result in huge fines for the creditors, so, when challenged, they usually just delete the negative information from your credit report to avoid penalties. It’s not worth it to them. But this could be extremely beneficial to someone with bad credit who is looking to improve their credit.

Even if you have had something as bad as a foreclosure on your credit report, you could potentially legally erase most of the other negative issues. There is no reason not to try. Even if you really did make a late payment, or skip a few months on your mortgage payment, it doesn’t matter. When you contact CCR, you will receive a free consultation. They will review your credit reports. As soon as you sign up for our extremely affordable service, watch your credit score begin to increase almost immediately!

The benefits of having good credit are endless. Having good credit can save you tons of money. Interest rates on everything from credit cards to cars to homes will be significantly lower. Getting a job will be easier as well, since most employers check credit reports these days. Having a high credit score makes you look like a more responsible, dependable person. The more good decisions you make regarding your credit, the better your credit will become. It is a snowball effect, but it works the same way with bad decisions. The longer you wait to start rebuilding your credit after foreclosure, the worse your credit will become.

There is no way of getting around the fact that foreclosure will negatively affect your credit. But life goes on, and you must do everything possible to improve your credit. Fixing bad credit after foreclosure, or other major financial issues such as bankruptcy or repossessions, is possible. CCR has helped thousands of clients understand their credit reports and the laws that are in place to protect them. CCR has successfully and legally helped clients recover from mortgage foreclosure, bankruptcy, and other credit issues. There is no reason not call for consultation. It is free and could save you thousands in the long run.

Nicely help is out there. Some locations want to charge you to repair the problem, and this may possibly be excellent for some, but there are steps you can bring to test to fix it yourself. The methods are not tough, but demand persistence, organization, a good attitude and time, and with these numerous of your credit concerns can be resolved. The self help credit repair process has four methods, identify your credit record difficulties, acknowledge and dispute bad credit report listings, remove unfavorable credit record listings, and exercise excellent credit habits.

The initial step in self help credit repair is to identify your credit report difficulties. You ought to know what is leading to your credit score to be so low this way you can make plans to fix it. Obtaining a copy of your FICO credit rating is the finest course of action. This credit record will detail not only the credit rating that most lenders see, but also will detail, line by line of your credit statement listings. You can acquire a free credit statement at annualcreditreport.com but it will not have your FICO credit report. Knowing your credit credit score offers you a benchmark on which to know what methods to acquire up coming in self help credit repair.

Ok increase your proper hand and repeat, I, (say your name) am in one particular way or an additional liable for anything that is on my credit report, either by way of careless use of credit, very good use of credit, or fraudulent or inaccurate actions against me that has not been disputed or eliminated. The second action is acknowledgment of your credit survey. Regardless if its excellent or poor, appropriate or incorrect, what you will see in your score is yours for correct now. In self help credit repair, you will dispute the inaccurate listings, look at to eradicate the bad ones which are true, and test to repeat the actions which gave you good listings.

Which leads to the third action, disputing bad credit report listings. As a rule of thumb, dispute anything negative. The burden of proof will then be thrown on the creditor to prove its truth. Credit bureaus don’t want to hear that, but they operate in opposition to you in each and every way probable, due to the fact the creditors shell out them more money. They would rather err on the side of the creditors but at times you might catch a break, by a creditor not verifying an old credit card debt inside the statutory response time. To make certain your disputes aren’t kicked back by the personal computer, don’t use a template of r a dispute form. Computers with optical character recognition filter out templates and will reject the credit report disputes before it even reads them in some instances. Attempt a handwritten style font if you sort it or even hand-write it yourself. This way a human can read it and perhaps make your self help credit repair disputes much more of a achievement.

Lastly, following acknowledging you are accountable for almost everything that is on there, lets test to produce much more good listings on your credit statement. Self help credit repair isn’t just fixing your credit statement, its enhancing your future credit as effectively. Pay out down your revolving credit cards, to lessen your overall credit usage, and often pay your bills on time.

These four actions can go a long way in self help credit repair.

