FindHow2.com
Finding big solutions to life's little problems!

Restore Good Credit
-- Free Sample Dispute Letters
-- Quickly Raise Your Credit Score
-- Credit Repair Insider Secrets Revealed
-- How To Get Better Credit

Better Credit Cards
-- Save Money With Low Rate Credit Cards
-- How To Refinance Your Credit Cards
-- Avoiding Costly Credit Card Traps
-- Boosting Credit For Best Credit Cards

Find A Better Mortgage
-- Avoid These Home Loan Mistakes
-- Debt Consolidation Loans: Pros & Cons
-- Where To Find Best Refinance Rates
-- Glossary Of Mortgage Terms

Get Out Of Debt
-- Save Money On Everyday Items
-- Free Debt Consolidation Tips
-- How To Break Free From Debt
-- Student Loan Repayment Plan

Get Better Health
-- Eat Your Way Back To Good Health
-- Foods To Help You Fight Acne
-- Healthy Chocolate...Super Food?
-- Antioxidant Benefits of Acai Berry

Money-Saving Travel Tips
-- Book Discount Cruises, Save Money
-- New Pet-Friendly Travel Tips
-- Plan Romantic Weekend Getaways
-- How To Get A Travel Visa

Free tips show how you can improve your credit score by yourself!

Want to restore bad credit? We can help! Need the 'how-to' to fix those pesky derogatory marks popping up on your credit report? We can help! There's no need for you to pay someone else to fix your credit rating. Good credit is within your reach! Knowing how to get better credit is simple: you can find, dispute and request removal of most derogatories lurking deep down in your credit report, restore your good credit, consolidate or eliminate your nagging credit card debt, check your credit report for free to uncover incorrect entries in your credit history, and get free information on cleaning up your credit disputes. You get all our proven ways to boost your credit quick here at FindHow2.com. And best of all, our how-to reports published here are yours for free! Bookmark FindHow2.com right now to find your way back for future updates. Thank you for visiting FindHow2.com today - finding big solutions to life's little problems!

Boost Your Credit Score
$7 guide leads you step-by-step through credit repair process. Dispute errors yourself and get a better credit score. Proven results... (Read more...)


BestCredit: How to Win the Credit Game, 2nd Edition (Paperback)

by Dana Neal (Author)
ISBN-10: 1581605013

Book Highlights:
Written by a former debt collector, this credit repair book covers many aspects of credit restoration, including how to legally remove any adverse credit from a consumer credit report, how to negotiate debt, how to prevent and recover from identity theft, the secrets to raising a credit score, and more. Remove judgments, liens, late payments, bankruptcies, collection accounts, inquiries, charge-offs, repossessions, and foreclosures. Learn how to negotiate like a pro, reducing credit card and other unsecured debt to a fraction of what you owe!
Dana Neal knows first hand the consequences of bad credit - how a financial setback can leave you unable to buy a house or car, rent an apartment, get insurance or even land a job. But the former collection agency insider also knows that flawless credit is in everyone's reach. In easy-to-understand terms, the author explains how the credit game is played, the roles of the various players, and the ways in which the credit industry stacks the odds against consumers He then presents a straightforward, no-nonsense plan to show you how to win the credit game by getting others to play by your rules!
Read testimonials of other readers here...


Learn how to profit buying tax lien certificates. Proven strategies, free reports included.
(Read more...)


Stop Debt Collectors Cold!
NEW: Click here to learn how to leverage your legal rights when dealing with debt collectors so you can quickly resolve all of your debts and get on with your life.
(Read testimonials here...)


Custom Search

How to fix credit report errors, get better credit yourself now & restore good credit!

How to dispute errors in your credit report and get old derogatories removed quickly

To give your credit report a "check-up" you will need a proven, step-by-step plan to clean up your credit:

Here's a free sample credit report dispute form we recommend you check out. It is published at Oskie.com, and it really helps you gather your thoughts and your documentation to challenge and dispute credit report errors. It's our recommended resource to get ready to fix your credit report and restore good credit yourself!

Also, check out MyFICO.com, which published "Credit Facts & Fallacies" at its website last year, along with interesting comparisons of how different credit scores equal widely-varying interest rates on loans. Learn why it's important for you to know how taxes affect your credit card interest rate.

To help you get on track, we've included two free sample credit repair letters to remove a charge off to give you proven guidelines how to write a letter to challenge incorrect or outdated derogatory entries on your credit report and to help make your credit score rise higher.

Fix low credit score to enjoy benefits from a good credit rating

Click here for testimonials...
Restore good credit, boost your credit score
If you suffer from bad credit, you already know how hard it is to get the best rate for a car loan, qualify for a home loan, or get the lowest monthly rates on your insurance premiums. And you know that there are no quick fix when it comes to rebuilding bad credit.

