Airline Miles Credit Cards

By Gray Rollins

Most people are familiar with the term frequent flier. This can be used in different aspects but perhaps one of the best ways it has been used it with airline miles for credit cards. This is a great way for people who do a great deal of traveling to earn free airline tickets. Many people like the credit cards that give back rewards but you have to be sure to get one that works for the things that you do or things that you like. If you are someone who travels a great deal then this can be the credit card for you.

If you are considering a credit card such as a frequent flier card then you will want to be sure to know the answers to 2 questions so that you will be sure that you are getting the right card for you needs. The first would be, what airlines the miles redeemable are at and the second would be which one will earn you miles the quickest so that you do not have to wait a long period of time to redeem them.

Another thing you should find out is whether there is a hub for their airlines in the area where you stay. This will make it easy to reach the airport that your card qualifies for. If this requirement is also met, you will be able to use the miles without any inconvenience so you will be able to use it more frequently. This will not only make your traveling easy and efficient, but it will also make it more economical.

Just make sure that you know all the offers that your card provides to redeem your points or miles. You have to carefully plan how to avail your free travel without any problems. It is always better to go for an airlines miles credit card of a reputed airline as then you can afford to be a little relaxed too. To live up to their reputation, these airlines will make sure that the customers get maximum benefits from their cards.

There are lots of businessmen who are already using these kinds of credit cards. Because of their jobs, they keep traveling a lot and this enables them to complete the required miles very quickly. Thus they earn many free trips all through the year. If you belong to this category, you make sure that the card you get should be affiliated with the airlines that you generally use for traveling.

One of the most popular types of rewards cards that are used frequently today is the Delta Skymiles Card. People really love this card, as Delta Airline is located all over so you can be sure to find a hub that is close to you. When you first join, you automatically get 1,000 bonus miles when you make your first purchase. You will also get 1,000 bonus miles each year if your purchases total at least $5,000.

For this card you don't have to pay any annual fee. This makes it a very popular card and it also lets you earn 1 mile for every eligible $1 you spend with the card. You can also earn 1 mile for every $2 that you will spend on any other purchases. Now you can understand what makes this card one of the most preferred card available these days.

An airline miles card is the perfect card for you if you are a frequent flier and you want a rewards credit card that allows you to get maximum benefits. Make sure that you go for the right card to avail all the benefits. Also remember to use it whenever you plan a trip so that you can rack up the free miles.

About the Author:

If you are a frequent flyer, then the Delta Sky Miles card from AMEX will like serve you well. There are no black out dates and no seat restrictions. Visit us at BestSkyMiles.com and we'll expedite your applications and get you a decision in less than 60 seconds.

New Reverse Mortge Law Raises Lending Limits - Huge Difference

By Tiog Stausenberg

George Bush signed the Housing and Economic Recovery Act on July 30. It officially went into effect on October 1st. For seniors 62 and over the law officially raised the national reverse mortgage lending limit to four-hundred-seventeen thousand dollars.

The former limit for most parts of the country was $200,160. As of November 6, 2008 reverse mortgage lenders began funding reverse mortgages with the new lending limits.

Those helped most by the new law are those with homes valued over the former lending limits. Banks will loan these homeowners up to twice the amount as before the law's enactment. Even better, lender fees are reduced as a percentage of the home.

The reverse mortgage lending limit increase has come at exactly the right time for homeowner and commercial flooring company owner Wilma Johnson. Mrs. Johnson's flooring business is one of the casualties of a bad economy. Since the beginning of 2008 flooring jobs have trailed off to next to nil, and Mrs. Johnson must concern herself more and more with simple things like paying day to day bills. Her mortgage payment alone eats into her dwindling savings at a rate of $1,450 per month.

There is no telling when Mrs Johnson's flooring business will return to pre-2008 levels. It is a big unknown? Based upon this she opted to move forward with a reverse mortgage that completely eliminated her monthly mortgage payment. She still has a mortgage but the monthly burden is gone.

Many myths surround the reverse mortgage. One such myth is that in order to get a reverse mortgage the borrower must own their home free and clear.