Wanna know wherever to start? Go through much more about Self Help Credit Repair

Thus to improve credit score, usually pay off higher interest rate credit cards to superior manage other debt payments later on. Tend not to also close credit card accounts drastically as this will cause a lower inside your credit score. The point is you will have to show your creditors that you simply are capable to effectively preserve out there credit and manage to pay debts on a regular basis and promptly. On the FICO scores, the goal is always to get a greater credit risk by acquiring a increased credit limit. A higher credit threat translates to a greater credit score only for anyone who is ready to preserve least an available balance of 70% or additional of the credit limit. Not paying off a debt making use of another debt may possibly be wise, having said that, if another loan with better interest rates and terms will enable you to handle a increased rate of interest debt and lower it down drastically, then it may well the best route.

Ultimately, examine your credit reports for any errors that could hurt your credit score. Any unjustifiable and inaccurate negative facts might be disputed only with supporting documents. Over 50% of credit reports nowadays are plagued with several errors which could be rectified in at least 30 days. When you have legally removed a negative item on the report, this immediately your improve credit score. Any dispute ought to be produced in writing and need to be supported with documents for proof and then submitted to the 3 credit reporting agencies namely Experian, Equifax, and TransUnion. You could possibly as well send the dispute for the distinct agency which had that negative data as each and every has its own set of reports.

The FACT Act that was passed by Congress back in 2001 allows all consumers one free copy of their credit report per year. For this, you will need to go to either www[dot]annualcreditreport[dot]com or www[dot]freecreditreport[dot]com. Sometimes one of the agencies will provide you with the one report for free, but you are best off to go to one of these websites.However, if you are serious about credit repair, you will really need to obtain copies of all three credit reports. Creditors are not required to report to any of the agencies, and often they will just report to one. Having all three credit reports on hand will help you make repair to your credit more effectively and more thoroughly.

Once you have these reports in hand, go over them “with a fine tooth comb”. Check for any errors such as accounts that have been paid off but are still appearing as delinquent or accounts that you never opened or used in the first place. If you do find errors on your report, it is essential that you contact the credit bureau to make the correction if you want your credit repair efforts to be thorough.After checking your credit report, the essential part of making repairs to your credit is to change the way you are using credit. That includes making all payments on time and not using credit the way you used to. While it’s true that it’s virtually impossible to go through life today without using credit, you can use it wisely and not end up in trouble down the line.

The following are the steps needed to be taken to help with credit repair:

• Obtain the credit report from the credit history bureau and examine it carefully. If you find any mistake with you report, you can file a dispute with the agency. The agency will send the notice to creditor on your behalf and you will get a chance to prove the mistake that has occurred.
• Try to repay your debts. Behave responsible for your acts, also you can negotiate with creditors to lower down the rates and give some extra time to repay the debts. During the second negotiation you should behave practically and get all the agreements in written.
• You can recover you bad credit by paying all the pending bills that has been reported to agency. More than that, one should stop shopping with credit cards and try to reduce the debt by putting sincere efforts.
• By adopting the positive attitude and efficient efforts for repayment, you would gain trust from the previous creditors and you can ensure them for the payments and take some extra time from them. These would help to recover the bad credit report.

If you start to get help with credit repair by yourself slowly but effectively you will obtain the results. But if you don’t want to involve yourself in this traumatic task and need someone else to help with credit repair, you can hire an expertise and experience professional to do it for you. You have to give charges for the provided services.

There are few well-established and reputed firms providing the finance to repay your some debts on your behalf and give you some extra time for repayment of the total amount. There is Credit Repair Organization Act to control the services of the companies involved in business of providing help with credit repair.

One possible route to a better credit rating is a Creditbuilder loan. This is a loan that runs alongside prepaid cards, which can be used to pay for everyday purchases. For example, customers of the Cashplus prepaid Gold MasterCard® can get a full year’s worth of monthly fees with no added interest advanced to them. The money is paid to Advanced Payment Solutions Financial Limited (AFL) for the card, so there is no actual money available to spend. The loan is then paid back on a monthly basis directly from the consumer’s account. Cashplus then report both positive and negative repayment behaviour back to the credit reference agencies.

Cashplus have experienced success with their Creditbuilder loan, which has now been running for over two years. In some cases consumers improved their personal credit rating by up to 40% in just 12 months. The whole concept of a prepaid credit card can be a seen as a step forward for people wanting to establish or repair their credit scores and demonstrate overall financial responsibility. Of course, the consumer will have to meet their repayment commitments with both Cashplus and any other company that they may have agreements with.

