Free Credit Repair

[+] How is credit repair possible?
[+] The Fair Credit Reporting Act (FCRA) allows a consumer to challenge the information on his credit report on the basis of "completeness and accuracy". When a consumer files a dispute, the credit bureaus must contact the source of the credit information (the creditor) and confirm that the information is accurate, verifiable, and not obsolete. In some circumstances, the credit bureau is required to go beyond a simple verification of the creditor's own computer record. If, within 30 days, the credit bureau has not received verification from the creditor, then the credit bureau must promptly delete the credit listing.

[+] How much money can credit repair really save me?
[+] Bad credit in auto financing can really hurt, but it is nothing compared to the cost of bad credit when a home is involved. A typical home can cost between $50,000 and $250,000 more in interest if you are buying the home with bad credit.

$100,000 home paid over 30 years:
CREDIT STATUS	RATE	PAYMENT	COST OF BAD CREDIT
Perfect Mildly Damaged Damaged	7% 9% 12%	$655.30 $804.62 $1,028.61	$0.00 $50,155.24 $130,791.63

[+] Why should I clean my credit?
[+] When you apply for a loan, the lenders look at all 3 credit reporting agencies (Experian, Equifax, and Trans Union). The lender then takes an average of the three reports to determine your middle credit score. A higher credit score will give you the benefit of a lower interest rate thus a lower monthly payment!!! A higher credit score will also allow you to qualify for the no money down loans that the banks have made very difficult to obtain lately.

[+] How much is it?
[+] Depending on your credit, we recommend you always start with the do it yourself Free Credit Repair Kit from "Restore my own credit" www.restoremyowncredit.com.  If you don't have the time then look online and find someone to do it on your behalf. 

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