The facts paint a different picture. Even before the new law came into effect most reverse mortgage customers were getting reverse mortgages to pay off an existing mortgage. In effect the reduction in mortgage payment is a net increase in income.

With the new lending limits in place many senior borrowers will realize a dramatic increase in their monthly income. Technically speaking they won't see income increasing, rather the giant expense of the mortgage payment will be eliminated. The borrower sees that as a net increase in disposable income to be used for other important life reasons.

About the Author:

For solid answers regarding the reverse mortgage (I know it says Texas but the principles work everywhere), go to Free Downloadable Texas Reverse Mortgage Guide. Another excellent resource is Knowledge Bank for the Texas Reverse Mortgage.

Cash In On Bailouts With Mini-Dow Trading

By Doug West

President Bush has been on the TV a lot lately. Too late for him to go down in history as a good president, but we will give him credit for trying. The Pres. has assured us all that we can grow our economy by spending more money. He even sent us each a few hundred to help us do that. One has to wonder if that was a set up for what was to come.

Next came the BIG bailouts for the banks and boys on Wall Street. Hey, where do we apply for some of that 700 Billion dollar pie? Well, don't hold your breath on that one (in a moment we will show you how to cash in on the bail out actions with simple mini-dow index trading)!

Let's see, if you are already in debt up to your ears - like the US government is, how is sending out free money going to stimulate the economy? And, how is that going to help the US government?

OH, don't forget our friends over at the FED. The Reserve! The agency that is owned by the bankers. That masquerades around like they are part of the government. What many folks still don't know is that they all pulled a fast one on us by sticking that word Federal in front of their name. The same thing the guy at Federal Express did when starting his company.

Frederick W. Smith founded FedEx. I clearly remember years ago when he was on 60 Minutes, he said that by the time folks figured out that he was not part of the government his company was already well on it's way to success! Can't blame his reasoning? What a PLAN! IT WORKED for the FED why not FedEx too?

Let's quote right from the FedEx web site:

"Federal Express was so-named due to the patriotic meaning associated with the word "Federal," which suggested an interest in nationwide economic activity. At that time, Smith hoped to obtain a contract with the Federal Reserve Bank and, although the proposal was denied, he believed the name was a particularly good one for attracting public attention and maintaining name recognition."

I'm sure Smith did want a relationship with the Federal Reserve - who wouldn't! These guys have the legalized right to print money! Think about it. It does not matter if it is a $1 bill or a $100 bill, it cost them about the same to make it (a few cents each). Then they "LOAN" that money at full face value to the US government. Full face value PLUS INTEREST! So now you know where the national debt comes from. We now owe that money - Plus Interest - to the FED. A private corporation controlled by international bankers.

So if you are thinking that Bush's plan to grow the economy by handing out $100 bills won't cost anything - Think Again! Where is that money going to come from? That's right - the good ol boys at the FED. These mystical folks seem to be able to pull money out of thin air! Just think, with today's high-tech world, the FED can just punch a button on a computer somewhere and release new funds to the world. Most of which never represents new bills being printed, but just credit in some bank or financial institutions account. Electronic numbers moving through nanoseconds of time and space.

Not only does the FED create money, they also have the ability to set their own interest rate!

- The Fed's Open Market Committee (FOMC), announces their interest rate decisions. This is NOT the interest rate that you and I can get money for, (why don't we all meet at the Fed Discount Window - wherever that is) but what the BIG boys who keep the whole world flowing receive. They in turn pump up the volume and pass the savings on to you and me right - WRONG! It could take weeks or even MONTHS after a cut to see any savings at the consumer level. So why do the markets get so active after an FOMC announcement?

The BIG boys are the ones who really move the market right (and they CAN line up at the FED window for a bailout). We just want a small slice of it. That's all. Remember that when you are trading (or practicing the FED move trade -after an FOMC announcement).

So how do you cash in on the bailouts without getting a slice of the pie? Index trading! With all these bailout moves, the FED buying stock and giving away billions of dollars, it has caused some GREAT moves in the market. Not so good for stock traders, but Wonderful for those of us that just trade and follow the overall index.

