Many individuals and families with less than perfect credit scores have found themselves caught up in the recent US subprime mortgage crisis. In many situations, they are the victims of unscrupulous lenders who have engaged in predatory lending practices and unfair, or “teaser”, interest rates. The end result is that many victims have come out [...]

In today’s world of credit score based lending, credit repair can make a world of difference. Credit repair is simply a legal way to clean up and improve your credit file also known as your credit report. A successful credit repair process has an end result of bringing an individual’s financial history back to life. [...]

fixdaback asked: Is investing the money for credit repair wothwhile? Are the results satisfactory from an accredited repair service company? I am looking for first hand experience and reference from someone who has used an online credit repair service.

dwaindaddy asked: I am thinking about allowing a credit counseling service (Take Charge America) to consolidate all my unsecured credit. Will this help or hurt my credit rating once I complete the program in about 3.5 years?

A A asked: I paid a service for my credit score but apparently b/c I didn’t buy the best package they show payment and history but not the actual score. What is the best most reliable and cheapest place to get my credit score? Also, what are some way to raise my credit score? Obviously [...]

mrdeservn913 asked: I have no idea where to start to repair my credit. They are always offering free credit reports but I am leary of that. Could someone please tell me where to start?

USuck79 asked: I have a very low credit score with old delinquent accounts. I have heard paying off old accounts is pointless, and will not improve your score. Is there any way to fix credit on your own with out the use of a lawyer etc.

mkstar214 asked: I have paid for alllllll of my old collection accounts and I’m just waiting for them to drop off of my credit reports. I’ve been looking into credit repair service on line and wondering if they can actually help. All of the items on my reports are actually MINE and I did actually [...]

Kristy R asked: I’ve heard bad stuff goes off your credit report after 7 years, so can you wait it out and have decent credit again after 7 years? Anyone know how that works or what to do to fix it?