I found this online, and I can’t vouch if it’s good or not. I may check in on Saturday and see what they are up to… Check them out here. Sounds like they maybe using this free credit repair site as a way to up sell mortgages. so take their info with a grain of salt.

“Raise Your Credit Score” Seminar to debut

Broken Credit, LLC will debut its free online seminar titled “Raise Your Credit Score” in July.  The seminar is approximately thirty minutes in length and will be streamed at 12:00 noon on Saturdays.  The seminar is free; however, advance registration will be required.

Some topics that will be discussed:

(1)  Why errors exist on credit reports

(2)  How to obtain a copy of your free credit report

(3)  The proper way to dispute inaccurate items

(4)  How to re-age a derogatory account to delete the derogatory history

(5)  How to remove collection accounts from your bureau

(6)  How to improve your credit score even if you have no bad credit

This free online seminar is for anyone who desires to improve their credit score THE RIGHT WAY.  Broken Credit, LLC has seen a tremendous need for the general public to have this information and it is our great pleasure to bring this seminar to you for free. 

For those of you who will be buying or refinancing a home, this free thirty minute seminar could make your dream of homeownership possible and save you tens of thousands of dollars in interest!

Tags: credit repair seminar

10 bad habits that lead to debt disaster

I found this article on MSN written by By Leslie Hunt, Bankrate.com
This is Dave Ramsey! She basically took his baby steps and re-wrote them. If you follow Dave Ramsey at all everyone of these steps should look familiar to you. She even uses some of the same terminology, "emergency fund"…

Bad Habit No. 1: Misusing balance transfers
Bad Habit No. 2: Not checking credit reports — you can’t change them anyway.
Bad Habit No. 3: Failing to alert creditors about a financial hardship
Bad Habit No. 4: Thinking of ‘budget’ as a dirty word
Bad Habit No. 5: Using retail store credit cards to make use of discounts
Bad Habit No. 6: Procrastinating on creating an emergency fund
Bad Habit No. 7: Paying bills in no particular order
Bad Habit No. 8: Charging purchases instead of paying in cash or with a debit card
Bad Habit No. 9: Making credit payments late
Bad Habit No. 10: Making the minimum payment only

If you would like to read the story in full click here.
Tags: Dave Rasemy, Credit Repair, credit card

Be very careful when looking at Credit Repair Companies

“For a fee, they promise to clean up your credit report so you can obtain a car loan, a home mortgage or even get a job. Unfortunately, many of these companies can’t deliver. After paying these companies hundreds or even thousands of dollars in upfront fees, these companies do nothing to improve your credit report; many simply vanish with your money…”

The only thing that really will change your credit report is time and acurate disputing of inaccurate negative marks on your report.

“The truth is, no one can legally remove accurate
and timely negative information from a credit report. But the law does
allow you to request a reinvestigation of information in your file that
you dispute as inaccurate or incomplete. There is no charge for this.
Everything a credit repair clinic can do for you legally, you can do
for yourself at little or no cost...

Advise you to dispute all information in your
credit report or take any action that seems illegal, such as creating a
new credit identity by obtaining a federal employer identification
number to use instead of a Social Security number. If you follow
illegal advice and commit fraud, you may be subject to prosecution.It’s
a federal crime to make false statements on a loan or credit
application, to misrepresent your Social Security number or to obtain
an employer identification number from the Internal Revenue Service
under false pretenses.”

The Daily Advertiser – www.theadvertiser.com – Lafayette, LA

You can always get a free copy of your credit report from www.annualcreditreport. com and please be very careful of any company asking you to do anything illegal. Breaking Federal Law is not worth it.

technorati tags:Credit, Repair, Free, CreditReport