No matter what happens, we can all do well with Simple Mini-Dow Index Trading. I look for GREAT times ahead for Index traders. We might have to pay more for the things we need, (because of the FED printing out bailout money like candy these days) but at least we can stay home and earn the money to get them!

Remember those FOMC announcements mentioned earlier? Many times after an announcement, the market moves and moves BIG. Much like the market moves we have all been seeing here lately with the bailout manipulation of the markets. The FED won't give you a partnership deal like FedEx was looking for, but you can capitalize on their dealings.

Just follow an index and stay away from stock!

About the Author:

Mini-Dow Index Trading Made Simple. Discover how to build your trading income. Get Doug's Debt-Free Report. Read his blog here.

The Bad Credit Special Loans.

By Denzel Abintenk

Many of the citizens are able to take delivery of bad credit loans after filing the bankruptcy, often almost immediately as thirty days time period next the release of the bankruptcy. a lot of companies have set up a high quality marketplace presenting these loans, knowing a person cannot declare bankruptcy for a at least of seven years following the bankruptcy release. This opens a novel market for a number of lenders will to take a likelihood of citizens with a bad credit score meaningful they have legal alternative to recoup the quantity of the loan.

Even though the majority customary lenders just will not grant bad credit personal loans after bankruptcy there are many lenders that come to blows over the market. Even by means of the counseling supplies of bankruptcy on monetary organization and liability, at present is no law that require those declare the bankruptcy to go after any suggestion made for the duration of the counseling. Follow the discharge of the bankruptcy, persons are free to search for bad credit personal loans after bankruptcy at whatever time they choose.

even though bankruptcy records are released to the public, and their accessibility is often seen as an uncomfortable punishment for ignore past accountability, the accessibility of the bad credit individual loans after the bankruptcy has a lot of taking that road to get out from beneath a serious debt load. still with the novel laws there are those who carry on to pile on debt and file for bankruptcy each seven years or as almost immediately as the law permits.

There Are No Laws to Govern For People Who Apply For the Bad Credit Loans

at the same time as a lot of laws exist over who can present bad credit personal loans after bankruptcy and the interest rates charge for them, there is no laws leading who can apply for them. yet a person who has manifold bankruptcies in their earlier period are free to seek financial help where on earth they can find it. in spite of the considerably higher cost of bad credit personal loans subsequent to bankruptcy citizens often flock to the lender presenting such loans.

a small number of, if any of the lenders presenting the bad credit personal loans after bankruptcy have need of any type of guarantee for the money, still meaningful there is a good chance the loan will go into non-payment, the alternative obtainable, counting wage garnishment, make them a money-making business. When a human being default on bad credit personal loans after bankruptcy a court-ordered reimbursement is characteristically approved for the amount of the loan and whichever expenses linked with collect the loan.

over and over again the cost of collection approach the sum of the initial loan along with courts costs, like the attorney fees and collection agency fees, all charged to the delinquent the creditor. This add even more to the charge of obtain bad credit personal loans after bankruptcy is filed.

About the Author:

Denzel Abintenk often pens publications on information relating to consolidate debt amongst a personal loan and loan to consolidate debt. On his site you can discover his articles on consolidate debt within a personal loan and personal loans to consolidate debt.

How Personal Finance Software Can Make Money Magic

By Jenni Snook

Without personal finance software, do you seem to think that your money disappears just like a magic trick? Does the statement from your credit card company leave you wondering how and when you spent so much money continually? What about the last time you took money out of the ATM, has that money already disappeared? Keeping your personal finances under tight control may be difficult for you especially if you find yourself in one of the above situations or have a tight budget.

Each and every time that you turn around, you will discover yet another bill that has to be paid, and then before you know it, your whole entire paycheck has been paid out in bills and maybe a little extra as well. Living from paycheck to paycheck is certainly not an ideal way to live your life as this would mean struggling to meet your financial obligations. You may even resort to credit, which could potentially cause more problems.

