Clean Credit in a Month

Live debt Free, Clean-up Interest & Penalty Charges on your Account and create a stable financial future, in weeks, not years... Introduction Inside this report, you will learn: 1. Disputing Credit Report Information. The information in your credit report can affect many areas of your life, so it's important to keep track of what's in it. If you find information that is incorrect for any reason, it's your job to dispute that information in order to have it removed from the report. Only you are looking out for your own credit rating, so it's to your advantage to pay attention to your report. 2. 6 Ways to Cut Credit Card Debt. Are you challenged with excessive credit card debt? Don't despair! While credit card debt can feel difficult, it can be overcome with a little work and planning. You can take action today, and achieve mastery over your finances! 3. Creating a Debt Repayment Plan. When you don't take steps to repay debt, it can grow into a force to be reckoned with. The reason is that debt collectors often assess additional fees and interest on the debt that you owe, so unpaid debts can become monstrous in short periods of time. Creating a debt repayment plan is essential to your financial health. 4. Easy Ways to Avoid Interest and Prevent Endless Debt. Interest can really wreak havoc on your financial position! It's so easy to end up in constant debt because of interest applied by your financial institutions and other organizations. Fortunately for you, it's fairly easy to avoid interest in most cases, as it essentially relies on your financial decisions and how quickly you make them. 5. Paying Off Debt vs. Investing. Should your primary concern be to repay debt or to invest any extra money that you have to work with?

Disputing Credit Report Information

The information in your credit report can affect many areas of your life, so it's important to keep track of what's in it. If you find information that is incorrect for any reason, it's your job to dispute that information in order to have it removed from the report. Only you are looking out for your own credit rating, so it's to your advantage to pay attention to your report. There are actually three credit reports: from Experian, Equifax, and Trans Union. Monitoring all three of these credit reports is essential because the information can differ from report to report. Follow this process to ensure your credit reports are accurate: 6. Request your credit report. The fastest way to get a copy of your credit report is to visit AnnualCreditReport.com, where you're entitled to receive a copy of each of your three reports for free once per year.

7. If you haven't been following what's in your credit reports, start out by requesting all three reports at once, because the information they contain can actually vary quite significantly, depending on who has reported what to them. The differences from one report to the next can amount to a significant credit score difference. 8. Once you've obtained and corrected past information in your reports, you can stay updated by spreading out your credit report requests to every 4 months. Simply request your report from one of the credit reporting agencies every 4 months, and over the course of a year, you'll have received all three. 9. Of course, correct important mistakes in all 3 of them if you find an error. 10. Verifying information accuracy. Comb over all three credit reports carefully in search of incorrect or inaccurate information. Any detail that isn't right should be changed, even if it's just a wrong address, because these pieces of information can have an impact on how lenders view you. 11. Contact the credit reporting agency. If you find information that needs to be changed in your credit report, the next step is to contact the agency in charge of that specific report. It can take some time to dispute incorrect information, so the sooner you begin, the better. 12. Writing a dispute letter. You can find sample dispute letters online that will give you a good starting point for writing this letter. Be professional and include all of the necessary proof that the information is incorrect so the credit agency can make the change. 13. Include copies of any documents that support your position. Do not include the originals. 14. Disputing an item. Typically, the credit agency (Experian, Equifax, or Trans Union) will contact the company that reported the false information, and an investigation will follow to determine whether or not the information is inaccurate. 15. Add accounts to your file. If not all of your credit accounts are being reflected on your credit file, then you may want to ensure that missing information is added. You can achieve this by contacting the companies that aren't reporting your credit history and asking them to begin reporting for you. 16. Not every company is going to want to report this information for you, so it can take some time for you to have this information added to your account. However, if you're diligent, you should be able to have the information added. 17. Following up. Follow up on your requests if you don't hear anything from the credit reporting company within 30 days, as this is the normal length of time for an investigation. The power is in your hands to keep your credit report in good standing. If there is inaccurate information in your credit report, or if important information is missing, then take the steps to get the information corrected. Your next job, home, or loan may depend on it.