There are fixes. Long-term fixes. Your credit report may be costing you money, and there are many ways you can correct erroneous, outdated information that the credit bureaus have on file about you. Also, there are other ways that you can start rebuilding your bad credit if you've never had good credit or even if you've experienced bruised credit in the past. Finally, here are more free tips on how to refinance with bad credit even while interest rates are rising higher.

Knowing the status of your current credit score is essential to getting the right loan when you need it, and you can order a copy of your free credit report online. Having these reports will come in handy as you work to improve your personal finances. If you need professional help, you can also get unlimited credit reports and scores provided with a credit monitoring service provided by Credit.com.

The three major credit reporting agencies have announced they have partnered together to provide a new credit scoring system which they hope to eventually rival the current, dominant FICO scoring system. Learn how the new VantageScore credit scoring system might affect your credit in the coming years...

Free credit restoration download added: "Free Credit Card Checklist"

Regarding medical bills: "How Unpaid Medical Bills Affect Your Credit Report...And What You Can Do About It"

If you've never had credit before but would like to, then read how to establish credit for the first time.

How to eliminate credit card debt, lower all your monthly bills, and get yourself out of debt now!

Credit cards have become like a candle flame to the moth: Beautiful. Inviting. Dangerous.

The changes that went into effect back in 2005 altering U.S. bankruptcy laws now means unsecured credit card debt is much, much harder to flush away with a simple Chapter 13 wage-earner's personal bankruptcy filing. But this looming danger hasn't stopped the majority of Americans from applying for those "free" credit card offers that flood their mailbox.

The problem, it seems to me, is that all too many people have either
(1) never learned, or
(2) have forgotten

how to manage their own credit card debt properly.

Because of these two things, they are hopelessly digging themselves into a deep hole of debt that is difficult to climb out of financially.

But it's never an IMPOSSIBLE climb! You CAN start taking control of your finances by developing getting good credit habits: learning how to track your monthly expenses, cutting unneccessary bills, and starting your own personal debt consolidation program yourself.

The first step to taking back control of your financial future is seeking help. I highly recommend that you check out Dave Ramsey's website and books on credit and debt to learn the truth about bankruptcy, as his writing really can help people come to grips with their own financial failures. I've witnessed how his helpful, real-world solutions have helped people recover financially -- and in the process, they reclaim their own self-esteem. You simply can't go wrong with any of Dave Ramsey's books or DVD's.


Here's an example of Dave's expert advice:

"Credit Card Collectors Are SCUM!"
By Dave Ramsey

Credit card collectors are NOT your friends. A collector’s job is not to help your overall situation. They are out to get your money only – whatever it takes. Think I’m lying?

Connie Asked Me... One day Connie in Nashville called me on the radio. She was 3 months behind on her credit card payments and being threatened by some collectors. They said they were going to take her house away if she didn’t pay her debt off immediately.

Well, I’m here to tell you that these collectors are SCUM! They lie and break federal law on a daily basis. I've worked in this business for 17 years, and I've never seen a credit card company sue someone or garnish the wages of someone who is 3 months behind on payments. If they are going to take a lien against your house or other action, they have to sue you first, win, and get a judgment against you. They don't do that to people who are 3 months behind. It's a total bluff by some idiot in a cubicle 500 miles away.

What Should I Do? Collectors use psychological warfare to get you to pay them. They try to make you emotional enough so you pay them before buying food or paying the rent. Collectors are also very rude and abusive. Does that sound like things a friend would do? Not at all. You don't have to take it! Here’s what you should do:

  • Talk or Hang Up? Tell the collectors that if they are willing to talk to you as an adult and not call you 20 times a day, you will talk. If they call to swear at you and threaten to take everything from you, you can and will hang up.

  • Talk once every 2 weeks - MAX. Tell them that when they call more, you will always hang up on them. Collectors try to call you at breakfast or dinner time, since you tend to be more emotional then (more tired, dealing with crying kids, stressed, etc). Don't get emotional. If you have talked to them within the last 2 weeks, tell them so and hang up.

  • Collectors can't call you at work. If they do, tell the collector that you are officially telling them not to call you at work. Then send the credit card company a certified letter, return receipt requested, saying that you have told them not to call you at work.

  • Pay what you owe. I don't tell people to not pay their debts. But collectors go over the top and try to scare you into paying them before buying food or paying the light bill. Tell them that your necessities (food, shelter, transportation, clothing) are more important and that you will pay them after your necessities.
  • Get on a written budget with your money. Spend every dollar on paper on purpose, before the month begins. Know where your money is going. Never give a collector electronic access to your checking account or send them post-dated checks. If you do, they will clean out your account because you legitimately owe them the money.
Don’t let some idiot in a cubicle 500 miles away scare you into thinking they’re going to take away everything you own or filing bankruptcy. Remember, any collector that tells you this is SCUM!