You have probably asked yourself on various occasions, "How did I end up in such a situation?" In the event that you are beginning to find it increasingly difficult to handle all of the financial aspects of your life, you aren't alone. The fact of the matter is that nowadays the average citizen has 1 main income stream which then has to be distributed to another 30 different sources.

There is a logical explanation as to why money seems to disappear ever so quickly. Just look at the amount of payments we make on a regular basis: you've got health insurance, credit cards and mortgage repayments just to name a couple. However, what would you think if there was a way that you could reduce the invisibility of your monthly spending, a way that you could budget yourself within a pain-free, simple manner and achieving that so-called state of financial freedom once and for all? Fortunately, there does exist such a way, and I'm sure you will be pleased to hear it.

You may not be aware but there exists a fantastic piece of personal finance software called Family Finance Planner. For those people that are not too familiar with Family Finance Planner, it is a free budgeting program for families available online on many websites.

It's a program that's quickly increasing in popularity and the best thing is that it could solve a lot of your financial problems. It's fairly easy to use and you would be foolish not to give this piece of personal finance software a chance.

About the Author:

Jenni Snook is the main reporter of http://www.HealthyWealthySoul.com, a website focused on providing people advice and resources on personal finance software to achieve both financial and spiritual bliss in their lives.

Platinum Credit Cards Accepted Worldwide

By Gray Rollins

Platinum credit cards have greater supremacy when it comes to credit cards' benefits and privileges, much better than the Gold or Standard credit cards. The applicant for this card should have excessive figures of income to be qualified. Aside from the benefits and great opportunities, the status associated with Platinum credit cards is another reason why people prefer this card.

Among the platinum credit cards in the circulation, the American Express Platinum card is simply the best card of all with worldwide acceptance. It offers the greatest benefits a credit card can serve. If your credit score or credit history is good enough, you can even reach the credit limit of up to $100,000. This card may seem to be high in value, but you will eventually earn in return this value because, as long as you maintain a good credit score, you can earn 1.5 reward points for each of your purchases.

MasterCard Platinum credit card is another card that is accepted worldwide and offers reasonable interest rates for purchases. The MasterCard credit card company only requires prompt payments to maintain the reasonable percentage rate.

The platinum Master Card is for those with higher incomes but if you only pay the minimum on your outstanding balance your interest rates can go up by as much as 35%. When choosing this type of credit card the best way to save the interest and fees is by paying off the balance each month.

The Discover More Platinum credit card is another card that offers convenience through its high spending limits, zero annual fees, attractive introductory APR for purchases and balance transfers for 12 months, and some more rebates on purchases and cash back bonuses. Credit history and details can be accessed through online account access.

Platinum credit card features wider range of benefits and opportunities than the silver or gold credit cards. It extends additional services such as concierge services, travel services, and purchases on high class establishments. Once you met the qualifications of being a high earning individual with high credit score, you can avail this Platinum credit card and experience its benefits and privileges.

Platinum credit cards can also give service to business establishments. With so many options to do using the card, you can utilize the budget of the business and save part of the capital as you avail the installment plans. By using the platinum credit cards for your business purchases, it can also enjoy the benefits associated in the card. Aside from the rewards, bonuses, and other privileges, you can also generate savings of up to 25% on purchases made from companies affiliated with your credit card companies.

Platinum shopping card is also a form of credit card. Unlike the regular credit card which can be used for dining, travel, or other services, platinum shopping card is only intended for purchases of merchandise or just for shopping purposes. The credit transactions are still reported to the credit bureau for the credit score, so be sure to make prompt payments and take care of your credit history.

About the Author:

Not all Platinum Cards are created equal. In fact, some are just downright lowsy. Get the best Platinum Card available by applying for the American Express Platinum Card today and you'll receive 25,000 points as a special one time bonus.

How To Negotiate With Debt Collectors

By John Cooper

It can be very frustrating when you are being contacted by debt collectors. This can cause you to change your number, move or more.

This frustration will quickly be multiplied if the debt is not a valid debt. It is not uncommon for a lender mistake to cause your account to go to collections. Unfortunately explaining this situation to someone that has already paid money for your debt is not a recipe for success.

