Free Credit Report Repair Guide

Credit-Repair-Planner - A helpful freeware tool for planning a strategically optimized debt repayment schedule.
(PRLEAP.COM) Credit-Repair-Planner helps create an optimized repayment schedule which factors in credit improvement. The concept is simple: pay off the highest-interest cards first while bearing in mind that carrying in excess of 50% on any revolving credit line dings your credit score.

Credit-Repair-Planner will break this down into two repayment schedules - the first to get all cards down below 50% and the second to take them down the rest of the way.

Although Credit-Repair-Planner is useful for scheduling repayment, it is meant primarily as an educational tool — making the path to credit-repayment explicit, concrete and visual. A clear understanding of the debt-repayment path is a crucial part of lifelong debt management.

To use Credit-Repair-Planner, just download and run - the program is entirely self-contained and requires no installation (it can also be run directly from fixed media such as floppy or CD). Credit-Repair-Planner is a single, clean, compact executable with no spyware or DLL dependencies. It is part of an expanding collection of freeware tools available from atilla-credit-repair.info.

Credit-Repair-Planner Features:
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- Simple — no training required, no learning curve
- No DLLs installed and no dependencies to conflict with other software
- Compact and simple - just one executable file - no installation
- Works with all versions of Windows 95/98/ME/NT/2000/XP
- Really freeware! No spy-ware, no ad-ware no parasites

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Improve Credit Report And Credit Score Doing a Credit Repair Online
Anybody can request to view their credit file and to do a credit check for accuracies. A good credit Report and Credit Score can mean better financial wellbeing.

(PRWEB) March 24, 2005 — Did you recently apply for a personal loan only to be turned down by a bank or lending institution ? Like most people there is always a need to borrow money to buy a car or to renovate a home or even to get a student loan. There are many reasons why people need a loan and lenders find reasons to turn people down from a loan application. There are people who even take a loan to consolidate a loan.

With the costs of living on the rise and the limit that one has on their earnings it is easy to understand why borrowing becomes necessary for a lot of people. However, care must be taken to ensure that when money is borrowed it can be paid back to the lender.

There are times when money is borrowed and the borrower has difficulty in meeting the loan requirements and payment schedule as was outlined at the time of obtaining the loan. If there is a good reason for non-payment of loan and if this reason is brought to the attention of a lender in a timely fashion, it is very likely that the lender will be accommodating and suggest a revised payment arrangement.

The problem arises when there is default in loan payments and when the loan is not repaid as agreed upon by borrower and lender. This then gets into the credit reports and becomes part of ones credit history and it becomes a problem for future borrowings.

However, it must be noted that often times there are errors and inaccuracies in ones credit report. These credit report errors can and do affect ones credit rating and places a person as a bad or poor credit candidate. It is therefore very important that the inaccuracies be dealt with and a clean credit report be in place after all the discrepancies in the credit report have been removed.

People with a bad credit report that have a need to clean up their credit have the law on their side which allows them to request a reinvestigation of information in a credit file and dispute it 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. As per the Fair Credit Reporting Act people are entitled to a free copy of their credit report if denied credit, insurance or employment within the last 60 days. If an application for credit, insurance, or employment is denied because of information supplied by a credit bureau, the company you applied to must provide you with that credit bureau’s name, address, and telephone number.

You can dispute mistakes or outdated items in your credit report for free. Ask the credit reporting agency for a dispute form or submit your dispute in writing, along with any supporting documentation. Do not send them original documents.

Clearly identify each item in your report that you dispute, explain why you dispute the information, and request a reinvestigation. If the new investigation reveals an error, you may ask that a corrected version of the report be sent to anyone who received your report within the past six months. Job applicants can have corrected reports sent to anyone who received a report for employment purposes during the past two years.

When the reinvestigation is complete, the credit bureau must give you the written results and a free copy of your credit report if the dispute results in a change. If an item is changed or removed, the credit bureau cannot put the disputed information back in your file unless the information provider verifies its accuracy and completeness, and the credit bureau gives you a written notice that includes the name, address, and phone number of the provider.

You should tell the creditor or other information provider in writing that you dispute an item. Many providers specify an address for disputes. If the provider then reports the item to any credit bureau, it must include a notice of your dispute. In addition, if you are correct-that is, if the information is inaccurate-the information provider may not use it again.

If the reinvestigation does not resolve your dispute, have the credit bureau include your version of the dispute in your file and in future reports. Remember, there is no charge for a reinvestigation of your credit report. Reporting Negative Credit Information Accurate negative information generally can be reported for seven years, but there are exceptions:

- Bankruptcy information can be reported for 10 years;
- Information reported because of an application for a job with a salary of more than $75,000 has no time limitation;
- Information reported because of an application for more than $150,000 worth of credit or life insurance has no time limitation;
- Information concerning a lawsuit or a judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer; and
- Default information concerning U.S. Government insured or guaranteed student loans can be reported for seven years after certain guarantor actions.

FREE Credit Tips & Secrets…

I’ll bet my credit stunk worse than yours may ever have
– I’ll even bet my credit was worse than many others
you’ve heard about.

But it’s NOT like that today.

Today I make incredible money and have amazing credit.
But I never used a lawyer or one of those so-called
nonprofit credit counseling agencies.

Here’s a tip:

Did you know that those places are nothing more than
wolves-in-sheep’s clothing ?

It’s a fact: Nonprofit credit counseling agencies
(although made by popular mainstream media to appear
altruistic) are nevertheless out to make a buck off of
you!

Here’s how: EXACTLY like a collection agency, they get
a percentage of whatever amounts they can collect from
you towards your debts (that’s right! they actually
work alongside your CREDITORS, not you!)

If they get $1,000 from you, they may make up to $150
(15%).

If they get $5,000 from you, they may make up to $750
(again 15%).

So which do you think they really want ? …

$150 ? …

or …

$750 ?

So if you tell them what you really have (because
they’ll surely be asking you!), you can be pretty sure
they’ll only end up ratting you out to all your
creditors and you’ll loose everything, be able to just
get by (if you’re lucky!), and work as a slave to feed
them and NOT yourself!

STOP IT!

Why do you think I wrote “My FREE Credit Repair”
anyway ?

I first fixed my own situation, then quickly began
helping others (who like yourself, thought there was no
hope in sight).

Then, I wrote the book (not just one, but several
different titles about this still little-known
subject).

The title gives the TRUE PURPOSE away: that you don’t
need to hire attorneys, so-called professionals, etc.,
to get your credit fixed and your debts dissolved
because you can do it yourself, and for FREE!

Besides, do you really want to trust a wolf-in-sheep’s
clothing to all your most guarded private financial
information ?

Only YOU should be privy to that.

You can pick it up for next to nothing over at:

http://MyFREECreditRepair.com just seconds from now.

So be sure to secure http://MyFREECreditRepair.com for yourself
without further delay!

And just to make sure you do, I’m knocking OFF 86.46%
from the full price just for you getting it NOW or
within the very next 24-hrs! So please, please HURRY!

Most sincerely,

-Howard L Moreland
Creator of http://MyFREECreditRepair.com

PS … Please be sure to watch out for more tips from
me on your credit, and more effective financing
strategies to come soon …

When will you be debt free?
Find out how long it will take to become debt free and how much you’ll pay in interest by making the minimum monthly payments. You can also crunch the numbers using any fixed payment of your choice. And…if you tell us when you’d like to pay off the plastic, we’ll tell you what payments you’ll have to make to achieve that goal. You might be surprised.

Find Out Here