Can the Credit Repair Secret Code Deliver?



Can the Credit Repair Secret Code Deliver?

I'm reading an eBook called "Credit Repair Secret Code" that claims it can help a person can raise their FICO score from 350 - 750+ in 90 days or less. I'll report back with a review in a litlle bit once I have read the book.

Read more...

I'm back with a review:

The Credit Repair Secret Code takes the approach of exploiting flaws in the credit reporting system, then discusses how these flaws can force the 3 major credit reporting agences (Transunion, Equifax, and Experian) to instantly fix the errors in your credit report.

Will it work? YES! This system was created to raise your credit score to a point you never thought were possible. It will quickly stop your bill collectors dead in their tracks and it will help you raise your credit score by as much as 350+ points in 90 days or less.

Oh, and it also shows an effective way to remove bankruptcies before the 10 year clock - like remove bankruptcies right now.

Read more...

Recommended Reading:
37 Days to Clean Credit is a "well-written and very effective course - one of the most popular self-help guides in the credit repair genre these days!"
       - Bad Credit Auto Loans Blog

37 Days To Clean Credit (A Credit Repair Service Reviewed)



37 Days To Clean Credit (A Credit Repair Service Reviewed)

37 days to clean credit is one of the more popular self-help guides in the credit repair genre these days.Written by Chris Brisson, the 37 days to clean credit program is based around a system that he developed while repairing his own credit problems.

Listed below is a short outline of what is covered in each chapter - hope this gives you a good general idea about the book's contents:

Chapter 1- Chapter one of 37 days to clean credit covers the credit scoring process and explains how your credit score affects you and your financial life. In this chapter, the author shares his own story about how he started down the road to bad credit and debt. He also goes over some of the popular credit repair myths and proves them wrong.
  
Chapter 2- The second chapter explains how and where to get your credit report. This chapter includes some actual screen shots to help you order your credit reports quickly and easily. If you have never ordered a credit report before, you will be an absolute expert at it by the end of the second chapter.

Chapter 3- This chapter explains how to read and understand the wealth of information that is listed inside your credit report. Loaded with screen shots of actual credit reports, you'll learn how to analyze your credit report so that you'll be able to fix your own credit.

Chapter 4- In chapter 4 of 37 days to clean credit, you'll learn how to analyze your current debt situation. This chapter also has lots of useful information about dealing with creditors, reducing monthly expenses, and controlling debt.

Chapter 5- This is the chapter where credit repair information starts to appear. This chapter covers the right way to dispute information on your credit report. It's a goldmine of credit repair information with a ton of tips for getting your credit report cleared up.

Chapter 6- In this chapter you'll learn how to effectively negotiate with creditors and collection companies. The author covers exactly what to say and exactly what not to say on the phone when speaking with creditors and collection companies. This is a very well written chapter with lots of great information that will help you successfully negotiate your debt and any collection agency accounts!

Chapter 7- In this final chapter, you'll learn how to build new credit and stay responsible.


When you purchase 37 Days to Clean Credit, you'll get

1) A link at the top of the page to down load the book.

2) A link to download the bonus audio files (interviews with leading credit repair experts) and also the transcripts of the interviews.

3) A link to get the author's credit dispute letter templates (these make your job much easier and are worth the cost of the book all by themselves).

4) A link to download two bonus videos that deal with money management and personal finance

5) A link at the bottom of the page where you can down load your "super bonus videos."
  • Interest Annihilator Video
  • Interest Annihilation Script
  • Budgeting Success
  • Budget Income Tracking Form
  • Budget Credit Tracking Form
  • Budget Expense Form

Recommended Reading:
37 Days to Clean Credit is a "well-written and very effective course - one of the most popular self-help guides in the credit repair genre these days!"
       - Bad Credit Auto Loans Blog

Free Credit Report Access











Free Credit Report Access

Thanks to a new five day free trial offer, you're now able to get a legitimate free credit report from SmartCredit.com. In addition to a rundown of your credit history, the smartcredit.com service offers you a variety of tools for monitoring your credit (SMART Alerts, SMART Credit Report Lock, SMART Action Button, etc.). The free trial gives you access to these features for five full days, and after that it's $19.95 a month to continue. If you just want a free view of your credit report however, you can easily cancel within five days and pay nothing. Very slick and very easy!