If you find yourself in this position you should request validation of the debt. This is done by writing a letter to the debt collector and requesting validation. I suggest you do this by certified mail so you have documentation that they received your letter.

Do not request validation over the phone because it is often ignored. In addition you only have 30 days to request validation of a debt once you are notified.

Furthermore it is becoming more and more common for debt collectors to just sell your account to another collection agency if you request validation. This will result in you getting calls from another debt collector.

Instead I suggest you hire a credit service to dispute the negative credit items that the debt collectors have posted on your credit report. This way you will prevent your score from being damaged due to a lender mistake.

However if the debt is valid then you should settle it. You should offer a settlement of 50% of the account balance.

This is because the collector has purchased your debt for a fraction of the balance. In addition even if the collector does not accept that offer, they will see that you are willing to pay this and will be willing to negotiate a price.

You will need to have the collector agree in writing that they will remove the negative item from your report in exchange for your payment. If this is not done then the item will change to a paid collection and it will still be seen as a negative mark on your credit by future lenders.

In sum I suggest you hire a credit repair service to repair your credit from debt collectors.

About the Author:

For a review of Lexington Law a suggested credit repair service visit us, or to see an article about credit repair letters.

Wondering What Day Trading Is? Here's How To Get Started

By Sam Lockwood

Day trading is one of the many possible ways to profit by buying and selling stocks. It uses the volatile nature of the market in a single day. Since the current market is seeing some of the widest daily swings since the late 1990s, it's a great market for day traders!

Day trading can use short selling to profit from stocks even if indicators say that the prices are dropping in the near future. In every case, day traders will be working through brokers, and they'll have to watch two major indicators. These indicators are the TDISC and the NDIX. At the beginning of a given trading day, these indicators will tell you a lot about what's going on in several exchanges. They're sensitive to volatile markets. When markets are going down, the TDISC drops by more than two thousand ticks in a very short time. When markets are rising, the NDIX increases by the same in under a half hour of opening.

The rapid fluctuations that can happen over the course of a single day are what day traders use to make their money. They have to buy and sell quickly. That's why day trading is both a great way to make a big profit and a fast way to lose it all. You're never buying for the long term, so it can be tempting to buy lots and skip researching. You might get lucky trying this, but most of the time it doesn't work.

Day trading really is a job, rather than a passive income source. If you're thinking about starting it, you need to have the right training. This could come through an online course or a seminar. No matter how you learn about day trading, you need to be able to get into it with your eyes open.

One thing you'll need is a brokerage account, since one of the most important things in day trading is being able to short sell. Short selling is when you borrow stock from your broker and sell it right away, planning to buy another share at a lower price to give back when it comes due. You profit if the stock prices drop. If you time things correctly and read the market correctly, this works out well for you.

The opposite of short selling is buying or borrowing a share of stock at one price and selling it the same day for a higher price.

Day trading means you're going to need good observational skills and incredible nerves. You also have to be willing to have a short memory. That's so that you can stare losses in the face without stressing out or going into a panic.

It is definitely possible to do day trading from home if you use the right programs and have the right tutorials. You'll need to be sure that you have a plan for executing your trades, and that you do them before the last half hour of the trading day for the market.

About the Author:

There's lots of Day Trading Tips out there so it's easy to start educating yourself about this exciting way to earn an income. Click Here to read about a trading system that makes many people a healthy income.

Credit Repair - fast credit repair

By Daniel Fox

The majority of Americans have errors and other unverifiable information on their credit reports that could be dragging down their credit score. Odds are good that your credit score is lower than it should be. The unfortunate thing is that odds are you will be yet another one of the millions of Americans who will continue to suffer with an unfair credit score because you will do nothing to repair your credit.

More likely, the reason people do not repair their credit is a mix of apathy and lack of understanding of the credit reporting system. Too many people assume the credit reporting system is some official government bureaucracy with an extensive system of checks and balances designed to ensure the safekeeping of their credit history. This couldn't be further from the truth.

