Welcome to my new blog! Without giving away too much information, I’ve spent the last 6 years working with a non-profit credit repair agency. We aren’t a scam like most of the for-profit credit repairing services; we use government subsidies to help individuals at no out-of-pocket expense. This blog is my attempt to help as many people as I can via the internet since my daily interactions are face-to-face only.
Throughout time, I will share my inside knowledge of credit information and advice so you can improve your credit score and avoid credit pitfalls.
Thank you for visiting and let me know if you enjoy the info by offering your comments. I 100% promise to never accept any advertising or money from this blog – it will be commercial free for its lifespan.
Credit Score Tips & Advice 
marcys said
This is a great service you are providing. Can we ask you questions? I would appreciate an answer to that question, at least. Thanks for the tips.
G said
What was the name of this non-profit credit repair agency you worked for? Or any similar?
sayonaratosilence said
This would be a very nice blog to read about for the millions of consumers who suffer credit rating issues. I would definately check in to keep up to date on this, see what new tips I can learn.
Just an afterthought, throw in some times how to repair credits because that seems to be the most common theme, that it takes forever to get the big three to fix it up.
jbwebs said
@marcys
Sure, please ask your questions on this post I suppose.
@G
I want to keep my employer anonymous, but I’m in the Bay area if that helps any ;-).
@sayon
I’ll def put in some stuff about how to fix your credit with the big 3 if it gets messed up.
Greg said
Hi. Thought you might want to know that several of the posts on your thread for payday loans are payday loan scams you might want to delete them.
bill joe said
Great blog, keep it up!
np said
I look forward to this blog and information that is posted…I really need to improve my credit! Do you think those AAA credit is possible? I mean they say to get a secured loan, lets say for $1000 and open up another secured loan with that $1000 at another bank, pay off the acct and that will boost up your points dramatically? False or some truth? If you dont mind, you can email me at tahoestyle@gmail.com or I can check back here – Thanks! If you need any computer questions answered head over to http://tahoestyle.com ;-)
scmfinance said
I think this is a great blog you have going. I have a site that I am trying to get off the ground and I would be interested in speaking with you about possibly providing some content to the site in return for what I hope will be exposure for either your blog or the company you work for. I would feel badly plugging the site on your blog, but if you are at all interested to discuss more, please feel free to contact me — infizzle@gmail.com
his2ndlove said
Hi there….could you please do an entry on how to re-establish credit after a bankruptcy? I cannot get any clear info on this! Thanks.
mytuition said
Hello, i really enjoyed the information on your blog! I’m starting a site based on consolidating tuition loans; you should check it out and maybe you could add a few tips to your blog!
Jayleigh said
THank you so much for sharing this information. I wish I’d known it BEFORE my hubby and I declared bankruptcy several years ago. I believe our last bunch of bad credit will come off our report in ’12, which shocked the daylights out of me. We always assumed it was 7 years and then off your credit report.
Anyway, we also did the Payday Loans for a while and now we’re without a credit card – we use only our bank’s debit card. I’m a little gunshy because of the predicament we were in previously. We do have two car loans and a mortgage, all at good interest rates now, and our credit scores are both average.
We learned everything you’re saying here the hard way. I don’t feel badly about declaring BK because we paid all of the money back that we owed, minus a few exhorbitant fees from our credit card companies. And the company who sued us which started the whole BK ball rolling, never even put in a claim on our BK. That was weird, I thought.
We know now not to slow pay, because that’s how we ended up getting sued and declaring.
Anyway. thanks for the info. I’m passing it along to people I know who need it.
JAMES P. DAKURAS JR. said
HELP !
w8agt said
Excellent blog and great advice. Thanks.
Patrick said
Great blog, I’m sure this is going to be very helpful to allot of people. I have a blog to follow my first experience with buying a home, and would like to add your site to my blogroll if thats alright with you.
greatsales said
Great blog! Once discovered, this should become a very popular spot. What a great service you are providing!
ubuntonista said
Thanks for a great blog. I appreciate your ad-free nature – most of the credit blogs out there are full of junk, and ads and little else.
Good luck.
The Specialist said
What a great, informative site! I love how you are offering a service to people that are in need of advice when it comes to handling credit issues. My hope is that you would become a partner in a similar type of site that addresses the everyday concerns of persons in the sales profession….http://greatsales.wordpress.com…
iansforest said
I’m a Chicago mortgage broker and found your blogsite to be incredibly informative and helpful- thanks for the great information.
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Yikes I wasnt aware of that
Ashton said
Ashton
Are you an executive always scurrying with your suitcase duringbusiness
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Idetrorce said
very interesting, but I don’t agree with you
Idetrorce
CreditGuy said
Interest site just like mine.
Chuck Reynolds said
I just found your site through getrichslowly.org and I’m glad you’re posting some good information from inside the industry. I’m definitely adding your blog to my financial feeds.
Thanks man and keep up the good posts!
