credit repair

Tips in Finding the Right Credit Repair Service

Thousands of consumers seek credit repair help each year and many credit counseling agencies and organizations offer help across the United States. But not all of them offer genuine help. In this article, let’s discuss facts about repairing credit and how to find the right credit counseling service.

Can You Legally Repair Credit?

If you have credit problem, you may be thinking of turning to a credit repair agency for help. Many people first try to do it themselves.  And we recommend you do that too!  This site, Ezcreditrepairsolutions.com is full of information you can use to improve your credit on your own.   Only after you have tried it yourself should you look into contacting a service.  UNLESS you are just to busy, talking to creditors overwhelms you, your not an aggressive person, or you just feel like it takes to much organization and follow up for you to do it yourself.  (more…)

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file for bankruptcy

Bankruptcy: What to expect?

The exact details on bankruptcy proceedings may vary from one State to another. For those who intend to file for bankruptcy, they should be aware of the bankruptcy laws amended in  October 17,2005 which no longer allowed you to file for bankruptcy on your own.  It laid out a series of procedures you must go thru first in order to declare bankruptcy.  . Let’s take a look at the basic procedures or changes made in the bankruptcy law.

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file segregation

File Segregation – A bad idea

File Segregation Is Fraud

This old trick seems to be gaining popularity again. File segregation is the practice of creating a new credit file using a fake, stolen or some other form of tax identification number instead of your own social security number. Many people feel this is the only way they can enjoy good credit again, but one thing to keep in mind is….FILE SEGREGATION IS ILLEGAL! (more…)

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credit repair companies

Credit Repair Companies…Are they for real???

Thinking of hiring a credit repair company?

Well the answer is yes…and no. Companies that claim they will erase all your past credit mistakes are generally not being 100% honest.

You can’t erase your past, you can just make better choices in the future.

All a credit repair company can do for you is dispute items on your credit report…and to be quite honest since you are on this site, you know you can do that yourself! All you need is access to all 3 credit bureaus. Companies like FreeCreditReport.com from Experian can provide you with instant access to your credit report. As there name states the “Free” report they give you is only for Experian, but if you upgrade (and I would if I was you) you can see all 3 scores. (more…)

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improve your personal credit score

How to Improve Your Personal Credit Score

Quick Tips To Improve Your Personal Credit Score


With interest rates on the rise.  Everyone is looking to refinance as quickly as possible.  Its imperative that you improve your personal credit score before you apply for your refinance.  Even if you just want to  apply for a personal loan or a new credit card.  Improve your chances not just of approval but of getting the best rate by increasing your credit score.   Let’s discuss practical pointers on how you can use your personal credit score to get easy approval and enjoy better rates and terms:

Work on improving your debt to income ratio. How much of your credit limit has been used? Financial experts recommend not using up more than 50% of your limit. But what if you have a high credit-to-debt ratio? You can call your bank or credit card issuer and request for a higher credit line. Of course, the easiest way to free up your credit limit is to pay off your existing charges. (more…)

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