Credit Repair Secrets * Free Credit Repair * Credit Report Score * Credit Dispute Letter

Credit freeze is different from placing your credit report on fraud alert because a freeze completely blocks out all inquiries, even from the owner of the credit file. The process of placing your credit file on “freeze” is also more complex because it cannot be done over the telephone.

We often read and hear warnings regarding credit fraud. This is because there is an alarming increase in the number of incidents and reports of people who got ripped off by scam artists and unscrupulous credit organizations. They do not just lose their identities but also their credibility as borrowers How come?

We often hear the terms credit bureaus or the three credit reporting agencies whenever we apply for loans and other lines of credit. This is because we all know that they are responsible in providing us our credit reports, which are the most common requirements when we take credit accounts.

All consumers have the right to dispute errors in his/her credit report. This right is based on the Fair Credit Reporting Act which became effective in 2003. Disputing errors protects a consumer against fraud and Identity Theft. Thus, in case there are unauthorized charges contained in the report, a consumer can alert the bureau and [...]

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 [...]