How I Cleaned My Own Credit

By:keishon martin

I had the worst credit in the world in my opinion and What if I told you that it was possible to erase everything from your credit report, with out bankruptcy
and in return keeping only the good credit and raising your credit score ... yeah i know it sounds crazy but its true

As you may have heard of many different Ads books, systems and secrets to help you repair your credit fast. Many of these programs have claim to Erase bad credit and smash your debts with just 2 Magic Letters! Create a completely new credit file in 24hrs! Well I bet you wonder are these types of claims too good to be true? The answer is Yes and no.

As everybody loves to believe that the only thing that can repair bad credit is time; but on the real nothing could be further from the truth. The fact is, time is only one aspect that can repair a credit report (but that is not the only way). because a consumer protection law known as the Fair Credit Reporting Act (a.k.a FCRA) says that the only negative information which can remain on your credit report is not what is true but what can be proved to be true.

and that means that any negative item on your credit report can only remain there if it is accurate and CAN BE PROVED AS ACCURATE under the guidelines of the FCRA. this fact presents consumers with both good news and bad news. The good news is that through the FCRA your credit score can most likely be improved drastically in a very short period of time with only a little bit of effort on your part.

The bad news is that while the actual way will take very little of your time, it is important that you have good information on to go about it. now this is the bad news; 9 out of 10 courses on repairing your credit will do nothing more than lead you down the wrong road. This is because they provide you with some out-dated dispute letters which are not that effective. These are nothing more than form letters and to tell the truth the Credit Bureaus and Creditors will laugh at you if you try to use them.

So the key element that you will need for success is the latest inside techniques and procedures to get the results you want. These involve strategies known as Proof of Contract, Constructive Notice Challenge of Procedure or Restrictive Endorsement and many others.

All these terms may be impressive but they are really quite simple. In the end, it is nothing more than a method of communication which exercises your consumer protection rights, which gets the results you want and raises your credit score.

but i have some friend that can do this for you .... as they have helped me out.... because a fresh start in regards to your credit profile can save you 1000s of dollars in the long run... just check link down below

Digg del.icio.us Blink Stumble Spurl Reddit Netscape Furl

Article keywords: credit repair, fix credit, bad credit loans, fix credit fast, credit help

Article Source: http://www.articles2k.com

Keishon Martin is the founder of KeyWorldWide Inc. which owns www.NewMoneyCredit.com which has more info on cleaning your own credit

Top Credit Articles
1). What Is a Good Credit Score – How Can I Raise Mine? By : Peter Crump What is a good credit score? When you request a free copy of your credit report, you will find a score assigned to your credit history. This score will determine whether or not creditors will grant you the loan or credit that you want because it gives them an idea of your risk to repay. Generally, the answer to the question “what is a good credit score?” is the higher the better.
2). Paying Off Your Credit Card Balances: Running The Numbers By : Stephen L. Nelson, CPA Ever thought about paying off your credit card balances? Maybe you would like to be debt free just to reduce your stress. Or perhaps you need to be debt free to retire. If you have Microsoft Excel running on your computer at home or work, you can use Excel’s NPER function to calculate how quickly you can pay off a debt such as a credit card balance.
3). Credit Card Faq - Credit Card Security And Authentication By : Joseph Kenny With the ever rising reports of credit card fraud, fraudulent use, internet phishing and identity theft, people are rightly concerned about credit card security. Fraudulent credit card use can be an annoyance at best, and seriously damage your credit at worst. It's only reasonable that people have questions about credit card security and authentication methods.
4). Online Credit Card Application: The Easiest Way To A Customer’s Heart By : David Riewe Many credit cards are offered in the market today thus, making companies more aggressive in advertising and marketing their card services. These companies (e.g. banks, department stores, specialty stores, airlines, hotels, etc.) have found a powerful tool in catching the attention of prospective card holders: online credit card application. What advantage/s does online credit card application offer? The bottom line of online credit card application is “convenience”.
5). How To Build Up Your Credit By : Ken Snow There are many effective ways to build credit. In order to keep creditors from bothering you, and in order for you to get a loan with a reasonable interest rate, you need to learn how to build your credit. The best place to start is to not buy things that you don’t need. If you always make impulse buys, you will find yourself in deeper debt very quickly.
6). Best Rewards Credit Cards By : Richie Chapin It's almost a guarantee when you check your mailbox you will have a couple pieces of mail offering you a pre-approved credit card. Now most people will casually discard them without any regard to the offer that is inside. But before you throw away that credit card offer you may want to take a peek at it. Many credit card companies are now offering you FREE rewards just for using your credit card.
7). How to Choose the Right Credit Card For You By : Richie Chapin So your thinking about getting a credit card but your not exactly sure what to look for right? Well there are a lot of different things to consider when applying for a credit card. Some things to think about are the interest rate, annual fees and features the credit card may offer. Here are a few tips that will help you choose the best credit card for you.
8). Instant Credit Approval - Avoiding Fees By : Robert Alan This article describes how to avoid paying fees on instant credit approval
9). Credit Bureaus Adopt New Credit Scoring System By : Rick Hendershot The three major consumer credit bureaus in the U.S. have recently created a new credit scoring system that will give financial institutions a more consistent evaluation of the credit worthiness of applicants. The three agencies -- Equifax, Experian and Transunion -- have introduced the new system called "VantageScore". The new scoring system will be used immediately for reporting to banks, lenders, and credit card companies, and will be available to consumers later in the year.
10). The Travails Of The Pros And Cons Of A Small Business Credit Card By : Sohel Katir For small business credit card getting a sense out of a deal is, in some instances, the most difficult thing to do. This is because most people could not instantly figure out the benefits they can derive from obtaining it. Take for example the case of small business credit card. Some people contend that business credit cards are crucial in the growth of a business, while other s contend that it is just one way of losing their investments.

New Credit Articles
1). Free Credit Reports, Where You Can Get Yours Today and Keep a Blazing Eye on Your Credit! By : Tom Jerico Everyone can get a free credit report. It is one of the most important things anyone can do to keep their credit in shape.
2). What You Need To Know About Legal Credit Repair Service By : Paul Johnson Legal credit repair service is a lucrative industry that is heavily based on making claims that suggest that they will be able to repair your credit without a hassle.
3). Chase Free Cash Rewards Visa Credit Card - Pros and Cons By : George Allen The Chase Free Cash RewardsSM Visa® Card, issued by Chase, is designed for those with very good credit who would like a card that offers a cash back reward program.
4). When Considering Credit Card Benefits, Are Reward Cards Really A Bargain? By : Gregg Hall Now credit card companies are using reward systems to get people to sign up for their card. For the consumer this is great. You can now get rewarded just for using your credit card that you were going to use anyway.
5). Can Your Repair Credit Yourself? By : Paul Johnson Many companies that want to make a good deal of money exchanging your credit information will advise you against repairing your own credit.
6). Get Your Free Credit Repair Help By : Paul Johnson At first glance, free credit repair help may seem too good to be true.
7). Newbie Credit Repair Advice By : Paul Johnson You have credit rights and they are likely being violated.
8). How your Credit Rating Affects your Credit Card Application By : Jon Francis When you apply for a credit card, one of the factors that come most into play in whether or not you are approved is your credit rating.
9). Credit Repair - Where to Start? By : Paul Johnson Getting started in your path to credit repair can be mind-numbing. Read on to take that numb right out of your mind and get your credit repair process started.
10). Paying The Price Of Credit Card Jumping By : Joseph Kenny Having a debt and paying no interest on it seems almost too good to be true. But many consumers use their credit cards to do just that. The process is known as rate surfing or credit card jumping.