Would you like to own a home some day?  Buy a car?  Rent an apartment?  Have you had difficulties obtaining these things, or others, due to bad credit?  Well, there is hope!  You can repair your credit… yourself!

Between Us

When I was faced with the task of repairing my own credit, I was astonished at the lack of free information available on the subject: Where do I start?  What do I do?  In addition, how do I do it? Everywhere I turned, there were offers to either repair my credit or help me repair it…for a fee. If I had enough money to pay someone to fix my credit problems, I wouldn’t have had any credit problems to begin with!

Over a period of time and after much searching, I gathered the information that I’ve placed here.  My intent is to save you the time and the effort, which is better spent on your campaign to establish good credit.

There is usually nothing that someone else can do to repair your credit that you cannot do for yourself.  (Those “credit repair” places sometimes neglect to tell you that.)  Had I known how easy it really is, I could have had my credit cleared long before I did.

“Bad Credit?  NO Problem!” offers are available everywhere, but unless you take steps to keep your credit rating on the right path, you run the risk of costing yourself money… the very thing you can least afford!  High interest rates (like with those “Bad Credit?  NO Problem!” offers) cost YOU.

Suppose you wanted to buy a $20,000.00 car and pay it out over 48 months.  With good credit, they may be offering a 6.5% interest rate (sometimes much less!), meaning you’d pay approximately $2700.00 in interest over the life of the loan.  *However*, with bad credit, they may offer you an 11% interest rate (sometimes MUCH higher!), meaning you’d pay approximately $4800.00 in interest over the life of the loan!  That’s a big difference!

For those with bad credit ratings: DO NOT FEEL ALONE:  In 2005, approximately 2 million households filed for bankruptcy, so a lot of us have been in your shoes.  There are many reasons why you may find yourself in this situation – divorce, medical bills, lost job, the “ignorance of youth”, etc. 

Your first reaction may be to stick your head in the sand and ignore your credit situation.  DON’T DO IT!  I know how discouraged you can feel, but it’s important to do whatever you can NOW to get back on the path of good credit.  Depending upon the severity of your credit problems, it may take weeks, months, or, sadly, years to successfully repair them; however, it CAN be done.  And more importantly, you can do it YOURSELF.

Know where you stand!

Take steps immediately to ensure that your credit rating allows you to do the things you would like to do.  You may not be able to afford a new home or car now, but what about later?  You never know what the future may hold and, without good credit, you may be limiting yourself and your dreams.

You may have good credit and not be aware of it.  Creditors can use this against you by charging higher interest rates.  What you don’t know CAN hurt you.  ALWAYS stay on top of your credit situation.  Know what your credit report says and make sure that what it shows is accurate.

So where do you start?

 
Good news!  You already have.  Within this site, I’ll explain the “mysterious” Credit Process, show you how to obtain your credit reports and credit scores, what to look for once you receive them, how to dispute inaccurate information, and how to improve your credit rating.  Although the process can be a slow one, it’s simple, it’s easy and it’s one you can do for yourself!

Yes, I’ve done it again…I’ve changed the software for this site.  Hopefully, for the last time

The good news?

FORUMS!  Yes, we have forums!  Yay!!  Woohoo!!!  I think..hope…that it will be easier for people to post and get information through a forum format than through the previous comment system that we were using.

Slight design change!  Basic setup remains the same, but put in a few new things and changed a couple of old and hopefully it improves functionality and makes things easier to read also.

FORUMS!  Did I mention we have forums?  Yay

For Me:  Less spam!  Woohoo!!!  Part of my delay in responding to comments has been the excessive amount of comment spam that this site was receiving.  (Invisible to you, because I was madly deleting it constantly.)  The new software should make that almost non-existent.  You will need to sign up to leave a comment or to post in the forums, but never fear, your information will never be used/sold by this site. (See our Privacy Policy.)

And ...FORUMS!  I’m excited about the new forums   Can you tell?

New Canadian Information Category!  Our Canadian friends will be able to view all Canadian-related information in one area!  Yay!!!

FORUMS!  ....ok, I think you get the message

The bad news?

Previous comments lost: Whereas I appreciate each and every comment that has been posted on this site in the past, they were unable to be brought over with the new software.  Please continue asking questions or leaving the very nice notes that you’ve left in the past   Those make this all worthwhile

Site URL changes: If you’ve bookmarked specific pages within this site, you may find that they no longer work, as most of the site addresses will change.  You can still reach the main site, however, at www.freecreditfixes.com and please…update your bookmarks!

........ok, I can’t think of any other bad news.  Other than our new forums are mostly empty, please go help fill them

I’m hoping the changeover will ONLY be a positive experience for me AND you   And after all, we’ll have FORUMS! ....ok, I swear I’m going to stop that :|

I have a few other plans in store for the site, which will be possible once everything is settled.

Cross your fingers and wish me us luck!  And prepare to enjoy the new *coughs* forums  (It’s a sickness.  I can’t help myself :| )

—arin

after 10 years or so, i’ve finally decided to purchase a real domain name for the arin’s attic credit repair section!   so welcome to http://www.freecreditfixes.com   same credit repair information, same price… free!

i’ve also finally managed to put in the Frequently Asked Questions section that i somehow lost in one move or another.

hope YOUR credit future is looking bright

—arin