AcharyaCenter.com - How To Guides, Tips and Resources

3 Things To Look For In A Credit Repair Company Online

0 like 0 dislike
1,340 views
posted in Finance by Monkeyno

tax-468440__340.jpg

If it's been a while since you've looked at your credit report, you may be surprised to find errors, mistakes, or even a black mark or two. Fortunately, a Credit Repair Company can help you fix those mistakes and erase those black marks. Watch out for scammers, though, and choose a reputable Credit Repair Company with these tips:

Don't pay anything up-front

Avoid a Credit Repair Company that wants you to hand over a fee or payment before they meet with you. Reputable companies will first talk to you, assess your credit report and discuss your current situation before asking for any type of payment for their services. An up-front fee is a red flag that the company will probably take your money and run. And no matter what type of charges you may incur, be sure they aren't exorbitant. If a Credit Repair Company claims your case will cost thousands of dollars, look for another one.

Watch out for "re-inventors"

Some companies will tell you that you can wipe your credit slate clean by "re-inventing" yourself with a new social security number. But that's not true! In most cases, what they plan to do is get you a new credit report by applying for an Employee Identification Number (EIN)--used by businesses--which resembles a social security number, and you're told to use it as such. But this practice, known as "file segregation," is a scam, and it's also illegal! Avoid any Credit Repair Company that suggests this practice.

Look for one that helps you help yourself

A good Credit Repair Company will tell you (for free!) what you can do yourself, such as writing letters to creditors and contacting the credit reporting bureaus about errors. Avoid any Credit Repair Company that encourages you to do anything illegal or unethical--such as disputing a legitimate charge or fee on your credit report.

Before signing up with any Credit Repair Company, make sure you check with the Better Business Bureau. They'll have records of any formal complaints against the company, so you can avoid scammers and rip-off artists.

Please log in or register to reply to this post.

Related posts

0 like 0 dislike
0 comments 232 views
3 Ways To Get Approved For A Business Credit Card

If you run your own business--whether it's a retail store, direct sales, hobby shop or freelance consulting--chances are you've thought about getting a business credit card. It's probably a good idea, since it makes it easy for you to separate your business ... seconds to a month. To find business credit cards online, do an Internet search or check the websites of major credit card companies.

image
posted in Finance by Tomatoad
0 like 0 dislike
0 comments 404 views
A Credit Repair Agency – What Can It Do For You?

A credit repair agency advertises that it can help you repair bad credit so that you will qualify for that loan you need to buy a new car or take a vacation. However, you do have to be careful when engaging the services of one of these agencies because many ... charge of your finances, your credit rating will soon start to rise. Do you really need a commercial credit repair agency? Probably not.

posted in Finance by FrighteningTwinkles
0 like 0 dislike
0 comments 717 views
3 Things To Look For In A Home Purchase Lender Online

If you're ready to buy a new house, you're going to need a Home Purchase lender. And finding one online is convenient and simple! However, there are a few things you should look out for to ensure that your lender has your interests--and not his--as his top priority. ... your loan, and lock-in your rate, it's time to compare rates, fees and other charges to make sure you're getting the best deal.

posted in Finance by Dragonig
0 like 0 dislike
0 comments 140 views
7 Options To Consider When Taking Out A New Credit Card

How many times have you taken out a credit card based purely on its current interest rate or balance transfer option? You may be surprised to note there are at least 7 elements worthy of consideration when you take out a new credit card. To judge a new credit card ... Don't just pick the card with the longest balance transfer period or lowest interest rate as it may cost more in the longer term.

image
posted in Finance by BunBunny
0 like 0 dislike
0 comments 195 views
A smart way to manage credit cards

Credit cards are a great way to help you to control your finances. It's true that occasionally we may make poor decisions with our money, while other times the events in our life can take us beyond what we want and we are sadly left holding the bill. ... Reduced interest rates will ultimately increase the amount of money you keep and a fixed amount due every month will help you plan your budget.

image
posted in Finance by MagicalCyborg
0 like 0 dislike
0 comments 1,443 views
5 Things You Should Know About 0 APR Credit Card Offers

If you have received one of these offers in the mail, you know how tempting they can be. They claim that you will pay no interest on any purchases or balance transfers in the first period of owning your card. But there are some things about these offers you ... your loan balance will help you pay off the balance without interest, but it will not remove the damage already done to your credit.

posted in Finance by PositiveVoid
0 like 0 dislike
0 comments 144 views
10 Tips To Improve Your Credit Score