The credit bureaus at the center of the credit reporting system are not official organizations. So now you are asking yourself, how do they ensure this information is correct? If a creditor reports something that is wrong, how do the credit bureaus make sure it doesn't end up on your credit reports? The answer to both of these questions is: they don't. Your creditors report information, the credit bureaus record it, and for most people, the story ends there. Instead, they are massive, for-profit corporations that collect personal information from your creditors and make money by selling this information in the form of your credit reports.

Nobody at the credit bureaus or in the government is going to make sure your credit reports are accurate. The way the credit reporting system is set up, there is only one person who will ever bother to check up on your credit reports - and that person is you. You are the missing, and ultimately the most important, piece of the credit reporting puzzle.

Making sure your credit score is where it should be is your responsibility and repairing your credit reports is a task you will have to initiate because no one out there will do it for you. It is your right and your responsibility to dispute the questionable negative items in your credit reports and the sooner you start, the better. You can work to repair your credit on your own or you can enlist the help of a credit repair law firm like Lexington Law.

Nobody at the credit bureaus or in the government is going to make sure your credit reports are accurate. The way the credit reporting system is set up, there is only one person who will ever bother to check up on your credit reports - and that person is you. You are the missing, and ultimately the most important, piece of the credit reporting puzzle.

About the Author:

More information on credit repair company Articles ? free credit repair- You can visit: Debt-Consolidation

How Real Estate investors can deal with bad credit reports

By Doc Schmyz

In today's world our credit score is everything. Creditors and bankers approve or disapprove loans based on your credit worthiness. In some cases it also will determine your credibility to certain employers or landlords.

A good credit rating allows you to be able to apply for loans and/or credit cards easily. And, ultimately, isn't that the goal? It will also mean that you will have more chances of getting certain jobs. You will be able to pay your bills on time.

Having bad credit can reduce the opportunities of things. You may get approved for a loan or for a credit card but with a higher interest rate. You are considered a "at risk" customer because the creditors are not sure if you will pay your bills. If you are trying to apply for an apartment complex the landlords may take a look at your credit score to determine if you will be able to pay your rent. Not to mention that most look at the report and will use it to form an opinion about you character.

These are just some of the reasons as to why having a good credit score is important in today's world. However, what do you do if you happen to have a bad credit score? If you have bad credit it is important to fix the problem as soon as you can.

First, you must stop your bad credit before it gets worse. So how do you do this? You pay your previous overdue debts as soon as possible. This works on establishing a new payment trail...this means the creditors will see over several months that you have made an effort.

Next, you can raise your credit score by opening a new savings or checking account. You should also apply for a secured credit card. This secured card will have a lower limit and a higher interest rate however,by paying the monthly credit card bills on time you will be able to see a significant rise in your credit history report.

Follow these steps you will eventually start to see a good credit rating. However, your past credit history will remain on the "books". This does not expire for 5 to 7 years. You must remember that it does take time to raise your credit rating. You must be patient and diligent to see a change. It is far easier to destroy your credit then to repair it.

That is why it is very important to make positive reports for your creditors. They then will pass those on to credit reporting agencies. Remember to pay your loans and credit cards on time in order to get a good credit rating. By doing so you will eventually end up with a good credit score and history. Never miss out on a future financial opportunity when they come your way.

About the Author:

Doc Schmyz has worked with investors all over the US. He built a free free website shares Real estate investing information for all over the US. Find Real estate investing information by state

Deflationary Times - Cool Personal Checks

By Karen Chop

Cool checks into the economic situation is the barometer of inflationary vs. deflationary. Consumers are often confused about the times they are living in and make poor economic choices.

If the pervasive economic condition is deflationary, goods and services become less expensive. The worth of the dollar increases. Many cannot grasp that relationship.

With deflation, almost everything goes down. Safety and protection is important and if you have all you money in antiques, real estate or hard assets or commodities the accounting of these goods decreases.

There is only one exception; the U.S. dollar goes up by definition. The opposite is true. When the cost of goods and services goes up the accounting of the dollar shrinks.

When the price of the buck increases, it also increases against foreign currencies. The dollar buys more.

