There are many ways to protect and improve your credit. You should always be striving to improve your credit. Having great credit can help you get better interest rates on loans, get more credit when you need it, and give lenders confidence in your ability to repay, even when your earnings stutter.

Don’t Be Fooled. There is only One Real Way to Improve Your Credit!

There are several ways to improve your credit score. One important one is keeping a low ratio of debt to available credit– that is, having little or no balance even with a large amount of credit. Another, potentially counterintuitive, way of improving your credit score is to regularly ask for an increased limit on your credit cards, even if you don’t intend to use it. This is basically like regularly stepping up the level of trust based on your ability to follow through in the past.

There other ways to maintain your credit, but those are not the subject of this article. Now we’re talking about protecting your credit.

An estimated 13% of American’s are victims of identity theft.

This statistic should scare you. The reason the statistic is estimated is because many people don’t know that they’re a victim for years because they don’t check your credit. Imagine somebody sailing around the world on a boat they bought with your money, getting away with it because you never checked. It’s critical to keep on top of your credit, and the best way to to do that is with regular credit checks.

The service I use is Equifax.

Equifax is one of three companies that actually collect data. I’m sure you’ve seen thousands of offers. All those companies just collect data from Equifax, take a huge profit, and pass it to you. They have a free trial, and the service is definitely work a few bucks per month. It could save you thousands of dollars and weeks of heartache trying to get your name restored.

Business people know that you should never wait until it’s too late to protect yourself. They also know that information is free but good information costs money, and it’s worth it.

Get Equifax Credit Watch Gold 3-in-1 Now!

Don’t wait until it’s too late.

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The Biggest Myths When it Comes to Bad Credit!

There’s a lot of misinformation floating around when it comes to debt management and credit reporting…Here are the top 3 Myths when it comes to debt management…

Myth #1 – Paying a debt will remove it directly from your credit report.
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Myth #2 – Canc… More >>

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Equal credit opportunity manual: Special report : Federal regulations of debt collection practices

The Debt Collection Improvement Act of 1996: How well is it working? : hearing before the Subcommittee on Government Efficiency, Financial Management and … Congress, first session, October 10, 2001

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The true story of an ordinary middle class married couple buried in over $94,000 in credit card debt who face debt collection, defend themselves in court without hiring an attorney, and force a major bank’s collection attorney to dismiss its case against them. They avoid bankruptcy and prevent collection. Every pleading (of both Plaintiff and Defendant) filed in this case is reproduced in its entirely – only the case number and names have been changed to protect t… More >>

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