These days most of us avail loans to buy a house, set up a business, or buy a car. Many students take loans to further their education. How soon the loan is sanctioned, the rate of interest, and the amount sanctioned will all depend on your credit score which is ... . All you need to do is to sit down and curtail expenses, plan you income-expenditure , and avoid spending what you have not earned.

image
posted in Finance by Celestiger
0 like 0 dislike
0 comments 222 views
5 Easy and Quick Ways to Improve your Credit Score

Your Credit Score is one of your biggest financial assets. If your credit score is high, your borrowing rates will be low and therefore save you hundreds of dollars. The big mystery is how to maintain a high credit score. Well if you want to either maintain ... a credit score monitoring service, it will protect you from fraud and help inform you of ways to increase your credit score when needed.

image
posted in Finance by DreamBaby
0 like 0 dislike
0 comments 175 views
5 Ways To Instantly Increase Your Credit Card Limit

A lot of credit card holders aspire for a higher credit card limit. But: credit card holders need to remember that to get a higher credit card limit, they must abide by the terms and conditions of the credit card company or their bank. Here are 5 ways ... that your performance in the records of banks and credit card companies will determine whether you'll get a higher credit card limit or not.

image
posted in Finance by ShowDolphin
0 like 0 dislike
0 comments 182 views
Accepting Credit Cards Over the Phone

There has been a huge growth in the number of cold calls, and unsolicited offers that people receive on their home and business phones. The process can be very intrusive and frustrating and is the subject of a growing number of complaints. Many of these calls come from ... that you would like to be dealing with. Finally, look at the address carefully and make sure that it all appears above board.

posted in Finance by ForceSoldier
0 like 0 dislike
0 comments 193 views
Tips To Apply For A Credit Card

Filling out a credit card application is just like filling out a job application-everyone needs some tips to use so that they get approved. If your credit is bad, then it may be a little more difficult to get a credit card than if you have good credit. Do not give ... bill comes in that you can make the payments. If you are not completely sure, then don't get a credit card until you are ready.

image
posted in Finance by Oystrich
0 like 0 dislike
0 comments 510 views
7 Tips To Help Reduce Your Debt

As debt continues to increase in many households across America, more families each year are finding themselves looking for ways to reduce their overall household debt. For some, this may be easier said than done. Debt reduction requires a lot of hard work and ... spending habits to help tremendously. Financial counselors can also show you how to better manage your money, and stick to a budget.

image
posted in Finance by GiftedWrecker
0 like 0 dislike
0 comments 209 views
A Guide To Credit Card Debt

When talking about credit card debt, the effects of debt depend upon such factors as the sources of loan funds, the purpose for which borrowing is done, the terms and conditions under which the debt is floated, the volume of the existing debt, the ... interest rates. If the financial institutions get tax exemptions for their loans, this will tend to encourage the purchase of their securities.

image
posted in Finance by UncleRhino
0 like 0 dislike
1 Comment 224 views
How to improve my credit ratings?

How to improve my credit ratings?

posted in Finance by Titank
0 like 0 dislike
1 Comment 295 views
How To Avoid Credit And Charge Card Fraud?

How To Avoid Credit And Charge Card Fraud?

image
posted in Finance by BeautifulWolf
0 like 0 dislike
0 comments 31 views
Credit Cards For High School Students

Students in high school that are looking to start building their credit early can get high school student credit cards. These credits cards can help teach high school students responsibility, and how to manage their credit at an early age. These types of credit cards are ... with students. If you are unsure - make sure you look into all options available to you and compare what you find out.

posted in Finance by Madept
0 like 0 dislike
0 comments 23 views
Getting A Higher Limit On Your Credit Card

Nearly everyone who has a credit card always has the goal of a higher line of credit. A higher credit card limit will enable you to make much higher purchases, normally purchases that you are unable to get with your current line of credit. There are ways that you ... it at all costs. If you continue to strive for perfection - you'll get a higher line of credit than you ever thought possible.

posted in Finance by HairyFoal
0 like 0 dislike
0 comments 24 views
How To Avoid Late Credit Card Fees

Although it may be overstated, there is a lot of truth to people ruining their credit score due to missing payments and paying their credit card bills late. The fees can pile up and the interest rates can grow before you know it, and after a while you won' ... you simply aren't able to make your payment, you should contact your credit card issuer immediately and see if you can work something out.

posted in Finance by FoolishJaguar
0 like 0 dislike
0 comments 1,448 views
Learning About Cash Back Credit Cards: Good or Bad Idea?