6 Ways to Cut Credit Card Debt

Are you challenged with excessive credit card debt? Don't despair! While credit card debt can feel difficult, it can be overcome with a little work and planning. You can take action today, and achieve mastery over your finances! Try these easy ways to reduce and eliminate your credit card debt: 18. Always pay more than the minimum. To avoid paying for what seems like forever, you have to kick in more than the required payment. 19. Look at how much you pay monthly that's going towards the interest. Only the amount beyond the interest payment is actually reducing your debt. 20. Consider your savings. While you'll definitely want to keep some cash on hand for emergencies, using part of your savings to pay on your credit card can be a smart move. 21. If the interest rate on your credit card is 17%, and the interest on your savings account is 1%, you'll actually be way ahead in the long run if you put that money towards your credit card. 22. Borrow against your 401k. If you feel like you're drowning in debt, you can always borrow money from your 401k. 23. All the interest you pay goes back into your 401k and can earn you even more money. 24. Currently, these loans have to be paid back within 5 years. Check with a financial advisor to get all the details. 25. A 401k loan can effectively eliminate your credit card debt, and the payments will be taken out of your paycheck, so you won't be tempted to spend the money in other ways. 26. Negotiate with the credit card companies. Credit card companies, like everyone else, want to be paid. 27. If you truly can't pay under your current terms, they may be willing to make some adjustments for your situation. Interest rates can be lowered and incurred penalties can be reduced or even removed. 28. Although these companies are more likely to negotiate if you already have a history of paying late or not paying, it can't hurt to ask! You might be surprised what they're willing to do for you if you're proactive. 29. Find a lower interest card. There are a lot of credit cards out there. Moving your high interest rate balance to one of a lower interest rate can possibly save you a lot of money. 30. 31. Also, you can call your credit card company and tell them you're looking to move your balance to a lower rate card; they might just reduce your interest and save you the trouble. 32. If you do decide to move your balance, be sure to read the fine print. Sometimes those lower rates are just temporary.

33. Home equity can help. If you're a homeowner with equity in your house, you can use a home equity loan to pay your credit cards. The interest you're paying is even taxdeductible in most cases. 34. Ensure the payments will be manageable for your situation. Home equity loans can get expensive quickly! Plus, your home is your collateral with a home equity loan, so if you don't make your payments, you could lose your home to foreclosure. Whatever strategy you use, avoid the common mistake of running up the balance on your credit cards again. Then you'll potentially have a loan and a credit card balance to deal with. Cut up those cards you don't need (yes, literally!), and move forward with your life on a cash-only basis. If you've got a lot of debt, avoid waiting for things to get even more challenging. Pick the best idea for your situation and charge full-speed ahead. Imagine how much better you'll feel when that credit card statement arrives in the mail, and the balance owed reads $0.00!

Creating a Debt Repayment Plan

When you don't take steps to repay debt, it can grow into a force to be reckoned with. The reason is that debt collectors often assess additional fees and interest on the debt that you owe, so unpaid debts can become monstrous in short periods of time. Creating a debt repayment plan is essential to your financial health. Follow these steps for an effective and workable plan: 35. List all of your debt. Write down everything that you currently owe money on, including debts that you repay monthly and debts that you've allowed to slip out of your conscious thoughts for a while. 36. Old debts that you've pushed aside have a way of coming back to haunt you, especially if you decide to apply for a mortgage loan or some other types of loans. So it's wise to pay off all of your debt, not just some of it. 37. Rank your debts. Once you have a list of all of your debts, rank them in an order based on how you want to repay them. Some people choose the snowball effect, which entails paying down the smallest debts first, then moving to the largest. 38. Another good strategy is to pay off the debts with the highest interest rates first so that you're not accruing a lot more interest while you're working on other debts. 39. Both of these strategies are fine; ultimately, you want to choose the one that's best for you. 40. Determine your budget. Figure out how much money you can reasonably spend on debt repayment from month to month. Even if each debt is large, you can still pare them down by making monthly payments. 41. Be realistic about how much money you have to spend. Don't take money away from other obligations to pay down debts - only use money that you have outside of your

normal financial obligations. 42. Create an emergency fund. If you don't already have an emergency fund, now is the time to put one together. Save at least $1,000 before you begin paying down debt so you have money to fall back on in the event of a financial emergency. 43. Pare down your first debt. Once your emergency fund is put together, start at the top of your debt repayment list and work down. 44. Focus on a single debt at a time. Focus your attention on only one debt at a time rather than spreading your budget money out over numerous debts at once. The reason is so you can pare down and wipe out one debt after another, maintaining your focus and momentum. 45. Put any extra money into savings. In the months when you find that you have extra money, consider putting it into your savings account or emergency fund. As with any personal finance plan, your own experiences may vary depending on your debt and how much money you have to work with. Using these guidelines, design a plan that works well for your own situation, and soon you'll be enjoying the many benefits of a debt-free lifestyle.