Instant Free SMART Credit Report
Check your SMART Credit Report Now and
Fix Your Problems Online for Free Today
www.SMARTCREDIT.com

Recommended Reading:
37 Days to Clean Credit is a "well-written and very effective course - one of the most popular self-help guides in the credit repair genre these days!"
       - Bad Credit Auto Loans Blog

Free Credit Scores Online


Do you know your credit score? I dug up a few sites that allow you to get a free credit score report.

Now that's no big deal in and of itself, but if you use a "single use" PayPal virtual credit card to sign up for the trial, you'll have your score and not have to worry about canceling the free trial. Pretty slick!

Free Credit Score Online
Get your 4 scores instantly and updates every 30 days. Fix Errors and Lock Reports!
www.ConsumerDirect.com

Credit Score Optimization
Veracity Credit Optimization

Increase Your Credit Score!
Ovation Law

7-day FREE trial of 3 Bureau Credit Monitoring
Plus Credit Report and Score - $0
CreditReport.com

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Recommended Reading:
37 Days to Clean Credit is a "well-written and very effective course - one of the most popular self-help guides in the credit repair genre these days!"
       - Bad Credit Auto Loans Blog

Repairing Your Credit | Get a REAL Auto Loan

badcreditautoloans 

Restoring Your Good Credit

We have talked at length about obtaining a bad credit auto loan, but lets shift gears and talk about restoring your credit situation so that you can get a regular auto loan in the future.

Why Do I Need a Good Credit Score?

Having a good credit score is paramount in the United States today. Your credit score is used for nearly everything in your adult life – not only loans but jobs and housing as well. People with good credit have no trouble getting automobile loans, credit cards, jobs that require a credit check, and housing because they have shown they have the ability to pay their bills on time. A high credit score shows the world that you manage your money responsibly.

Does a Bad Credit Score Hurt Me?

Bad credit ratings on the other hand will limit your opportunities and put you into higher fees and interest rates on loans – that is if you can get them at all.if any at all.  Worse yet, prospective employers and housing landlords will look at your score to see if you have paid your bills in a timely manner. Bad credit really affects everything in today's society.

How Can I Turn This Around?

So… turning your bad credit situation into a good credit situation is hard but it can definitely be done. The first step is to pay off your lingering debt, either by bill consolidation or a credit counseling payment plan that you can stick to. Next, you should open up a savings account and put some money in it every time you get paid. A secured or prepaid credit card can (funded by your new savings account) can help you boost your score as well.

The Damage Is Done

Be aware that bad credit information will remain on your credit report for 7 to 10 years. Because of this, repairing your credit score will take some serious time and require real determination. It’s important to learn wise money management skills along the way and develop financial responsibility to maintain and increase your score.

Conclusion

Yes it takes time, but the opportunities afforded to people with good credit scores makes the effort worthwhile. With determination, no bad credit problem is to bad to fix - it just take desire and dedication. There are no quick fixes here unless there is faulty information that is showing up on your credit report.


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Recommended Reading:
37 Days to Clean Credit is a "well-written and very effective course - one of the most popular self-help guides in the credit repair genre these days!"
       - Bad Credit Auto Loans Blog

Auto Loans with No Credit Check

car-loan-main_full
Auto Loans with No Credit Check
If you have bad credit or spotty credit, the lenders are probably turning you away. Since this is the case, the easiest way to purchase a car is with cash.

If your cash is in short supply however, then you’ll need to continue saving for a used car or consider purchasing your car with a no credit check auto loan.

No credit check auto loans are designed for those poor credit customers who want to purchase their automobile without the car dealer checking their credit histories -whether they're qualified or not, in other words. With no credit check auto loans, even those with the lowest credit ranking or zero credit history can still purchase a car.

Since there is no credit check to purchase the car, the dealer faces a much greater risk of default or payment delays. Because of the added risk, dealers will look for something to serve as your collateral before approving the deal.

You can also apply for a no credit check auto loan if you have a cosigner (guarantor) that the dealer knows is capable of paying for your loan. This person must have a strong credit history or a well established community presence in order to lessen the dealer’s risk.