Getting a credit card that offers cash back always sounds like a good idea. What could be better than getting cash back on all the purchases that you make with your credit card? It sounds too good to be true, doesn't it? Well, there are cards that give you ... few limits. If, however, you have a bad credit rating, you may want to find a credit card that will help you rebuild your credit.

posted in Finance by Sassassin
0 like 0 dislike
0 comments 1,023 views
About Sports Affinity Credit Cards

Affinity cards are a special kind of credit card which are linked into the cardholder's lifestyle in some way, offering benefits of a more personalized nature than the typically available 0% balance transfer offers and the like. Examples of affinity programs are charity ... as important to you as the fact that your card will be showing your support for your team both visibly and financially.

posted in Finance by HairySeahorse
0 like 0 dislike
0 comments 894 views
Accept Credit Card In Your Business

Should you accept credit card in your business transactions? Many small companies or home-based businesses avoid doing so because of their concern over fees and expenses that may drain away potential profits. Yet the actual cost of implementing credit card payment ... next level of sophistication by applying for a merchant services account so you can accept credit card in your business payments.

image
posted in Business by BouncyOracle
0 like 0 dislike
0 comments 203 views
5 Things You Should Know Before Submitting Instant Approval Card Applications

At the rate how mailboxes are bombarded with credit card offers, it's probably amazing for anyone not to have considered these cards at least once. Nonetheless, credit card companies now make it even easier for consumers to apply for a credit card through instant approval ... . With the recent spat of identity thefts, it is wiser to be safe than sorry, especially when it comes to credit cards.

image
posted in Finance by HuggingDuck
0 like 0 dislike
0 comments 28 views
Vacation And Credit Cards

Each and every year, many of us go on vacations. Vacations are a great way to relax, and get away from the everyday pressure of life. Over half of all American families take their vacation between April and September, meaning that they spend a lot of money ... do is look for your favorite company online and apply through their website - you'll normally receive a response in a matter of minutes.

posted in Finance by Cybora
0 like 0 dislike
0 comments 24 views
The Cost Of Credit Cards

Although some choose to rush into getting a credit card, they normally do so without being aware of the costs. A lot of credit cards out there come with hidden costs and charges, and you should always be aware of this before you apply. In most cases, these fees ... . To protect yourself and your credit - you should always be aware of the costs - and how to prevent them from happening to you.

posted in Finance by Prepatriarch
0 like 0 dislike
0 comments 24 views
The Air Mile Credit Card

Air mile credit cards give you points or miles with every purchase you make, which you can redeem for traveling related expenses. In most cases, you can use your points or miles to get a free airline ticket to travel to a destination of your choice. Frequent flyers can ... air mile credit card you get as well - as this can help you to make your decision when you finally decide to get the card.

posted in Finance by Knightmare
0 like 0 dislike
0 comments 25 views
Student Credit Cards

In today's world, having a credit card is a luxury. Credit cards are a great convenience, meaning that you don't need to worry about cash when making a purchase. Although some credit cards have strict requirements, there are a lot of manufacturers that are ... look into student credit cards. They can help your child to establish credit - which will take them farther wherever they go in life.

posted in Finance by VirtualAssassin
0 like 0 dislike
0 comments 34 views
Small Business Credit Cards

In today's economy, small businesses play an important role. These days, it is easier than it ever has been to start a new small business. There are all kinds of new businesses popping up all over the United States, from department stores to gas stations. ... even if your business is just getting started. Before you know it, your small business credit cards will more than pay for themselves.

posted in Finance by TwinNut
0 like 0 dislike
0 comments 24 views
Credit Cards With Cash Rebate

Credit cards with cash rebate incentives give you cash rewards each and every time you make a purchase with your credit card. Although there are many types of reward credit cards out there, more and more companies are leaning towards cash back incentives, as most ... get a cash rebate credit card and begin living life knowing you will be getting cash back for just about anything you purchase.

posted in Finance by HuggingDuck
0 like 0 dislike
0 comments 26 views
Credit Cards And Credit Reports

Over the years, credit cards have become very popular. When they were first introduced, they were popular, although these days millions of people use them. There are many types of credit cards available, including those that help people who have bad credit. You should always ... free of negative ratings. If you keep up things up to date - you'll enjoy the benefit of a positive credit report.

posted in Finance by Camella
0 like 0 dislike
0 comments 25 views
Credit Card Reward Cards

No matter where you look, there is always a credit card company that is offering reward programs with their credit cards. New ones pop up all the time, making it sound too good to turn down. Even though they may sound great, you may wonder if the rewards ... card however - you should always take the necessary time to read the fine print and compare what each unique company has to offer you.

posted in Finance by Hawkward
0 like 0 dislike
0 comments 23 views
Credit Card Fraud

