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/CAs to erase negative items from your report and provide an affordable payment plan
• 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.

Community Buzz .. highlighted topics and discussions in our community