Creditelves works by taking the information you provide and generating custom letters to credit bureaus on your behalf. You simply print out the letters and mail them to the credit bureaus. It's that simple.


Tag Archives: credit repair

Credit Repair Kit

When you get injured you can always rely on a first aid kit to patch you up. When the hem of your favorite jeans comes undone, you can turn to your handy sewing kit. There is no reason why you shouldn’t have a repair kit for when your credit gets injured as well. Your credit is one of the most fragile things that affect your financial stability. Credit ratings can be hurt or helped, depending on what you do and don’t do. Since your credit rating is determined based on a number of variables, it can change with the slightest action or inaction. There are so many things that can pull your credit rating up or down so you have to be conscious of what is going on with your credit report.
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Self Repair Credit

As with many other things in life, when it comes to repair and protecting your credit, there is no one that should care about it more than you. You are the only one that is truly going to be concerned about your credit rating because this will affect you the most. Having a good credit rating can mean all the difference in your finances and lifestyle. A good credit rating can mean that you will be eligible for loans, lines of credit and mortgages. Even further than this, you will be able to get the best interest rate that is offered. Having a credit rating that is fair or poor, can cost you a lot in the long run. First, you may not be eligible for a loan to begin with. If you do get approved for the loan or mortgage, your interest rate will probably be very high, costing you more money over the term of the loan or mortgage.
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Credit Repair Letter Samples

With the way that the economy is going, many people are being denied mortgages, loans and lines of credit because there is too much risk. If your credit history isn’t stellar, you may not be able to qualify for a home or car loan. You may have trouble with borrowing money in order to send your child to college next semester. All of these problems are avoidable if you take care of your financial issues over time. Just because you have bad credit doesn’t mean that you will always have bad credit. It also doesn’t mean that you are a terrible person. Your credit does not define who you are; it just allows or restricts the kinds of purchases you can make. Your credit can be repaired with the help of a few steps.
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Finding Ways to Fix Bad Credit

Maintaining a good credit rating is crucial to everyday living. In fact, having a solid credit score enables you to make big purchases such as your dream house with the best interest rate offered. However, many people overuse their credit, can’t keep up with the payments and end up having a bad credit score. If you find yourself in this situation, you need to find ways to fix it.
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Clean Up Credit Score

It is always helpful to invest time in cleaning up your credit score. This is mainly because your credit history follows you wherever you go, be it a new place or a new job. Your new lenders may be interested in knowing your reliability and will base it on your past history of financial dealings. It is quite possible that sometimes your credit report requires some cleaning up to do and be sure that it is possible to do so yourself. Although it might look like a daunting task, cleaning your credit scores is not as difficult as it looks like.
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Credit Repair Forms

If you are trying to increase your credit score, there are a multitude of credit repair forms that you will need. These forms include credit repair kits and can be found easily with many credit repair companies. Since there are many forms that should be filled, it is easy to get lost. Which forms should be filled, how should they be filled out and so on. Some simple suggestions that have worked for many people are discussed here, to help in filling the forms for credit repair and improving your credit score.
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Dispute Letters to Creditors

Dispute letters to creditors are all part of the process of getting your good credit name back if you’ve gotten into a little trouble over the years. It all starts with copies of your credit reports, which you can then check for errors. These errors can be disputed with credit reporting agencies (TransUnion, Experian and Equifax) with a dispute letter (although Experian prefers you conduct the dispute process online). Errors on your credit report might include such items as charges that are over seven years of age. The law requires that these items be removed after that period of time; bankruptcies however, take ten years to come off.
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Fixing My Credit Report after Bankruptcy

A blemish on your credit report, such as filing bankruptcy, can (except in special situations) stay on your credit record a maximum of ten years. But, generally after seven years you can legally have it removed from your credit report. It is the law that these derogatory marks on your credit can be removed by credit reporting agencies and the creditors that report the information.
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Bad Credit Repair Advice

It is not the end of the world if you have bad credit. If you’re serious about clearing it up and having a healthy credit score (and opening up the world that creates) then you can do it yourself. It takes a little time, a lot of persistence, and confidence in yourself, but it is a worthy goal. Good credit means you can buy the house, car or business you’ve been dreaming of. Bad credit can not only mean you won’t get a loan from anyone, but even trap you in your present job or mean you can’t get employed, period. More and more employers are using credit checks as a means of character reference, and if yours is bad, a lot of opportunities might be lost to you.
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Bad Credit Repair Credit Restoration Kit Do It Yourself

If you’re among the millions of people who have bad or questionable credit, you may have recently realized it when you got a copy of your credit report from one or all three of the major credit reporting agencies. Looking over those sheets of paper can be daunting and depressing, and it might seem like an insurmountable task to get your credit repaired. But that’s exactly what you have to do if you want to make a major purchase such as a car or home. You need to get your credit straight simply to save yourself money if you already make payments on a mortgage, credit card or loan. The banks are charging you more than someone with excellent credit, because you are a bigger risk in their eyes. A history of late or non-payments to other creditors or utility companies may have caused your current lender to charge you the very highest interest and fees possible, just in case you don’t make good your load. Your peace of mind is greatly enhanced with just taking the steps of getting your credit report, and further peace comes when you start knocking those negative marks off your report, one by one.
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