This day and age, credit card fraud is very common. Victims of credit card fraud often experience a lot of hassle and stress. If you have a credit card, you should always be aware of the security features that is included with the card. If you are looking to ... . This way, you can let them know what happened - and take the necessary steps in stopping fraud before it goes on any farther.

posted in Finance by Titank
0 like 0 dislike
0 comments 22 views
Credit Card Debt

In the world of credit cards, credit debt is all too common. Debt from credit cards can be very stressful, and lead to a very crippling situation. No one is immune to credit card debt, as even students can experience debt with their credit cards as well. With people ... to avoid it all together. If you pay your bills on time and never miss a payment - you'll always live a debt free lifestyle.

posted in Finance by FlamboyantChomper
0 like 0 dislike
0 comments 29 views
Consolidate Your Credit Card Debt

Consolidating your credit card debt is actually one of the smartest decision you could ever make. Credit card consolidation is ideal for anyone who is looking to have better credit now, and in the future. Consolidation is very common these days, and it is actually ... card debt consolidation is a great thing, you should always do yourself a favor and wait until you find the best deal possible.

posted in Finance by AfternoonFay
0 like 0 dislike
0 comments 25 views
Comparing Credit Cards

All across the United States, there are hundreds and hundreds of banks and credit card companies looking for your business. This day and age, banks and credit card companies are in competition with each other, trying all they can to get your business. To try and get your business, ... what you want. If you know what you want before you go online - you'll save yourself a lot of time and money.

posted in Finance by PlushSeal
0 like 0 dislike
0 comments 21 views
Choosing Your Credit Card

As you probably already know, there are many credit cards out there. The one you choose however, should reflect your lifestyle and your ideal spending amounts. If you are looking for the best possible deal and the best company for your credit card, you'll obviously need ... time, you'll help raise your credit and eventually be able to purchase even bigger things - such as a car or even a house.

posted in Finance by PerfumedNecromancer
0 like 0 dislike
0 comments 30 views
Bank Secured Credit Cards

Even though there are many types of credit cards out there for consumers, there are few for those with bad credit. Those who are looking to repair their credit have a few options available, one of which is the bank secured credit card. This credit card can ... standing for a period of time - you'll have the satisfaction in knowing that you are taking the right steps in rebuilding your credit.

posted in Finance by CheeryGrin
0 like 0 dislike
0 comments 117 views
Credit Card Savings

Having a credit card is very convenient since carrying a lot of cash becomes unneccesary and you might even have a hard time leaving your credit card at home. But with its advantages comes also its disadvantages. Since you can always buy things without carrying ... save money when using your credit card, unnecessary items like jewelry and the like should be at the bottom of your considerations.

posted in Finance by Tabooccaneer
0 like 0 dislike
0 comments 1,123 views
6 Things to do if involved in a Motorcycle Accident

Motorcycle accidents have a reputation for being some of the deadliest. Motorcycles offer little protection to riders in the event of an accident; therefore the injuries are often severe requiring long recovery periods. Usually, motorcycle accidents are not the biker's fault. ... be reluctant to pay for an injury later on. 6. Contact a motorcycle accident injury lawyer as soon as possible.

posted in Business by MysteryWasp
0 like 0 dislike
0 comments 515 views
How To Buy A Spy Camera In 3 Easy Steps

I bet you are frustrated by the lack of information about spy cameras available on the internet. I sure was. There seams like there are just a few big companies who have blown their entire advertising budget to make a big splash. (This includes the X10 camera of the ... is what you will use to ensure that you get the best deal possible. Learn all about spy cameras and save yourself a bundle.

posted in Technology by BrownPriest
0 like 0 dislike
0 comments 95 views
3 Tips For Becoming An Outstanding Online Instructor!

Distance Learning is a popular choice for many college students these days. After all, what could be more convenient than taking a college course from the comfort of your home (or dorm or office ) computer? While distance learning has grown tremendously over the last few ... up in front of a large group. Teaching online can be very exciting, and very rewarding, as long as you are prepared!

image
posted in Family by Cybora
0 like 0 dislike
0 comments 367 views
3 Little Known Tips For Shopping For Craft Supplies Online

Let me ask you a question. Did you ever think that the internet would become so powerful and pervasive, that even craft supplies would turn into big business online? Neither did I. But it's true. You can actually find just about any type of craft supplies that ... supplies' shopping than first meets the eye. Learn all about how to shop for crafts, there is an entire world waiting for you online.

posted in Arts by GroundHurricane
0 like 0 dislike
0 comments 24 views
Protecting Your Personal Information