Everything is costing less. The state of value of a particular currency has nothing to do with how their economy is doing. The value of a currency is base on how it compares with other currencies. You can't evaluate a currency in isolation.

If you see your buck buying more, it means the value of the dollar is increasing. The buck increases against foreign currencies as a market basket of value and it also buys more goods and services as a whole abroad.

The coolest, cool personal checks for the safest place to have you money in deflationary times in Treasury bills. The least ugly investment worldwide is U.S. currency.

About the Author:

Great looking, cool checks are found at ElegantChecks.com There you'll find the strongest selection of categories and a amazing playground of bank check motifs. Not only that, you'll find coupons that further discount your purchase that give you cool personal checks an added bonus!

How To Dispute Experian

By Justin Hutto

To file a dispute with Experian credit bureau you must write a dispute letter. When they receive your dispute letter they will investigate the disputed listing.

The first step though is to get a copy of your credit report. You can get a free credit report once a year from each credit bureau. I suggest you go to annual credit report, they will provide you with your free copy.

Often your credit report will be made available online; you need to then decide what items are inaccurate or incorrect. These are going to be the items you dispute.

You will dispute the items by creating your dispute letter and mailing it to Experian credit bureau. Once they receive your letter they will determine if it is valid or invalid.

If they find your letter invalid you will receive a letter from them asking for more details about the dispute. You should respond accordingly and provide them with the information.

However if your dispute is found valid they will conduct an investigation. During an investigation they will contact the creator of the listing and ask them to verify the account, the dates, and the amounts.

Often investigations will result in removal of a negative mark. This is due to many businesses not verifying debts because it costs them money to do so.

You can also hire a credit repair service to dispute negative credit on your report too. If you choose this option you will only need to identify each mark you wish to dispute and they will do the rest.

The advantage of having a service is in case the listing is verified they have advanced dispute techniques they can use. These include; escalated dispute information requests, debt validation, and creditor direct intervention.

If you have multiple bad credit items you wish to dispute then I suggest hiring a service, in addition they will have no problem getting a valid dispute submitted. However if you only have one or two bad credit items to dispute then you can do it yourself.

You should also know that a dispute letter must be sent to each credit bureau. Failure to do this and the other two major credit bureaus will still show the negative listing even if Experian removed it from your report.

In sum negative items can be removed from your credit report. You do not have to live with the high cost of low credit.

About the Author:

For a free sample dispute letter to dispute and remove bad credit items on your credit report or to read a review of www.lexingtonlaw.com a suggested credit repair service visit us.

Fix Bad Credit

By John Cooper

If you have a low credit score contrary to popular belief you do not have to just wait seven years for your credit report to naturally repair it self. You can take action today and remove bad credit items from your report.

The Fair Credit Reporting Act says that you can dispute any item that you do not believe to be accurate on your credit report. It also says that any item that can not be verified must be removed from your credit.

You can dispute an item through the dispute process. This is done yourself by writing a dispute letter or you can hire a service to dispute items on your behalf.

The bureau will receive your dispute and investigate. They will contact the lender and ask them to verify the dates on the account and the balance.

If the account is not verified then it must be removed from your credit report. It has been found that items older than 2 years, charge offs, repossessions, late payments and discharged bankruptcies are easier to remove from your credit.

This is a result of these lenders having received some form of payment. For example a charged off account has likely been sold to a collection agency. Thus the credit card issuer has no reason to save your account or records of it.

Recent delinquent accounts, tax liens, judgments, and bankruptcies are more difficult to remove. If you have one of these marks then hiring a service is a good idea, because they have advanced dispute tactics.

If you have a service and your disputed item is verified then they can use advanced dispute techniques to remove the item. The techniques include; creditor direct intervention, escalated dispute information requests, and debt validation.

In addition it will help your credit score if you open a revolving line of unsecured credit. I suggest a bad credit credit card. This will help you build a positive payment history which is very important when your score is being calculated.

In sum, you should not wait seven years for credit repair to occur naturally. You can take steps today and rebuild your score.

About the Author:

For more tips to repair credit or to read an article about credit legal repair services visit us.