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

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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Affordable Credit Repair

In today’s difficult economy, millions of people with long histories of responsible financial behavior are finding themselves in need of affordable credit repair services. Many people who have been living paycheck to paycheck, but always paying their bills on time, have experienced sudden downturns in their personal financial situations due to unexpected illness or unemployment. Small businesses that relied on easy credit for operating cash have suddenly been faced with cash shortages due to the reluctance of banks to continue extending credit to them.
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Credit Repair Tools

Having bad credit is problematic for anyone. This becomes evident when the need arises for a loan such as a mortgage. Anyone with credit score bordering on 600 needs to get their credit rating improved. To do this calls for the use of various credit repair tools.
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Credit Repair After Bankruptcy

Once you've filed for bankruptcy, you might think that your credit is ruined forever. The good news is that's simply not true. Bankruptcy only remains on your credit report for 10 years, and during that time there are a lot of things that you can do to help improve your credit score. Even with a bankruptcy on your credit, after a few years (often three) you can qualify for a mortgage. You can also generally get a car sooner than that, and start qualifying for credit cards again. Some companies start sending out pre-approved, secured credit cards offers to people almost as soon as the ink is dry on the bankruptcy discharge papers.
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