Can Using Credit Repair Magic Hurt My Credit Score

Sunday, March 7th, 2010 at 2:23 pm  
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Can using credit repair magic hurt  my credit or do anything else bad? This is a good question and one that I will answer for you below! First off using credit repair magic will not hurt your credit. In fact trying to do credit repair without credit repair magic can lead to mistakes on your part and this can hurt your credit and cause the credit Bureaus to refuse your attempts to dispute items!

This is because the credit bureaus are aware of people trying to fix their credit and want to limit what they can do. Unfortunately for them the law is on the side of the consumer, and credit repair magic uses the law to the maximum leverage factor for you!

Credit repair magic has been around since September of 200 and since then has helped thousands of consumers fix their bad credit. It  works so well it is hard to find anyone complaining about it o the internet. That is a rare feat for any product!

To keep credit repair magic performing at its best the developers mad sure that as the laws and methods of credit repair change credit repair magic will automatically update itself. This is very unique no other credit repair tool on the market does this.

It also has a 60 day money back guarantee so if you feel it is not living up to its promise you can easily return credit repair magic for a full refund! Credit repair magic is also very easy to use so even if you have never done credit repair before you will be able to fix your credit with this software.

Click Here To Read Our Full Review Of Credit Repair Magic

NCO Collection Agency- How To Deal With NCO Collections and Get Them Off Your Credit Report

Tuesday, March 2nd, 2010 at 6:29 pm  
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NCO collections agency is a large nationwide collections company that is known for harassing people and being very hard to work with. To make matters worse NCO collections agency has a large number of complaints against them with many states BBB’s.

NCO collection agency is not a member of the BBB and many of there branch locations have numerous complaints that range from trying to collect debts that have already been paid off and there is also many consumers that have complained about NCO collections taking more out of there checking account or charging their credit card for more then they agreed to pay them.

If they take over your account like any collection agency they will more then likely threaten you with legal action or reporting your to the credit bureaus. If this happens to you make sure that you are very careful with how you deal with them and never ever agree to pay them through a electronic checking account draft or by credit card.

Instead only end them a cashiers check from your bank and send it certified mail. If they tell you that they will not accept checks ask to speak to a manager and keep working your way up until you are given an address to send payment to.

And never agree to settle for a lesser amount unless you are sent written documentation of what the settlement amount will be. One common trick that this collection company uses is to trick you into thinking that you are paying a lower settlement amount and then still trying to make you pay the remaining balance.

For a proven system that will help your remove NCO Financial Accounts and other negative information from your credit report Click Here

Is Credit Repair Legit – Looking At The Different Ways To Fix Your Own Credit

Tuesday, March 2nd, 2010 at 3:59 am  
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If you are thinking about getting credit repair done you may be wondering Is credit repair legit or will i get ripped off? The brief article below will give you a answer to that question and help you make a choice about your own credit repair.

First off under Federal law you have the right to dispute items on your credit report. Once you dispute them the credit bureaus will investigate your claim with the original lender. These findings will determine if the information gets removed from your credit report or not.

How Can I Get My Credit Fixed

There are two ways to get credit repair done. You can either do this on your own or pay a company to do it for you. There are positives and negatives to both of these choices. I will briefly cover those positives and negatives below!

Paying a Credit Repair Company

The main benefit to using a paid credit repair company is that there is no effort on your part. You basically pay the monthly fee and they do the work for you. The drawback to this method is that it is very expensive and there are alot of shady credit repair companies that will do nothing but rip you off, its basically buyer beware! One credit repair company that does a good job and has a great record is Lexington Credit Repair.

Click Here To Learn More About Lexington Credit Repair

Fixing Your Own Credit

This is by far the best way to fix your own credit score. The major benefit is that is is very affordable, most self credit repair kits range from $35-$97. Secondly since you are focused on your efforts the results usually come much faster then a paid service who is motivated by money to drag the process out  longer then needed!

Click Here To See The Credit Repair Guides We Recommend

The only drawback to fixing your own credit is that you will have to do some work. It is not alot of work and mainly involves making phone calls and writing some letters. But you should be able to get the work done in a few hours or less per week.

Is Fixing Your Own Credit Hard

No fixing your own credit is not at all. But if you have never done it before you will need a self credit repair guide to help you do it right and as fast as possible.  In addition a good self credit repair guide will help yo avoid costly mistakes!

Click Here To See The Credit Repair Guides We Recommend