Tuesday, March 24, 2009

Tips On Fixing Bad Credit

Fixing bad credit requires some time and research on your part and a plan you can stick to. Fixing bad credit is not as difficult as you might initially think. The following will help you bump up your credit score so you can get the new car or the new home you deserve.
1. Know your credit report.

It is important to peek into your credit report and find what it says about you. A new law in the US allows you the right to get one free credit report each year. Read the report to learn first hand what needs to be fixed. Infact you can request one free report from each of the three major bureaus.

2. Initial steps to fixing bad credit.

Learn why lenders consider you a risky candidate. I have outlined the most common ones.

Errors jumping out at you on your credit report.

These are the easiest of bad credit problems to be fixed. If you find any information which is not true like a payment showing missed when you made it or charges you never took, write as soon as possible to the reporting bureau for correction. Fix every single item that is erroneous in the report.

Missed/Late payments.

If any of the payments were made due to circumstances beyond your control and since then you have regularly been making payments, bring it to the immediate notice of the credit bureau. They will amend your credit file to reflect the changes.

High debt/credit ratio.

If you think you have maxed out of any of your credit cards, make it a priority to pay down and get to manageable levels as soon as possible.

3. Maintain your new earned credit once you fix bad credit.

Once you set the ball rolling on fixing, it is very important to maintain it. Make your payments without falling back on any of them. At times, communication is the key. Communicate, so your creditors are aware about your position and the attempts you have been making to pay off your debt.

- Visit our Website Click Here
- Go directly to our Debt Resolution link Click Here
- Go directly to our Credit Counseling link Click Here

Thursday, March 12, 2009

Some Quick Tips

Ways to manage your credit


. Prepare an effective budget plan: Your first step towards managing your credit should be preparing an effective budget plan. A budget plan can help you to be updated about your expenses and incomes. It can help you decide where you have to start and end.
. Debt Consolidation: If you are trapped under the burden of severe debt then debt consolidation would probably be one of the best options to become debt free. Debt consolidation is nothing but merging of all your debts you owe to your creditors into one single payment method. Debt consolidation can help you reduce the interest rate on your total payment than what you were actually paying.
. Check Credit report: Though credit score is just a three digit number but it has great importance in today business world. Credit report directly reflects the credit worthiness of a person. This makes it very much important that you have a regular check of your credit report. A credit report can contain some errors and flaws which need to be rectified immediately. A small error in your credit report can affect your credit score greatly and thereby reduce your chances of getting a loan.
. Credit counseling: If you are unable to create an effective budget plan, having problems consolidating your debts or improvising your credit score then you can consider contacting a reputable credit counseling agency. A reputable agency can help you create an effective budget plan, consolidate your debt and help you manage your credit effectively.
- Visit our Website Click Here
- Go directly to our Debt Resolution link Click Here
- Go directly to our Credit Counseling link Click Here

Saturday, March 7, 2009

How to control creditors

How to control creditors
By: Chris Chisholm
Presented By: Capital Pro Solutions

Are you $25,000.00 or more in unsecured debt and don’t know what to do about it? Can you only afford to make minimum payments on your credit cards? Is your mortgage is a month behind, and your spouse just got laid off from the job? Let’s face it. You have a serious problem. You didn’t get into this situation overnight and there is not a magic wand that will make your debt “go away” overnight. However, you have legal options that will give you some breathing room and distance from the collection calls and letters that will surely come.

“…My wife was in a car accident and has not been able to go back to work. All of a sudden there is only one income when there used to be two. We started using credit cards for necessities. We didn't know what else to do. This isn’t frivolous spending. You just buy groceries with the credit card, you get gas, and you basically do what you have to do to survive.”
Roger S Sacramento, CA

Does that sound familiar? It is only one of the thousands of real life stories coming from the trenches of debt ravaged North America. There are millions of us out here living in credit card houses. We owe billions of dollars in credit card and other unsecured debt to the banks and credit card companies who are raking in the profits at our expense.

Last year alone the credit card industry took in $43 billion just in credit card fees. American families like yours and mine are struggling in an increasingly volatile economy. Our world is defined by job instability and continued layoffs under the guise of "downsizing". At the same time we’re waking up to realize that if we make the minimum payment of 4% on $25,000 credit card debt at 18% interest it will take 15 years and two months to pay it off. You will pay $13,900 in interest for a total payout of $38,900. Can you really ever get out of debt like this?

Your objective is to resolve your debt problems. Get our from under them. If it were an easy task, aside from writing a huge check to pay it off, then you would not need this program. Our methods have been tried and proven successful – but only if they are applied. Your time and effort expended will be worth it to you. Do not give up on yourself.
Stay in touch for more information - Comming soon.....

Get Help Now!!!
- Visit our Website Click Here
- Go directly to our Debt Resolution link Click Here
- Go directly to our Credit Counseling link Click Here
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Tuesday, February 24, 2009

Welcome To Capital Pro Solutions Blog

For those of you who don’t know us, we are an organization dedicated to helping consumers realize their financial freedom. We help people who, for whatever reason, have found themselves in financial straits. This, for most of us, is an uncomfortable subject to discuss but has become an everyday concern for all Americans.

Capital Pro Solutions have helped thousands of consumers find the solution to their stress dealing with their finance challenges. We have programs which not only relieves you of the payment burdens but works with your creditors to negotiate a settlement frequently as low as 10 cents on the dollar!

Capital Pro Solutions has an answer that you don’t have to wait for, unlike the all too familiar stimulus programs. It is one that is that is immediate and substantial. Join the ever growing community of people who have joined our Shielded Circle of protection and make a decision to free yourself and your family from the grips of unsecured debt payments.

Please stay in touch as we will be posting information that will educate you as well as help you overcome and manage your debt responsibly

Get Help Now!!!
- Visit our Website Click Here
- Go directly to our Debt Resolution link Click Here
- Go directly to our Credit Counseling link Click Here

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