This type of innovative prepaid card product can aid consumers who don’t have a traditional banking relationship, as it eliminates the need for a credit check. This is important at a time when consumers are looking to improve and repair their credit ratings without the risks associated with high-cost borrowing.

The best way to get the credit repair solutions is to seek help from any well-known credit counseling service; they can provide all the necessary information regarding credit repair and out common people. Credit scores go down when a person is in heavy debt and cannot get out of this. The credit counseling agencies help such people by providing ideas and solutions to get out of such heavy debt. These agencies help the heavy debtors to work their way out of the heavy debts in several ways. When any bank provides loans or even approves credit cards, they gather all the necessary information about the person. If they find out that the credit score of that person is not good enough, then they decline any sort of financial requests made by the person. The credit counseling services provide several services like the budget counseling, savings, debt management training and several more; each of these help common people to a large extent to work their way out of the heavy debts.

However, it is very important to choose a proper credit counseling agency; most of these agencies belong to the non-profit organizations. There are several scammers who can even rip you off, which is not at all suitable for any person who is under heavy debt. Even if you get hold of an inexperienced credit counseling agency, you may not get the necessary help. The inexperienced agencies cannot provide all the necessary help which can help out the heavy debtors. So, people should search a lot and find any experienced and efficient credit counseling agency for proper credit repair. Before hiring any such agency, people should also get proper information about the fees which the agency is going to charge. Hiring any such agency which can charge huge money is not at all advised; it can cause more financial problems.

It is a real serious concern to any person if his credit score falls down as this is going to damage his economic status to a great extent. Therefore it is essential to get the best credit counseling service as soon as possible. As it is commonly known that that the credit counseling service providing agencies are non-profit organizations to help heavy debtors to work their way out of their debt. However, the choice of the credit counseling agency is the most essential decision to make. It is important to keep in mind that there are several credit counseling agencies that you may come around but the fact is that not all of them are trustworthy. In fact the point is that if you are already overwhelmed with debts it is essential that you should look for a legitimate credit counseling service to get out of your debts. The choice is essential for the reason that there are a number of such agencies who instead of providing genuine credit repair solutions they cheat you and worsen your debt conditions. In most states these days require credit counseling agencies and counselors to obtain license before they can offer their services in any state. Thus before you choose such an agency it is better if you can be confirmed about their license. This makes their services legitimate and you can take legal actions if you find them cheating you.

However, it is also a fact that several people are nervous about putting all their personal financial information out for scrutiny. This is the matter of trustworthiness which several people find unconvincing. Therefore it is better you take your time and makeup your mind to choose the credit repair services that you may find convincing and that can genuinely help you repair your credit score. It is the best idea to get all the necessary details about the services they are providing and the plan of action they are going to take on behalf of you. It should always be kept in mind never to sign any paper or agreements or give your social security numbers until you have reviewed all the terms of the agreement thoroughly. Again as the credit counseling fees vary it is essential that you gather proper information about the fees you need to pay and for what reasons that are to be paid. Only being properly convinced in these facts you can trust such an agency and get their help for your credit repair.

Here are a few quality tips to help you build credit score.

The very first thing you need to do is open up a bank account. Most credit applications require you to provide your bank account information and some jobs. These companies want to see that you know how to manage your money. If you show them that you are stable you are more than likely to get an extended line of credit. You can visit your local bank and open a checking account. You must bring proper identification and between $5-$100 to open an account depending on the bank.

Next, you could ask a parent or another relative maybe even a close friend to put your name on their credit card account as an authorized user. This is an easy way to build your credit, the hard part is finding someone to do this for you. You will not have much control over the account but you can use the card to make small purchases. These will show up on your report and will build credit score.

This next option may be a bit out of reach for some but, if you can find someone to co-sign with you for an auto loan your question on how to build credit will be answered. This is probably the fastest way to do this but, just like trying to find someone to put you on their account it can be tuff. If you end up doing this make sure that you pay your payments on time because if you don’t it will effect you and your co-signer. If you don’t think that you can make the payments don’t do this option! You will do more harm than good.

The easiest option that is available to everyone is a pre-paid credit card. There are a lot of ways to obtain one of these but, more and more people are turning to the internet. You are guaranteed to get this and it is guaranteed to build your score. These are available to any and everyone regardless of your history. Even if have filled bankruptcy at some point. There are no credit checks and there is no minimum balance. You use these just like regular credit cards and with each purchase you will make your score go higher and higher.

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