Easy Ways to Avoid Interest and Prevent Endless Debt

Interest can really wreak havoc on your financial position! It's so easy to end up in constant debt because of interest applied by your financial institutions and other organizations. Fortunately for you, it's fairly easy to avoid interest in most cases, as it essentially relies on your financial decisions and how quickly you make them. Try these tips to avoid interest in some day-to-day scenarios: 46. Pay your car loan on time. If you've acquired a car loan through a financial institution, there's bound to be fees for making late payments. In many cases, these fees are added on to your remaining balance and make your monthly payments that much higher. The best way to steer clear of scenarios like this is to pay your car loan on time. 47. This bit of advice goes for any other loan you could have, including a mortgage. 48. Institutions will always apply fees and charges to delinquent accounts and you do not want to be in that position. 49. Avoid going over the limit on your credit card. Having a credit card could be considered a liability to begin with if you're unaware of how to properly manage it. 50. It becomes even worse when you end up going over your limit. 51. The fees that the financial institutions add on once you go over your limit are exorbitant and can really push you into debt. At all costs, sidestep those expenses if you want to remain debt free.

52. Consider automatic deductions. You're probably like many other people who would prefer to make monthly commitment payments on their own accord as opposed to having automatic deductions from their bank accounts. However, it makes more sense to do automatic deductions because: 53. You'll eliminate the possibility of incurring fees and charges from missed or late payments. 54. Automatic deductions ensure that your payments are taken from your account on a set date. As long as you have money in that account to cover the payment, you're sure to get your payments made on time without late fees or added interest for delinquency. 55. Avoid credit; use cash. With credit inevitably comes interest, unless you pay the total due on your account before the first due date. It doesn't get any simpler than that! If there's any remote way you can make a purchase or complete a transaction with cash, then by all means take that route as opposed to credit to avoid interest altogether.

What To Do When You're Finally Debt Free

As an added piece of advice, your intention should be to remain debt free once you've gotten to that point. It will take some keen attention, but it's undoubtedly attainable. These strategies will help keep you from incurring debt and additional interest: 56. Return all but a couple of your credit cards. Keeping some open and active will enable you to build a higher credit score for future loans, like a mortgage loan. 57. Use your cards from time to time, but have the cash available to pay off the total amount charged before the first payment is due. 58. Settle any interest or debt you do incur at the soonest possible time. 59. Build up your savings to handle emergency cash needs. Adhering to these simple tips will make it easier to prevent debt and interest and maintain control of any debt you do incur. So there you have it - easy ways you can avoid interest being applied to your day-to-day expenditures. By using these tips, you'll significantly lessen the chance of being exposed to the burdens brought about by debt. Paying Off Debt vs. Investing Should your primary concern be to repay debt or to invest any extra money that you have to work with? It can be hard to determine which course of action will best benefit you at any point in time. If you have a sum of money, such as a tax refund, it's best to consider the most effective way to use that money with your future in mind.

Deciding whether to pay off debt or invest is a scenario that you're likely to face many times. The best decision for you will depend on your own unique financial situation. Here are two paths to consider when making this decision: 60. Rate of return. This path involves looking solely at the numbers. What's the most profitable use of your extra money? Since not all debt is created equally, the solution isn't always clear. Student loans, mortgages, and similar debt may have low interest rates and you could profit more by investing rather than seeking to pay these off early. 61. Credit card debt, on the other hand, costs you more. It typically comes with an exorbitant interest rate, making it wise to pay this debt off as soon as you can. The rate of return on paying off a debt like this would often be better than investing that money. 62. Check your credit card interest rates, or interest rates on other lines of credit that may be costing you money before you decide what to do with your windfall. 63. Saving for retirement is also essential, however, so consider the options available here as well. Does your employer contribute matching funds to what you put into your 401(k)? Consider investing at least the amount that your employer will match in order to double your money immediately. 64. How you feel. You should look at more than the numbers, considering your own feelings as well. Where do you think the money would be best used? If you have a significant windfall, do you feel best investing it or using it to repay a large portion of your mortgage? The best answer for you will fall in line with your highest priority goals. 65. It's important to make the decision that you'll be happiest with, so consider all options before applying money to one or the other. 66. You may want to speak with an investment professional or your family for advice. They may point out options you hadn't considered. Two Important Considerations Before you begin to pare down your debt or invest, there are two important things you should consider: 67. The first is to ensure that you have an emergency fund so you won't have to rely on credit in the future if a financial emergency occurs. 68. If your company has a 401(k), begin investing in it as soon as you can, even if you cannot invest a lot at first. At the very least, invest enough to receive matching funds from your employer. Keep in mind that very rarely do you have to rush to a decision. Take your time and make choices that will benefit you both in the short term and for your future. Ultimately, it's up to you to decide how you want to spend your money. Follow these tips to help you make a decision you'll be happy with.

