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Understand, Build and Manage

Your Credit Whether you’re buying a home, a car or applying for a credit card – lenders want to know the risk they’re taking by lending your money. Understanding how credit plays an important role in your life is an important step to improving your credit scores which can often help you qualify for better rates from lenders, which can save you money.

We believe the more insight you have about credit, the easier it is to strengthen your financial well-being. For more than a decade, has been America's number one Credit Repair provider of credit information. In addition to credit report repair, we offer help online to teach you how to successfully manage your credit rating.


What's in a credit report?
What's a credit bureau?
What's included in a credit report?
What's NOT included in a credit report?
Types of information in a credit report
Where does the information come from?
Who can see my credit report?
What is a credit score?
How are credit scores calculated?
What is a "fico" score?

We give you the inside scoop...

First Things First Your Credit Report
FICO and You
Next Things Next Finding Your Score
Establishing Good Credit
Repairing Your Credit Score
Identity Theft and Your Credit
Raising Your Credit Score

Repairing Your Credit Score

Don’t despair if you have less then desirable, credit score and credit history. You are human and make mistakes. It’s natural. The key to this is to recognize that your spending habits are out of control; your credit has been damaged, and then vow to never get yourself back in the same situation after you have gotten your credit repaired.

First, get your credit report. Get one from all three agencies. You get one free and then you’ll probably have to pay around $10 a piece for the other two. It is important to get reports from all three agencies so that you have a full picture of your credit history.

Some companies only report to one agency. Some report to all three. But if you are committed to repairing your credit, you need all three so that you do not miss anything.

Then go over those credit reports carefully. See the section above on how to read these reports. Check to see that there are no errors such as a bill you have paid but that is still being shown as owed.

People at credit bureaus are human too and make mistakes just like you! If you do not call attention to these mistakes, no one else will. We will cover correcting those mistakes a little bit latter.

The next part involves pulling out those accounts that are delinquent and making a re-payment plan. Unless you are declaring bankruptcy, you will still need to pay your debts and doing so can go a long way towards improving your credit history. Creditors will see that you are doing the best you can to get back on your feet and this improves your credibility.

If all the bills are too overwhelming for you to consider paying back at once, just concentrate on one at a time. Break them into pieces, contact the company and let them know you are trying to come up with a repayment plan and if there is anything they can do to help you out.

These companies really just want their money in the long run, so they are going to be willing to help you. Once that company is paid off, move on to the next one until everyone is paid off.