This content is provided by Dave Ramsey's MyTotalMoneyMakeover.com. Dave Ramsey is changing the face of America by helping people beat debt and build wealth with his best-selling book, The Total Money Makeover, and nationally syndicated radio show, The Dave Ramsey Show. Read more of what Dave says about collectors.

Article Source: Dave Ramsey



The second step is to learn how to budget your finances. You must set time aside every week to track your spending, develop a realistic budget that fits your goals and lifestyle, and make the time to open all your mail, check your monthly statements, write out your checks, put them into envelopes for mailing, balance your checkbook... on and on, until dealing with your debts becomes an ingrained habit. The secret is to put a renewed focus on your bills, not avoid them one minute longer. Making an appointment with yourself at the same time, every week without fail, to deal with your debts, can help you gain a sense of control over your out-of-control financial lifesyle. Eventually, you will come to realize that your bills have too much power over you and you will take the proper steps to start eliminating them from your life.

The third step is to STOP using credit as a crutch. Too much consumer debt will limit your options to enjoy a happy life. If you can't afford something at the moment, then don't pretend you do have the money by pulling out your credit card to buy it. Accept your current income as your financial boundary, and live within the fences. Read our article on credit card traps to avoid to understand how important it is to always read the fine print on credit card agreements. Further, don't fall victim to digging yourself into a hole using payday loans. Do whatever you have to do to avoid the payday loan trap that all-too-many payday loan companies operate.

Fourth: Earn more without spending more. Ask for a raise. Look for a new job. Become more proficient in your job while you're waiting on your next raise, and eventually you'll be rewarded. Start your own business. There are plenty of ways to earn money with your own sideline business online, and it's really very easy to start an online home-based business by yourself to help increase your monthly income. Again, when you do increase your income, keep your expenses as low as possible and use your new extra income to eliminate debt, not add to it.

The fifth step is to continue to re-evaluate your financial situation from time to time. Do you need to save more? Do you need to lower your monthly bills? Do you need to downsize into smaller, more affordable house? Do you need to sell a little-used car or motorcycle or fishing boat to raise quick cash to further reduce credit card debt?

Here is a free debt calculator to help you determine the value of eliminating high-interest credit card debt.

Once you've finally gotten into the habit of breaking free from the credit card trap, you will get into the habit of improving your credit score and you will start to feel more secure. You'll then have better options on what to do with your money, your time, your life. You'll actually be reclaiming your own life in the process. And that feeling of self-reliance is the best present you can ever give yourself.

Do-it-yourself debt consolidation plan

Credit FAQ's
Answers to common credit questions...

Debt Relief FAQ's
Q&A on how you can get out of debt...

Other Financial Websites
To Get Debt Advice Online:

CardRatings.com

BankRate.com

Oskie.com Self-Help Credit

Yahoo.com! Finance

"How to get higher credit scores fast" -- Download step-by-step instructions on how you can raise your credit scores yourself... (read more)

When your debt becomes overwhelming, maybe it's time that you consider checking into the option of debt consolidation.

No, consolidating your bills won't magically eliminate debt. But at least a debt consolidation loan could give you some breathing room and some time to think, plan and take action while you sort out your next step. Getting time to re-group, cut spending, earn more money and pay down overdue bills.

Get our free advice outlining 6 easy steps to get debt relief to help you gain control of your finances and finally start getting you and your family all the way out of debt!

Also, the best debt management solution is to start eliminating credit card debt.

Are you drowning in student loan debt? There are programs available to help get your student loans forgiven. You might even qualify for having your student loan cancelled in certain cases. Rule vary from program to program. Read this free article to learn more:
"Where You Can Find Student Loan Forgiveness Programs Online."

|

Our Most Popular
How-To Info:
"How To Survive The Recession of 2008 & Beyond"
NEW! "Trim Your Budget With Free Money-Saving Coupons"
NEW!"Find A '6 Minute Fix' For Your Computer Quick"
"How To Fix Your Frozen Xbox 360 Yourself"
"How To Get Better Night's Sleep"
"How To Fight Back When Collection Agents Won't Stop Calling You"
"Easy Ways To Save Money On All Of Your Everyday Purchases"
"Don't Repay Your College Student Loans ... Get Them Cancelled!"
"Credit & Debt Reduction Tips"
"Find How Much Your Car Is Worth"
"How To Start Your Own Homebased Business Online"
"Can Diet Pills Deliver Fast Weight Loss?"
"How You Can Lose 20 Lbs. Quick & Easy"
"7 Best Strategies For Permanent Weight Loss"
"Easy Steps To Weight Loss"
"Natural Hair Loss Cures"
"Find The Most Popular eBooks, Software and Downloads"

From news reports: Changes in credit card tactics due to Recession of 2008-09:
Credit Card Companies Willing to Deal Over Debt
From NYTimes.com: "Lenders and their collectors are rushing to round up what money they can before things get worse, even if that means forgiving part of some borrowers’ debts. Increasingly, they are stretching out payments and accepting dimes, if not pennies, on the dollar as payment in full...."