Wrapping up...
In this report, we've shown you: 69. Disputing Credit Report Information. The information in your credit report can affect many areas of your life, so it's important to keep track of what's in it. If you find information that is incorrect for any reason, it's your job to dispute that information in order to have it removed from the report. Only you are looking out for your own credit rating, so it's to your advantage to pay attention to your report. 70. 6 Ways to Cut Credit Card Debt. Are you challenged with excessive credit card debt? Don't despair! While credit card debt can feel difficult, it can be overcome with a little work and planning. You can take action today, and achieve mastery over your finances! 71. Creating a Debt Repayment Plan. When you don't take steps to repay debt, it can grow into a force to be reckoned with. The reason is that debt collectors often assess additional fees and interest on the debt that you owe, so unpaid debts can become monstrous in short periods of time. Creating a debt repayment plan is essential to your financial health. 72. Easy Ways to Avoid Interest and Prevent Endless Debt. Interest can really wreak havoc on your financial position! It's so easy to end up in constant debt because of interest applied by your financial institutions and other organizations. Fortunately for you, it's fairly easy to avoid interest in most cases, as it essentially relies on your financial decisions and how quickly you make them. 73. Paying Off Debt vs. Investing. Should your primary concern be to repay debt or to invest any extra money that you have to work with? However, this is just the beginning. If you'd like to know more about debt, and ways to repair your credit then you may find the following article useful:

SPECIAL REPORT: Is It Possible To Boost Your Credit Score By 135 Points Or More In Just 37 Days, Even If You're Close To Bankruptcy And Can't Afford an Accountant?
According to Chris, a leading "DIY Finance" Expert in the US, and owner of the popular website: 37 days to clean credit.com, the answer is yes! "Like millions of hard-working Americans... struggling to get by, I was getting denied for credit everywhere I turned. Yes, part of it was my fault, but the credit card approvals came so fast I couldnt resist. It started back in college when I got my first credit card. Like many young people, I quickly racked up over $14,000.00 in student loans and credit card debt. Not to mention, I barely had any income, so I was missing payments left and right.", Chris tells us. Why most people struggle

According to Chris, there's a reason why so many people struggle with poor credit, despite so much help being offered to them today... "The first thing I did was try a so-called professional credit repair agency, but they simply took my money and didnt help me one bit. In fact, not long after I signed on the dotted line with a company that was supposed to help me. I saw an article quoting Eileen Harrington, Deputy Director of the FTC's Bureau of Consumer Protection. Heres what she saidCredit repair schemes are a big problem for consumers. Credit repair promoters generally charge hundreds of dollars, but don't deliver on their claims." Geez, I wish I knew that before I flushed $400 down the drain." How Chris conquered his terrible credit rating with a unique approach "I started researching credit repair, fixing credit, getting better credit all the stuff that I thought would help me figure it out. I literally had hundreds of pages of tips and strategies printed out all over my apartment. I felt like a detective trying to solve a mystery and after countless hours trying to figure out how the credit system worked. I began to find buzz-words, catch phrases and dirty little secrets that got the credit bureaus to take action So much action that my credit score improved by 135 points and only cost me a few bucks on stamps...", Chris tells us. Chris focuses on the unique DIY approach of exploiting legal loopholes in the credit system to repair your credit quickly, and easily. Was it worth it? "I used my templates to raise my own credit score 135 points in only 37 days, and deleted 9 inqiries using one proven letter. Eventually, my credit score went from a lousy 520 all the way up to 655 in just 37 days! Today my score is way over 700." And Chris is not alone. He has helped over 5000 people boost their credit score using his methods. There are many success stories that you can read on his website, http://37daystocleancredit.com that should, at the very least, inspire you to give it a try too. To learn more about Chris' solution, and his story, along with dozens of other stories from people who have also tried this solution, visit: 37 days to Clean Credit. What others are saying "Chris, man I was skeptical... But a couple bucks one time vs. a certain Credit Repair Law Firm 40 bucks a month. " Mark Carlton, Carlsbad, CA Click here to read the full review "Chris, I just finished your credit repair program and was completely blown away! It's compact and exactly what I was looking for. No fluff. No BS. " Terry Jenkins, Boston, MA Click here to read the full review

"Chris, thank you so much for you course. To be honest, I was very skeptical before buying your course. I really had nothing to lose, so I decided to give it a try." Stephanie Ross, Atlanta, GA Click here to read the full review A Personal Note: If you've got poor credit you need to clean it up if you want to have a chance at living a normal fulfilling life. Follow up on the resources offered here or find some other resource but work hard to make an improvement in your Credit Score. It will save you money and make you richer in the long run. Besides you'll feel a sense of pride knowing that you are one of the few who get treated with respect because of your Credit worthiness. Much Success, Robert B Jameson Cashologisttm