Another thing dealers may do to help you qualify for a no credit check auto loan is to require a larger down payment and a higher interest rate. If you are seriously considering a no credit check arrangement with your dealer, you’d be wise to consider the total price of the vehicle as a result of the monthly payments that you will be making.

You need to weigh all the factors before deciding to acquire a car through no credit check auto loan. When dealing with your hard earned money and reputation, you really should consider every aspect of the deal with great care.

Related Posts:
Bad Credit Auto Loans | DriveTime Experience
Poor Credit? Consider Dealer Financing

Recommended Reading:
37 Days to Clean Credit is a "well-written and very effective course - one of the most popular self-help guides in the credit repair genre these days!"
       - Bad Credit Auto Loans Blog

Bad Credit? Experience the DriveTime Difference

Easy cars loans from DriveTime Is bad credit keeping you from purchasing your next car? Have you experienced the DriveTime Difference?

DriveTime is the nation's largest dealership with 79 locations specializing in selling used cars to people with credit problems. That's all they do, and because they're also the bank, they can get you a car regardless of your credit history

Bad credit, no credit, no problem. Apply online; it takes about 2 minutes.

Recommended Reading:
37 Days to Clean Credit is a "well-written and very effective course - one of the most popular self-help guides in the credit repair genre these days!"
       - Bad Credit Auto Loans Blog

Bad Credit Customers May Consider Dealer Financing

If your have bad credit, it's best for you to work out your car loan before choosing the car. While it's possible to get a new or used car loan with a bankruptcy on your record or a poor poor credit history, it does require some creativity and a lot of additional leg work.

Bad Credit? No Credit? No Problem!One relatively new concept in bad credit auto lending has been around for years in other sectors. Have you considered dealer financing?

Some used car lots are now financing cars in-house by offering a buy here, pay here option. With this type of auto loan arrangement, you usually don’t even go through a credit check. Instead, you drop off your car payment at the dealership every week.

While the interest on these types of loans will be high, they are generally a good choice for borrowers with such bad credit that a credit check would entirely eliminate their chance of obtaining a loan. Before going with dealer financing however, you should apply at Auto Loan For Any Credit to determine if you qualify for traditional financing.

Related Posts:
Bad Credit Auto Loans With No Credit Check

Recommended Reading:
37 Days to Clean Credit is a "well-written and very effective course - one of the most popular self-help guides in the credit repair genre these days!"
       - Bad Credit Auto Loans Blog

How Credit Report Mistakes are Made


Mistakes on your credit report can cause plummet you into the sub-prime, bad credit car loans category faster than a Concorde Super Sonic Jetliner. When a credit reporting agency reports errors however, it's often because their data is incomplete or even contains information about somebody else.

Bad credit auto loans from reporting mistake typically happen because:
  • The person applied for credit under similar but different names (David Smith, Dave Smith, etc.).
  • Somebody perhaps made a data-entry error when reading and entering information from a paper and pencil application.
  • The borrower gave an inaccurate Social Security number, or perhaps the wrong number was entered by the lender.
  • Auto loan or credit installment payments were inadvertently applied to the wrong account.
It's important that you do a thourogh review of your credit report periodically to be sure that they aren't affecting you. Don't settle for a bad credit auto loan that you don't deserve!

Related Posts:
Determine Your FICO Before Applying for an Auto Loan 

Recommended Reading:
37 Days to Clean Credit is a "well-written and very effective course - one of the most popular self-help guides in the credit repair genre these days!"
       - Bad Credit Auto Loans Blog

Bad Credit Auto Loans Quiz...


Bad Credit Auto Loans Quiz...

True or False. I have bad credit and am applying for a used car loan. My bad credit score is the sole determinant on whether or not I get an auto loan.

False. Lenders use a number of facts in addition to your FICO score when making credit decisions. While your score is part of the decision making process, lenders will also consider the amount of debt you can reasonably handle based on your income, your employment history, and your credit history. Based on their subjective perception of all this information, lenders may extend an auto loan to you even if you have a bad cedit score.

Conversely, they may also use this same subjective information to decline you even if your score is high.