SPONSORED LINKS:
'How-To'
Reports
& Books

CHEAP TRAVEL
NEW! "Secrets on How to Book Discount Cruises Yourself Online and Save Money!"
"Plan Your Next Romantic Getaway Weekend"
"How To Buy Cheap Tickets For Vacations, Cruises, Getaways"

CREDIT CARDS
"Find Low Rate Credit Cards"
"Lower Interest Rates On Credit Cards"
"Best Secured Credit Cards"

"Compare credit card offers online" -- free reviews...
"Credit Card Loyalty Programs"
"Avoid Paying Credit Card Late Fees"
"Avoid Costly Credit Card Traps"

DEBT CONSOLIDATION
"Before You Take Out That Debt Consolidation Loan ..."
"FindHow2.com's Credit & Debt Resource Library"

FIGHT ACNE
"How To Fight Acne and Wrinkles"
"How To Look Younger, Reduce Wrinkles"
"How To Prevent Onset of Wrinkles"
"Foods That Can Help Fight Acne"

FITNESS & WEIGHT LOSS
"Reduce Excess Body Fat and Look Slimmer Fast"
"Natural Weight Loss: How To Lose 20 Pounds Fast!"
"Choosing The Right Treadmill For Fitness"
"Can Green Tea Help You Lose Weight?"

GET OUT OF DEBT

"How To Know How Much Debt You Can Afford"
"Why You Must Keep Credit Card Debt Under Control"

RELATED LINKS TO CREDIT REPAIR:

"When You Should Use Credit Repair Attorneys To Repair Your Bad Credit"
"Avoid These Silly Credit Blunders"
"4 Steps To Fix Your Credit Report Yourself, Improve Credit Rating"
"Credit Restoration Tips"
"How To Write A Letter To Fix Your Credit Report"
"Easy Credit Repair Techniques Anyone Can Use"
"How To Fix Your Credit Score In 90 Days Or Less"
"Disputing Credit Report Errors and Fixing Bad Credit Yourself"
"How You Can Self-Score Your Own Credit Rating"

"The Ultimate Search Engine Loophole™" is our recommended blueprint that clearly lays out the exact process (and loophole) to generate top-rankings for the most competitive keywords in profitable target markets with ease... (Read more...)

HOBBIES
"Teach Yourself How To Play The Guitar"

LEGAL TIPS
"The Naked Truth About Filing For Bankruptcy"
"How The New Bankruptcy Law Affects Your Debt Negotiation Options"
"Legal News: Former Prosecutor Reveals 5 Ways To Avoid A DUI Conviction"
"How to File & Win Your Case In Small Claims Court"
"Bankruptcy: What Everyone Needs To Know About Filing Bankruptcy"
"Best Ebooks & Software Downloads"

MORTGAGE TIPS
"Shopping For Your Best Mortgage Rate After Subprime Mortgage Meltdown"
"How To Evaluate Online Lenders on the Internet"




Home | Contact Us | Privacy Policy

FindHow2.com © 2006-2009 Johnson Publishing. Web Images © 2006-2009 Hemera.com.

PRIVACY POLICY: Your privacy is important to us, and we take it seriously. We will never sell, rent, or misuse your e-mail address, nor will we disclose personal information about you to third parties without your written consent. We will only contact those who sign up for our free e-mail alerts, and we will promptly remove anyone who wishes to no longer receive e-mails from us.

DISCLAIMER -- The author(s), Johnson Publishing and FindHow2.com, shall have neither liability nor responsibility to any person or entity with respect to any loss or damage caused, or alleged to be caused, directly or indirectly, by the information found on this web site. The information, methods and techniques described may not work for you in your financial situation, and no recommendation is made to follow the same course of action. Every effort has been made to verify the accurate content contained herein. However, any articles published on this site are not to be construed as rendering professional legal or financial advice. You must always seek the proper professional advice before taking any financial or legal action. ©2006-2009 Johnson Publishing and FindHow2.com. All rights reserved. You may not reprint, or host these articles on your web site, without explicit permission from us or the respective authors of their copyrighted articles published on our website. Send email to fixyourcreditreport@gmail.com to request fair use permission.