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Welcome to CreditMagic Community. At CreditMagic, you'll find resources on how to manage your credit better and maintain a good credit score. The credit experts in our community offer credit repair services to help you fix bad credit.
What credit repair service is all about
Credit repair service helps you get rid of negative items on your credit report by negotiating with your creditors to remove collections, charge-offs, late payments etc from the report. Such a service includes counseling for credit repair in order to raise your score to a level so that you can qualify for loans and credit at better rates and terms.
Credit repair services involve identifying your past credit mistakes and providing credit solutions to ensure that you have a clean report. The first step towards repairing credit is consumer credit counseling with an experienced expert/counselor
How credit counselors in our community can help you
- Credit solutions to your problems through forum discussions
- Free credit counseling for credit repair
- Negotiation with creditors/collection agencies to:
- Erase negative items from your report
- Provide you with a payment plan that's affordable
- Credit advice or counseling to help you manage your debts
While experts offer credit repair help, here's a list of articles to help you understand why it's important to maintain good credit and how you can protect your credit by use of credit laws and consumer rights.
Credit Score: This is a 3 digit numerical value that signifies how creditworthy you are. The higher your credit score, the easier it is for you to avail credit at better rates of interest.
Identity theft: Id theft is one of the most popular scams prevailing in the credit industry. Know how identity theft occurs and how to avoid being a victim of id theft.
FCRA: This includes credit laws and your rights as a consumer. Using the FCRA laws, you can protect your credit and avoid being a victim of credit fraud and identity theft.
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Community Buzz .. highlighted topics and discussions in our community |  |
| 2 | Help paid collection not removed as agreed By iancka83 
So when I first started disputing collections on my credit I paid a few off with the verbal aggreement of them being removed. Of course ... |
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| 7 | free credit score By markdeviz
Hi We are suggesting a few valuable information site which are proving free credit score like freecreditreportsonline ... |
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| 7 | CBE Group inc By goodnatured
Has anyone dealt with CBE Group inc, they keep calling my house, I have not picked it up, I don't feel like dealing with them. ... |
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| 10 | Bogus Validation Letters? By jenickki
Has anyone ever had something show up with the original bill and "state" that it is a letter of validation? This has happened to me, or ... |
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| 6 | Fashion bug card By goodnatured
Okay guys, hold on to your hats, I got the fashion bug card that I applied for, I about crapped my pants. I know this ... |
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| 15 | CC in collections--Can they still charge interest? By Nicegirl
I have a credit card that I stopped paying 3 years ago. Shortly after it went into collections and has since went from about ... |
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| 8 | Zombie Debt By Lorri
Has anyone ever heard of Zombie debt? I came across an article on the net today and it gave a little history of it. The ... |
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