We all know that criminals are out there, waiting to steal our credit card information. These very criminals want credit card information so they can run up the charges then leave you holding the bags - with nothing to show for it. Even though some are local, most ... t get it. A criminal will do anything to get what they want, which is why protecting yourself is so very important these days.

posted in Finance by AwfulSlingshot
0 like 0 dislike
0 comments 980 views
A week in the life of an online student

Ever wondered what it would be like to be taking college courses online? This entry will give you a flavor of how online classes are conducted and what you as the student have to do to be successful. The course I am taking is a human-computer interaction course for my ... like the interaction of a class. I like both methodologies. You may prefer one or the other, you won't know till you try.

posted in Business by SilkPredator
0 like 0 dislike
0 comments 133 views
3 Important Things To Remember When Training Your Puppy

There are as many ways to raise a puppy as there are to raising a child. In fact, one way per family in general! But most of us agree that when it comes to children, certain things are universal and undisputed. Here are three things that a lot of ... a happy, well-adjusted and obedient dog for life. These three important tips, used consistently with confidence, will start him well on his way.

image
posted by TrustyKitty
0 like 0 dislike
0 comments 161 views
3 Things You Must Do Before You Submit To Article Directories

To all writers and non-writers out there, now is the time to start digging up those creative writing skills back. With modern communication technology comes the popularity of information-based marketing, which is one of the oldest and most effective techniques in getting ... Learn the difference between these two and it will surely help you know what kinds of articles to write and to submit.

posted in Business by TrainedGuy
0 like 0 dislike
0 comments 130 views
3 Things To Do Prior To Submitting Articles

To all writers and non-writers out there, now is the time to start digging up those creative writing skills back. With modern communication technology comes the popularity of information-based marketing, which is one of the oldest and most effective techniques in getting ... Learn the difference between these two and it will surely help you know what kinds of articles to write and to submit.

posted in Business by MammothMoth
0 like 0 dislike
0 comments 211 views
7 Tips For Better Online Banking

Banking has never been easier than it is today. Online banking allows you to access your bank at any time of day or night. You can even do this dressed in your underwear if you like. And if you choose to do it that way, it's just as well there are no ... clicking a link. The site may look authentic, but it will probably be a fake. Respectable banks don't ask anyone to verify details by email.

posted in Finance by PlushSeal
0 like 0 dislike
0 comments 448 views
5 Things You Should Know Before You Flip A Property

1. Money is made at the buy, not the sell of your flip. When flipping a house your money is made at the purchase not at the sell of the house. So, many times people buy a house with the intensions of making a huge profit only to find out that they could not ... money. But, do your homework before you purchase a house, and make sure that you can pull a profit on your deal. Then, make it happen!

image
posted in Finance by AmazingKitty
0 like 0 dislike
0 comments 185 views
Selecting a Cruise Line: What to Consider and Where to Look

In the United States and all around the world, cruises are a popular vacation choice. Instead of visiting a beach, an amusement park, or going camping, more individuals are making the decision to book a cruise. If you are interested in vacationing aboard a cruise ship, ... of a vacation. Doing so will ensure that you book a cruise with the cruise line that can provide you with want you want.

image
posted in Travel by Sumogre

Share Tips and Guides

Add text, links, images, videos and documents

Submit Post

949 posts

24 comments

0 comments

31,162 users

Most popular topics

# selfhelp | # money | # parenting | # vacation | # kids | # creditcards | # cruises | # allergy | # security | # relationships | # babycare | # depression | # elderly-care | # coffee | # budget | # cooking | # education | # credit | # drinks | # us-news | # cars | # crafts | # dating | # games | # quotes | # politics | # hobbies | # reviews | # shopping | # gifts | # website | # healthcare | # safety | # marketing | # addiction | # sports | # life | # ecommerce | # blogging | # advertising | # clothing | # entertainment | # success | # movies | # photography | # sales | # arts | # painting | # drawing | # dogs | # communications | # vehicles | # stress | # biking | # jobs | # college | # sleep | # science | # home-schooling | # domains | # data-recovery | # trading | # affiliate | # debt | # leasing | # celebrities | # government | # dinner | # family | # vacation | # hurricane | # customer-service | # renting | # laws | # holidays | # wedding | # bikes | # auctions | # fishing | # music | # yoga | # school | # happiness | # business | # autocare | # gambling | # career | # security | # realestate | # interior-design | # homebusiness | # world-news | # gardening | # careers | # apartments | # petcare | # investing | # workout | # divorce | # contractor |
Connect with us:
...