Debt Free Resources

can you tell me of a good credit repair agency. the must be 100%?

I need to strengthen out my credit history, late payments, and closed accounts

They don’t exist.

I quote from the 2008 edition of the Consumer Action Handbook ” If the information is correct only time, hard work and a debt repayment plan will improve your credit report. Credit repair companies advertise that they can erase bad credit for a hefty fee. Don’t believe it.”

Under the Credit Repair Organizations Act, credit repair companies can’t require you to pay until they have completed promised services. They must also give you:

1. A copy of the “Consumer Credit File Rights Under State and Federal Law” before you sign a contract.

2. A written contract that spells out your rights and obligations.

3. Three days to cancel without paying any fee’s.

Your Credit Score, Your Money & What’s at Stake (Updated Edition): How to Improve the 3-Digit Number that Shapes Your Financial Future $9.98 “A great credit score can help you finish rich! Liz Pulliam Weston gives solid, easy-to-understand advice about how to improve your credit fast. Read this book and prosper.” David Bach, bestselling author of The Automatic Millionaire and The Automatic Millionaire Homeowner “Excellent book! Insightful, well written, and surprisingly interesting. Liz Pulliam Weston has done an…

Your Credit Score: How to Fix, Improve, and Protect the 3-Digit Number that Shapes Your Financial Future, 2nd Edition $0.01 “A great credit score can help you finish rich! Liz Pulliam Weston gives solid, easy-to-understand advice about how to improve your credit fast. Read this book and prosper.” –David Bach, bestselling author of The Automatic Millionaire and The Automatic Millionaire Homeowner “Excellent book! Insightful, well written, and surprisingly interesting. Liz Pulliam Weston…

How to Rebuild Your Credit After Bankruptcy $6.97 “… very good advice on what steps I needed to take to repair my credit … I increased my credit score … highly recommended!”Emma Garcia”It’s a book that will show you exactly what you can do to fix your credit ….”N. PrefacBankruptcy is often a “double edged sword” for consumers. It gives tremendous relief from the pressures of debt. But, it wreaks havoc on your credit score.No, bankruptcy w…