Ways To Repair Your Credit History

There are four ways to fix your credit, and here they are, from (in my opinion) worst to best:

Worst: Credit Repair Services

It's tempting to simply pay a company to "do the work for you," but all credit repair services (that includes law firms) have two dirty little secrets they don't want you to know.


First, because they charge monthly for their service, they make more money--up to $2,000-- if they deliberately drag out the process, which is why they often take two or three years.

Second, you actually wind up doing MORE work than if you did it yourself. In addition to dozens of forms, the credit repair service requires YOU to personally choose which items to dispute, how to dispute them, and you have to constantly send them information that the credit bureaus send you.

Better: Follow Instructions From The Credit Bureaus.

This is like the wolf instructing the sheep. The credit bureaus are NOT your friends. This approach costs nothing, but you get what you pay for. Don't do it.

Better Still: Do-It-Yourself Programs (Typically A Printed Book,

An E-Book, Or An Audio Program).

There are hundreds of these programs available, but they're out of date. If you are very organized and have lots of free time available, the process these books describe will work fairly well. . . eventually.

Best: Credit Repair Software

There are several companies that offer credit repair software (not just an e-book). Although some are rip-offs (clue: unprofessional-looking websites), many credit repair software products combine the best of all worlds: simplicity, low price, and fast results.

Better quality credit software ranges from $97 to $1,000 or more, but there's no reason to spend the higher amounts. Look for satisfaction guarantees and a professional-looking website.

The best credit repair solution for the money is Credit Repair Magic, available at CreditRepairMagic.com. At only $97, it's the fastest and most cost-effective credit repair solution we've ever found. Don't waste your time with useless e-books or ridiculously overpriced monthly services. Download the best credit repair software anywhere.

Check it out for yourself and see if you think it could help you.

First Credit Card Debt Solution

One simple credit card debt solution is to get the interest frozen on your cards - not all companies will necessarily agree, but you won't know till you ASK.

If you genuinely want to get out of debt, try calling the credit card company and explain that you want to pay the card off in full - but that's very difficult (if not impossible) while you are having to pay interest on the card every month. Ask them nicely if they would please freeze the interest. Tell them a fixed amount you will pay them each month to reduce the balance you owe them.


This credit card debt solution achieves 3 important things:

1. Takes some of the pressure off you, and gives you a feeling of relief.
2. Enables you to work out the date you will have completely paid off that card debt.
3. Stops your hard-earned money going straight down the drain (ie in paying high interest rates). You'll get ahead SO much faster once ALL your payments are paying off the BALANCE OWED, rather than the interest.

It's incredibly difficult to get out of debt until you stop paying interest, as I'm sure you are all too well aware.
You spend each month getting deeper into debt as you can't keep up with the ever-growing balance on the card. The stress builds too, and you can't see how it's ever going to get better.

So, give this idea a try and see what reaction you get. Most companies want to get paid, so would rather guarantee they get their money, even though they lose the inetest payments, than risk a customer going bankrupt wouldn't they?

I hope this credit card debt solution helps you.

EASY, FAST CREDIT CARD DEBT SOLTIONS

Welcome to my Credit Card Debt Solutions blog. I hope you find it really useful and interesting, and that it helps YOU get out of debt and into wealth.

You'll not only find credit card debt solutions, but ways to create more money so that you don't get into debt again.

All the best, Jo