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Credit Clean-Up In order to clean up your credit report you're going to have to get a copy of your reports, yes all three.

Once you have your reports it's time to remove your bad credit! This can be done by challenging the information that's on your report directly with the credit reporting bureau that's selling the incorrect information. Remember, your information must be true, accurate and verifiable. If it's not verified within 30 days it must come off your report. If you were a week late making a payment and the credit report says you were 30 days late, is it true? No! Accurate? No! Well, have them remove it!

Let's be clear - if information is bad and it's true, accurate and verifiable, it's going to stay on your report. How do you know if bad information that is true and accurate is verifiable? You dispute it. There's no penalty for trying to get bad information off your report.

If you're looking for help. try this, Click here to Learn How To Repair Bad Credit.. It can, and should be done. So do it already, what are you waiting for?

Shocking But True
I used to think that if one had enough money there would be no reason to worry about your credit report. I was wrong. After hearing a news report about credit reports I’m convinced that everyone needs to have their credit report cleaned up. The report showed that a lady was paying an extra $2,500 a year in car insurance because, get this, six years ago after a family disaster she missed two credit card payments. Her perfect driving record made no difference because her insurance company put more importance of her credit card payments than her driving ability. This was for car insurance; I think this is stupid. Yes, it’s shocking but true.

My advice is to challenge every bad piece of information of your credit report whether it’s accurate or not. For best results consider this a long-term project. In my opinion there is no excuse for charging someone huge amounts of money for something that not related to credit because of something that’s on their credit report. So, while you can challenge the information on your credit report yourself, I now feel if you need to get professional help it is worth the money to do so. And of course, don’t create any more new debt.

Building Better Credit
Building a better credit report is important for two reasons. One, you may need to or want to use it someday. Two, bad credit can be used against you. So, other than having bad information taken off your reports how can you improve your credit report? Pay the bills that you do have on time. Making consistent on-time payments is the best way to improve your credit score.

Don’t max out your cards. By keeping your balances at no more than 50% of your limit you’ll keep your credit score higher. And keep you inquiries to a minimum. This is especially true if you have a limited credit history. The more well established your credit history is the less impact inquiries have.

Keep on top of the changes in your credit status. Your credit report will change often. In fact, it changes whenever a charge or a payment is reported. The most important reason to check your reports often is fraud and identity theft. The sooner you are aware of illegal activity, the easier it will be to correct.

7 Steps to a 720 Credit Score® 7 Steps to a 720® Credit Score
Learn the seven little-known rules of credit - and turn even poor credit into great credit and into an opportunity to SAVE hundreds of dollars every single month! 7 Steps to a 720 Credit Score®

The Credit Solution Arm yourself with all the tactics and strategies you need to build up your credit score in a positive direction. You’re going to make only so much money in your lifetime, and The Credit Solution will show you what you can learn and do about consumer credit so you keep most of that money!


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Debt Calculator

See how long it will take for your debt to get paid off with one of these four options. We have listed a standard debt amount as a default on the debt calculator. You will need to enter your current personal or business debt amount below to see what your debt payoff amounts will reflect.

What's Best For You: Minimum Payments?

Debt Consolidation?

Credit Counseling? Debt Settlement?
Total Unsecured Debt $30,000.00 $30,000.00 $30,000.00 $30,000.00
Months To
Get Out Of Debt
430 60 60 36
Interest Rate 18.9 % 12 % 10-12% Ave None
Total Interest Paid $49,978.53 $10,040.01 $21,300.00 None
$900.00 $667.33 $855.00 $458.33
Total Cost
To Be Debt Free
$79,978.53 $40,040.01 $51,300.00 $16,500.00
Monthly Payments   Months To Get Out Of Debt   Total Cost To Be Debt Free
Minimum Payments Debt Consolidation Credit Counseling Debt Settlement
Enter Your Debt Information Here:
Your Total
Unsecured Debt:
Your Average
Interest Rate:
Months To
Be Debt Free:


PLEASE NOTE: This calculator gives you an estimate of how much it will cost you to get out of debt, how long it will take and how much your monthly payment may be with the different options to pay off your debt. Keep in mind "Minimum Payments" assumes you NEVER make any further purchases on your credit cards and the credit card companies NEVER raise the interest rate on your cards in the future from the rate calculated above. The "Debt Consolidation Loan" example is usually only possible when taking out an "equity line of credit" or "second mortgage", which involves securing your unsecured debt with your home. This is a very risky option for most people because the home could be foreclosed if you cannot make the payments.