Clean Up Your Credit Free Cleaning Up Your Credit Report A good score helps you get the best loans. The loan officer will be glad to see you because you will: Qualify for a larger loan Get a loan faster Get the best interest rates. There are basically three ways to clean up your credit report. Dispute You can dispute items on your credit report. This may or may not remove the item from your report. Negotiate Arrange with your creditor to pay off the debt in exchange for them requesting the credit bureaus to remove the negative item. Pay and Wait Pay off the debt and wait (up to 7 years) for the item to be dropped. In addition, a bankruptcy can remove negative items, but the bankruptcy can remain on your report for 10 years. For a Powerful One-Time Upgrade of Your Credit Report Lexington Law is a Law Firm specializing in credit report repair. They have helped over 80,000 Americans improve their credit scores by removing inaccurate, misleading, or unverifiable information from their credit reports. "It's amazing what a letter from an attorney can do!" The Lexington Law Firm is member of the online BBB and offers consumers a performance warrantee. From bankruptcies to charge-offs to tax liens, Lexington Law Firm has challenged virtually every credit problem under the sun and deleted over 600,000 such items to date. Lexington Law's service is backed by a warranty which entitles you to some or all of your money back if enough disputed items aren’t deleted. Put simply, they don’t believe you should have to pay for ineffective service. "If we can’t deliver, you’ll be reimbursed." Truth About Free Credit Reports We appreciate your desire to obtain a free credit report. The fact is that maintaining credit histories and providing reports to people is a business. No business that survives can give away its products for free. Every web site providing "free" credit reports works with the three credit reporting bureaus. These sites can only offer you a brief review of your report. Most offer a free 3 day or 30 day view of your report from one of the three credit reporting agencies. Creditors may not send reports of your credit transactions to all three bureaus. Thus, reports from each credit reporting bureau may differ. It's to your advantage to see your complete credit history in a "3-in-1" type report. To see your full credit history from the three reporting bureaus you'll have to pay. To view your report over a period of time as your credit history changes you'll have to pay. There is no way for any web site to provide your credit history outside of the three reporting bureaus. And the three credit reporting agencies are businesses; they charge for their services. Free Resource Now you CAN Get Credit Card Debt Help! Here is your FREE credit card debt eBook when you subscribe to our Credit News and Tips newsletter. Learn how to end your credit card debt with this free eBook (valued at $27) You will learn: Why moving credit card balances to low interest credit cards can save you money (page 52) How to use consolidation loans wisely (page 50) The three ways to pay down your credit card balances and which is best for you (page 69) How you can make "interest" work for you (page 17) How advertising influences you to spend more money and what you can do about it (page 10) Why the rich get richer and the poor get poorer and how you can move to the rich side (page 17) How the "Can I afford the payments?" culture has changed the way you think about credit and debt (page 22) Why banks are not necessarily your friend (page 23) Why written goals will save you money and how you can start writing your own goals (page 30) The only type of plastic cards you should carry (page 35) How to live like a millionaire for less than you think (page 24) The importance of budgeting and making targeted spending goals with easy to follow examples (page 36) How to create a personal budget (page 61) How to contact your creditors to reduce your interest rates (page 74) What to watch out for with credit counselors (page 77) How you can earn more money than you do now (page 82) All the resources you need (page 104) ... and a whole lot more You Need this Free Credit Card Debt Help Resource Just sign up for our Credit News and Tips newsletter. Name Email Credit Card Debt Help Credit card debt questions and answers Learn the simple facts you need to know about credit card debt. Let the facts work for you. Are you worried over mounting bills? Here are the sure signs you have a credit card debt problem. Why are you paying so much high interest credit card debt? This is what you are being told that makes you willing to spend. Credit Reports Correcting mistakes today can help you tomorrow. Mortgage Refinancing Reduce high interest debts. Get lower interest rates today. Debt calculator How many months will it take to eliminate your debts? Get your guaranteed Mastercard--re-establish your credit Get guaranteed credit cards and use them wisely to re-establish good credit. Worry making you lose sleep? If you have a hard time sleeping at night, perhaps we can help. Why you spend so much Everyone else wants you to spend. What should YOU be thinking? Control your spending Start with a personal budget. Find out where you are financially and where you need to be. Consolidation Loans Reduce your interest payments AND get a tax break. Act now before interest rates increase. A big step is to get lower interest payments. Take two minutes to fill our our no obligation form. A debt counselor from a non-profit agency is waiting to help you. Eliminate that mountain of bills and cut interest payments by more than half. There is nothing to lose. Back to the main page of Credit Card Debt Help | Become Debt Free Spending Guidelines Credit Card Rejection Rate My Credit Child Support Debt Gas Prices Got You Down? Save 10¢ per gallon from now on! Buy Gas at a Discount Copyright © 2001-2009 by Robert Sherman All rights reserved. Privacy Policy