The Free Credit Repair Kit

  • Unlocking the Mysteries of Credit

    What is Credit and How Does it Affect Your Life?

    If you’re in the market to purchase a new home or car, you’ve probably become keenly aware of the effect that credit can have on every aspect of your life. Your credit history can determine what your interest rate will be on a loan, whether or not you’ll get a new credit card, and whether or not you’ll even get a car loan.

    While it can affect so many areas of life, few people truly understand how it works. What is credit? How do you know if yours is good or bad? What can you do to change a negative history?

  • Collection Agencies

    What You Need to Know Before You Answer the Phone

    Before we dig too much further into your credit reports, it’s time to address collection agencies.  If you’re in need of credit repair, you’re probably all too familiar with the letters and phone calls from these guys.

    Normally when you get calls from creditors, what do you do?  Do you check the caller ID and ignore it?  Do you answer the phone and prepare for intimidation?  Or do you know your rights and speak with confidence?

    If you’re like most people, you choose the first two options.  However, you do have rights when it comes to collection agencies.

  • Cracking the Credit Code

    How to Read Your Own Credit Report

    The first step in really repairing your credit is to find out where you stand.  The best way to do that is to obtain your credit report from all three credit bureaus.  Once you have them, you need to know how to interpret them.

  • The Ins and Outs of Consumer Credit Counseling

    Getting Help With Credit Repair

    When you’re in need of credit repair, you come across a lot of information about consumer credit counseling. However, you may not know what it actually is. In this chapter, we’ll explore the purpose of this organization and how to use it.

  • Bankruptcy 101

    What Is Bankruptcy, and When Is It Time?

    The word bankruptcy brings to mind all kinds of negative feelings and understandings.  You may have an idea of what it means, but not understand the reality of it.  In this section we’ll explore what it actually means to declare bankruptcy, the types of bankruptcy, how to know if it’s time to declare it, and what to do after you’ve gone through the process.

  • Do-It-Yourself Credit Repair

    How to Repair Your Own Credit

    So far we’ve gone over options such as consumer credit counseling or bankruptcy to handle your debts. However, for most people the best way to deal with debt is to do it yourself.

  • Credit Repair Agencies

    What to Look For When Selecting a Credit Repair Agency

    Credit repair agencies are all over the place.  They make promises to take your undesirable credit and turn it into gold.  However, if something seems too good to be true, it probably is.

  • Life After Bad Credit

    How to Make Your Way Back to a Good Credit Standing

    Once you’ve done everything you can to remove inaccurate information, you may be left with some negative information that’s legitimate.  At this point what you really need to do is work to improve the credit that you have.

    There are several things you can do to slowly work to return to a good credit rating.  In this chapter you’ll learn how to maneuver your way back into good standing.

  • Identity Theft

    Managing the Aftermath of Identity Theft

    In this day and age of technology, identity theft is rampant. It’s incredibly easy for someone to get your personal information and abuse your good credit for their own illicit purposes.

    This chapter will discuss how you can prevent identity theft with some simple strategies. You’ll also find out where to turn when you find yourself a victim to someone’s illegal activities.

  • Free Sample Credit Repair Letters

    When writing to the Credit Bureaus you need to have a plan, a system that works. You need to have proper follow up and use the correct letters customized to your situation. With a little persistence and proper follow up, you can expect results like these:

    When writing to creditors and credit bureaus, you must be assertive. Be clear about the fact that you know your rights as a consumer and that if they’re violated, you’ll have to take further legal action.

    Don’t be afraid to ask for what you want when dealing with creditors. You’re more likely to have negative information removed if you’re polite, but firm. Be clear that you’re willing to work with them and pay your balances, but you expect them to work with you as well.

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