Mark Enderle said
Hello. I am a professional credit consultant. I happened upon your site today, read your bio, and thought I would zip you off a quick email. I have 8 years experience helping people understand and improve their credit. I am NOT a credit repair person. I am a consultant. I also write monthly newsletters on credit related issued. I see you do not accept advertising, and since I am a for profit business, this contact may be fruitless. However, I am mostly in the business of educating people how the credit scoring system really works. I have reviewed over 4,000 credit reports to date, have read pretty much everything there is to read on the subject, have many good contacts inside this industry, and now consider myself an expert in the field. If interested in talking sometime, or in using some of my credit tips, please contact me, and we can go from there. FYI, I like your idea of trying to assist people learn more about credit. Most people are really flying blind out there. Thanks, Mark Enderle, Covington, Ohio
Jim said
If you 100% gaurantee to never accept advertising, then why are the “Ads by Google” on this page directly below your statement of promise?
Donna said
great blog, nice
Credit Repair Fast and Easy said
This site enables you to do credit repair yourself and allows you to learn from experts in the field of repairing credit. We are a legal firm that has done credit repair for an extended period of time but we are not here to sell you our services. We are here to educate your on the best way for you to get involved in fixing your credit score without spinning your wheels and waisting your time by just submitting form letters that do more harm than good in many cases. There are ways to submit and things to…
Reonengate said
I agreed with you
amurgrades said
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GoodCreditRocks said
Good credit repair companies can prove to be a very valuable tool in credit repair. As long as you do your homework, you’ll have a great shot at restoring your credit.
How To Choose The Right Credit Repair Company
Hasib Ahmed said
I found some very useful information on your blog. I am a new blogger and i have very little khowledge about blogging. I found some very important blogging tips here. Thank you very much. With your help i created my own blog http://epshi.com . Look at my blog and please tell me what i required more. Thank you again.
Asraful Islam said
There are literally hundreds of credit repair websites and a lot of them try to guarantee success but the reality is most of them are just a waste of money. They use methods of repairing your credit you can do yourself if you simply google credit repair templates. Their process is very lengthy and requires months and even years to get a lot of things removed and sometimes the bad marks can come back as some companies are very persistent, especially if you still owe them money.
Slow computer said
I found your site will searching for some credit help. The idea behind the blog is great because of your work experience. Hopefully you will post some more information.
Debt Consolidation Joliet said
This is exactly what I needed, it clarified some opposition I had heard.
Taken said
What can I do if my ID stolen since 07 is pulling credit reports to that point. A closing lawyer went in my report and pulled out 21,000 lien that nobody saw out of 6 appraisals going to close but, back out, due to breakdowns, loosng my daughter then 14 as I couldn’t care for her, and 25 lenders never saw this lien. He would not let me take it off for 50.00 had to himself paid 1,000.
Second problem Verizon has been charging me up to 600 a mth. for 89.00 bill the three yrs I was sick. ACH says it isn’t theres. Paypal ebay also there name is on statements but, not there’s. Who do I call to get money? I am new at blogs. I can’t locate yours. Could you send me link?
How to Build Credit said
Thanks for the helpful tips!… I found very useful information from it.. Great service… Interesting..
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I’ve meant to post something like this on my website and you have given me an idea. TY.
Samantha Despain said
Its such as you learn my mind! You seem to grasp a lot about this, like you wrote the ebook in it or something. I feel that you just could do with some % to power the message home a bit, but instead of that, this is great blog. An excellent read. I will definitely be back.
Laura said
I used a company in San Francisco (which came recommended by my credit union) for a debt management program. I started in Jan 2009. It’s working great! I’ve gone from $12,000 in owed debt down to $4,000 in what seems like no time. I like the company, but here’s the deal. Stupid me made the mistake of calling up my one credit card company that I chose to keep open (they are not included in the program). I mentioned that I was doing this program for my other credit cards (it’s a long story, but it came up) and on the spot these jerk-wads told me that they were closing my account because I was doing a program!! What the what!!? Can those freaks at Juniper do that? I’ve never missed a payment to them. Also, the only bad part of the program is that they had me cancel all my cards I was paying off. I wish I’d have known then what I know now about that.
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Just an afterthought, throw in some times how to repair credits because that seems to be the most common theme
Audrey Isham said
I did the most stupid thing, I did a online loans, they asked for all of my drivers lic. social security,bank account,Now I have some people using my facebook, some games that I play and pay for credit, my bank account my address ,phone,all of it. I am stressed beyound stressed..
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Will the payday loan be paid punctually or should it be
another case of an undesirable debt.
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I’m impressed, I must say. Seldom do I come across a blog that’s equally educative and entertaining, and let me tell you, you’ve hit the nail on the head. The problem is something not enough men and women are speaking intelligently about. Now i’m very happy that I
came across this during my hunt for something concerning
this.
rase fico score said
The most important thing to know about the dispute leter is that it
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Many times, it is simply forgetfulness that causes accounts to
be paid late.
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One that’s worth considering is the Displex Display Scratch
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If youu find obvious discrepancies, or accounts you don’t recognize, do a little research,
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consumer credit counseling said
Hey there just wanted to give you a quick heads up.
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I’m not sure if this is a format issue or something to do with web browser
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The style and design look great though! Hope you get
the issue fixed soon. Thanks
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Thanks for the post.
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