Related Posts:
Bad Credit Car Loans and Dealer Financing

Recommended Reading:
37 Days to Clean Credit is a "well-written and very effective course - one of the most popular self-help guides in the credit repair genre these days!"
       - Bad Credit Auto Loans Blog


Knoweth Thy FICO: Know Your FICO Score Before Applying for a Bad Credit Auto Loan


If you're applying for an auto loan and you have bad credit, you'd be wise to check your credit report and FICO score before applying for financing. In fact, the more you know about your financial situation before applying for the subprime auto loan the better - knowledge is power!

Note that it's perfectly okay to request and check your own credit report. Contrary to popular belief, your own credit inquiry will not affect your score as long as you order the report directly from the credit reporting agency or a CRA authorized organization.

Want another reason to get your score in advance?

Sometimes, unscrupulous car dealers will lie and tell you that you have a score that is lower than what you really have. You'll be glad you know your score in advance when this occurs! That's why it's so important that you know your FICO Score before applying for a bad credit auto loan.

Related Posts:
Bad Credit Car Loans and Dealer Financing

Recommended Reading:
37 Days to Clean Credit is a "well-written and very effective course - one of the most popular self-help guides in the credit repair genre these days!"
       - Bad Credit Auto Loans Blog

What's The Average FICO Score?


Q. I was rejected for an auto loan because of my bad credit score (469). Do you know what percentage of Americans have this low of a score? What’s the average FICO score?

A. According to Fair Isaac, the distribution of scores is as follows:

400-499 2%
500-549 5%
550-599 8%
600-649 12%
650-699 15%
700-749 18%
750-799 27%
800+ 13%

Your score of 469 puts you deep into the subprime (bad credit auto loan) market. You'll need to find a cosignor or find in-house financing in order to get your car loan approved.

If you don't know your credit score, it looks like Consumer Direct is the best way to go. You can get 4 Scores Instantly (FREE) which includes Credit, Auto, Insurance,and Employment Scores + Fix & Lock!

Related Posts:
Knoweth Thy FICO

Recommended Reading:
37 Days to Clean Credit is a "well-written and very effective course - one of the most popular self-help guides in the credit repair genre these days!"
       - Bad Credit Auto Loans Blog

Bad Credit Auto Loans With No Credit Check

Looking for a new or used car and you have bad credit?

Just follow the signs...
We Finance 
You Work, You Ride
Good Credit, Bad Credit, No Credit
Your Job is Your Credit
Even though banks and credit unions are the most usual places to get a car loan, most financial institutions are not particularly fond of lending money to people with bad credit. This is where car dealers that finance in-house can really be of help.

A subprime in-house lender will charge an interest rate that is higher than the usual "prime" lending rate which is charged by conventional lenders. The subprime lender tries to help his customers who have bad credit get a good car and a good loan, too. Though he charges a higher than usual interest rate, his rate is not high enough to make the buyer feel as if he's being ripped off.

Follow the signs for in-house lending!

Related Posts:
Knoweth Thy FICO

Recommended Reading:
37 Days to Clean Credit is a "well-written and very effective course - one of the most popular self-help guides in the credit repair genre these days!"
       - Bad Credit Auto Loans Blog

Bad Credit Car Loans and Dealer Financing




Bad Credit Car Loans and Dealer Financing

If your have bad credit, it's best for you to work out your car loan before choosing the car. While it's possible to get a new or used car loan with a bankruptcy on your record or a poor poor credit history, it does require some creativity and a lot of additional leg work.

One relatively new concept in bad credit auto lending has been around for years in other sectors. Have you considered dealer financing?

Some used car lots are now financing cars in-house by offering a buy here, pay here option. With this type of auto loan arrangement, you usually don’t even go through a credit check. Instead, you drop off your car payment at the dealership every week.

While the interest on these types of loans will be high, they are generally a good choice for borrowers with such bad credit that a credit check would entirely eliminate their chance of obtaining a loan. Before going with dealer financing however, you should apply at Auto Loan For Any Credit to determine if you qualify for traditional financing.

Related Posts:
Bad Credit Auto Loans With No Credit Check

Recommended Reading:
37 Days to Clean Credit is a "well-written and very effective course - one of the most popular self-help guides in the credit repair genre these days!"
       - Bad Credit Auto Loans Blog

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