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Credit Repair

In 1996, the Credit Repair Organization Act (CROA) was signed into law by President William Jefferson Clinton. The purpose of this law is to protect consumers from predatory credit repair organizations by regulating the entire credit repair industry. The law came into existence after the media and legislators began scrutinizing the practices of the credit score repair clinics, some of which were taking advantage of consumers with a need to repair bad credit.

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Common Misconceptions about Credit Repair

On January 31, 2012, in Credit Aid, Credit Repair, by KimberlyC

Credit Repair

There are several misconceptions about credit repair which cause people to shy away from this service. Today, we give you the top four misconceptions and explain why they are just myths.

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Debt Consolidation

There are hundreds of debt consolidation relief programs available to consumers who find themselves overwhelmed with debt. However if you are more of a do-it-yourself type of person, it is possible to do debt consolidation on your own. As long as you can keep track of your records, get a loan, make phone calls and pay your bills you can take care of this by yourself.

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Who Determines my Credit Score?

On January 31, 2012, in Credit Aid, Credit Score, by KimberlyC

Credit Score

When you apply for credit or a mortgage, the creditor takes down your identifying information and uses the information to request a credit score from one or all of the three major credit bureaus. A good credit score is 600 or better. Anything below that and you may find yourself paying exorbitant interest rates or denied credit. In a world built on credit use, failure to attain credit can mean the difference between getting what you want now or having to wait until you have the cash in hand.

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