Free Guide On Putting Freeze On Your Credit Files

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Clark Howard is one of the most knowledgeable personal finance authorities around, and his post on his website is a great place to start if you want to know more about putting a freeze on your credit files.

“Credit freezes are one of the most effective ways for consumers to protect themselves against identity theft,” he reports. And, he notes, that goes for anytime… not just after the massive privacy breach on the Equifax database.

Clark advises his listeners to freeze their credit with all three major credit reporting agencies — TransUnion, Experian, and Equifax.

Click here on this link to his website and learn more on how to protect your credit now.

However, we found an article that discusses how even a credit freeze might not protect you from the most commons forms of identity theft after all…. read the article at here

How to write a goodwill letter to remove missed/late payment


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By Steve Johnson, Publisher,

Quite some time back, I wrote an article which delved into the topic of goodwill letters. It remains a big concern to readers. So I thought I’d re-visit that subject to underscore the importance of learning how to write a goodwill letter that very possibly can help you remove derogatory marks lurking in your credit report owing to missed or late payments to creditors.

Goodwill Letters – How a Late Credit Card Payment Can Be Removed With a Goodwill Adjustment Letter

A goodwill letter — or as it is sometimes called, a “goodwill adjustment letter” — is one good, simple solution you can use to make an official, heartfelt request of your creditor to remove a negative listing from your credit report to fix bad credit.

This type of letter differs from a letter to dispute late payments or to dispute billing mistakes. Further, a goodwill letter has a completely different purpose from a credit dispute letter.

A goodwill letter allows you to accept the blame for late payments on credit cards, while appealing to the creditor for financial mercy.

When sending a goodwill letter your goal is to touch on major points like:

  • Letting them know you are sorry for the late payment, and stay away from confrontational, threatening language. You missed the payment. They didn’t.
  • Telling them how much you appreciate their past business, and how you look forward to remaining a long-term customer in the future.
  • Briefly explaining specifics of what happened to cause the late payment: mention your job loss, personal illness, moving to new state and no bank account, you usually pay with online but internet access was down that day due to icy weather, local tornado or flooding cut off roads to post office. Don’t make it up. Just state the facts.
  • Referencing positive steps you’ve now undertaken to prevent such a late payment from happening again in the future. They’ll want to know that this is a one-time request. They don’t want this to be a regular occurrence.
  • Highlighting the fact that you are now current on all your bills, and point out that you caught up on late payment immediately even if it was a true financial hardship to do so.
  • Pleading for help tactfully. Suggest that your late payment NOT be reported to the credit reporting agencies as a gesture of goodwill on their part, owing to the fat that you have been a good customer over the years. Ask them to put yourself in your shoes.
  • Being direct with your request for them forgiving the late fees by having them wiped from your credit report. Negative credit will do little to improve credit scores. Remove late payments and your credit score will climb.

Keep in mind that businesses are in business to keep their customers satisfied. If they can help you, they should. If you have been a good customer, and you are only asking for a one-time goodwill adjustment, most business managers will react favorably because it will be in their own self-interest to help you keep your credit rating in good standing.

In summary, a goodwill adjustment letter could be your very best way to remove a negative listing from your credit report and forge a strong bond with your creditor in the future.

Have an opinion you’d like to share with us? Give us your feedback and thoughts on using a goodwill letter to improve your credit score by emailing us at:

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7 steps to give yourself a credit score facelift


Does your credit report hold you back? Does it contain errors that are keeping you from qualifying for a car loan, or a home equity line of credit, or any other personal loan?

Well, maybe what you need is a credit score facelift!

You have every right to fix errors in your credit report, and you can do it yourself. All you need is the right know-how.

We’ve assembled a free report showing 7 steps you can take to fix errors in your credit report and in the process, improve your FICO score and restore good credit. You can explore these ideas here:  
“Get A Credit Score Facelift”
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How to rebuild and restore good credit rating on your credit reports

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Got bad credit? No problem. Getting good credit needs to be your #1 goal.

Like it or not, your credit rating determines where you will work, how much you will pay for (or even qualify for) a home mortgage or car loan, and even how much your auto insurance premiums might be.

Good credit restoration is the key to maximizing your financial opportunities in the future. At, you will find free credit repair tips and step-by-step advice on how to fix your credit score yourself.

Best of all, you can restore your good credit all by yourself. There is no need to pay anybody to fix your credit score.

You can do it yourself. For free.

Check out this webpage, which can help point you in the right direction to helping you restore good credit.

Click here to visit ‘How to Restore Good Credit For Free By Yourself’

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Dispute credit report errors to improve your credit score

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Your credit report could be costing you money if it contains errors or outdated negative information, because of this simple fact: your report forms the basis of your credit score, and these days, your credit score has become instrumental in presenting lenders, employers and insurers a financial “snapshot” of your creditworthiness.

The good news is this: resolving key derogatory issues in your credit report is within your reach. If you don’t like the current poor condition of your credit rating, you can do most things yourself to spruce up and boost your credit score, legally and relatively quickly. You can fix your own credit.

Here is a free article showing how you can dispute credit report errors that might be lurking in your credit history: “How You Can Dispute Key Derogatory In Credit History, Remove Errors From Your Credit Report”

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Writing a dispute letter to fix bad credit


Although there are new online methods of disputing errors in your credit report by logging into the credit bureau websites, the original old-fashion dispute letter will always have a place in getting better credit.

The free sample dispute letter templates you’ll find elsewhere on this website will help you craft your own letters, and ultimately help you clean up your credit report.

You have the right to review your credit report free, and you have the right to get errors removed so that they don’t lower your credit score.

When writing a dispute letter to fix your credit, remember to always keep copies so you have proof that you’ve written them. Many credit experts recommend faxing the original, then mailing the copy to address of the creditor or credit bureau you are having a dispute with.

Tell the consumer reporting company, in writing, what information you think is inaccurate. Include copies (NOT originals) of documents that support your position.

In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed or corrected.

Click here to get more advice on writing your own credit report dispute letters.

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Can what’s in your credit report keep you from landing the job of your dreams?

Landing that new job is hard enough. But employers are increasingly checking into your financial background and checking your credit score to get a fuller picture of you.

Applying for a job? It’s very likely your potential employer will want to check your credit.

More employers than ever are checking job applicants’ credit history. Sixty percent of employers now check applicants’ credit reports

It pays to be in control of every variable you can, from picking the right suit and honing your interview skills … and now, to making sure you know what’s on your credit report before a potential employer looks at it.

Click here to read how an employer credit check could affect your career.

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Beware of the biggest lies told by collection agents

Collection agencies exist to collect money. They don’t care about your personal circumstances, they just want to get your money… even if you don’t owe what they say you do! In the process, the employees of some bill collectors have been known to stretch the truth to achieve their objective: get your money at any cost.

Check out this article: “The 7 Biggest Lies Told By Bill Collectors” by Richard Cooper, and be aware of how bill collectors operate to protect yourself.

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How to deal with collection agency harassment

You can protect your rights when you receive harassing telephone calls from an abusive collection agency.

You have every right to put a stop to harassing bill collectors in their tracks. But first, you must learn how to fight back when collection agencies step over the line.

If you feel like you’ve been taken advantage of, then we have some valuable information that can help you.

Laws on what a collection agency can or cannot do when they contact you vary by state law.

But That doesn’t matter. Because, across the nation, the Federal Government enforces consumer laws of how collection agencies must operate. These laws are designed to protect you.

Click here for detailed info on how to deal with harassment from collection agencies, so you can protect yourself from this type of behavior.

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