Our Commitment To Help with Credit Repair and/or Debt Consolidation

"You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law."

AnnualCreditReport.com is the ONLY authorized source for the free annual credit report that's yours by law. The Fair Credit Reporting Act guarantees you access to your credit report for free from each of the three nationwide credit reporting companies — Experian, Equifax, and TransUnion — every 12 months. The Federal Trade Commission has received complaints from consumers who thought they were ordering their free annual credit report, and yet couldn't get it without paying fees or buying other services. TV ads, email offers, or online search results may tout "free" credit reports, but there is only one authorized source for a truly free credit report.

We sell no services but would like to help you find real answers and solid solutions. Let's face it, as we've learned, their are way to many sharks in our economic waters. Learn what a FICO score is and make a plan.

We are not selling anything but would like to help heal your personal economy. Call or email as we will try and help to point you in the right direction. More about Santa Rosa Credit Restoration

Many people are a little confused when they hear the term credit repair, and are not sure exactly what it means. The credit system in the United States can be quite confusing! In layman’s terms, credit repair is when an individual takes a pro-active stance when it comes to the information that is listed on his or her credit report. It involves obtaining copies of the credit report several times a year and carefully studying the information in the report to make sure it is all correct. If the individual sees information on the credit report that is wrong, then they take steps to either dispute the information with the credit agency or request that the credit agency correct the information.

Credit repair is used to make your credit report as perfect and as up to date as it could possibly be.  It is particularly useful for anyone who has filed for bankruptcy and wants to start the task of rebuilding their credit.  There are credit repair services available that will help people who want to repair their credit to get a fresh start.  These services eliminate the need to hire an attorney or a credit counseling service and have to pay out the nose for this kind of assistance.  You can use a credit repair service for much less money and, following their directions, do much of the work to repair your credit yourself.

Hiring an attorney to help you get your credit in order can be pretty expensive, and a credit restoration counseling service is right behind them on the fee scale.  Not only do they require a hefty fee, but most of them also ask for a start up fee as well! You can save yourself a nice chunk of change by bypassing their services and instead learning the tricks of the trade for yourself. It is not difficult to learn how to do this.  All it takes is some time for learning the basics.  There are several forums on the Internet that are absolutely free to join where you can pick up lots of vital information that you will need in order to be successful at credit repair.

Some of these sites will let you ask questions and get answers from various people who frequent the forum.  It’s always a good idea to get the opinions of other people who may have “Been there and done that” so that you will know if you are on the right track.

You can learn credit repair, clear your credit report of any errors, and be well on your way to having good credit before you know it!
Know Your Consumer Credit Rights

What is Debt Consolidation?

Debt Consolidation is the concept of consolidating your unsecured debt into one monthly payment.  Many creditors, realizing that their principle may be at risk due to a debtor being over-extended, may offer interest rate reduction programs contingent upon a debtor enrolling into a Credit Counseling program and closing their accounts.  Credit and Debt Counseling programs offer a variety of budget planning sessions and educational programs to help better understand the risks of housing unsecured debt.  They can teach financial disciplines one can engage to prevent getting stuck in the debt trap ever again.

What is a FICO score?

A FICO score is a credit score developed by Fair Isaac & Co. Credit scoring is a method of determining the likelihood that credit users will pay their bills.

Fair, Isaac began its pioneering work with credit scoring in the late 1950s and, since then, scoring has become widely accepted by lenders as a reliable means of credit evaluation.

A credit score attempts to condense a borrowers credit history into a single number. Fair, Isaac & Co. and the credit bureaus do not reveal how these scores are computed. The Federal Trade Commission has ruled this to be acceptable.

Credit scores are calculated by using scoring models and mathematical tables that assign points for different pieces of information which best predict future credit performance.

Developing these models involves studying how thousands, even millions, of people have used credit. Score-model developers find predictive factors in the data that have proven to indicate future credit performance.

Models can be developed from different sources of data. Credit-bureau models are developed from information in consumer credit-bureau reports.

Credit scores analyze a borrower's credit history considering numerous factors such as:

• Late payments
• The amount of time credit has been established
• The amount of credit used versus the amount of credit available
• Length of time at present residence
• Employment history
• Negative credit information such as bankruptcies, charge-offs, collections, etc.

There are really three FICO scores computed by data provided by each of the three bureaus––Experian, Trans Union and Equifax. Some lenders use one of these three scores, while other lenders may use the middle score.

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