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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.

Ask the Community

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
3
WAMU/ER Solutions  By musikman
Posted: Tue Jan 06, 2009
at 11:48 pm
Forum: Credit repair
Replies: 3
Views: 21
Join discussion

I had several fraudulent charges/debits against my WAMU checking account which I disputed and thought I had them reversed in my favor. Several months after ...
8
paying off debt  By singlemomof3
Posted: Tue Jan 06, 2009
at 6:02 pm
Forum: Credit repair
Replies: 8
Views: 29
Join discussion

I recently received a debt consolidation loan went through my credit and paid everything off. taking into consederation my ex husband used my ...
2
Pass 30 days on DV letter What next?  By LearningFast
Posted: Tue Jan 06, 2009
at 4:00 pm
Forum: Improve your credit score
Replies: 2
Views: 14
Join discussion

I sent out a debt validation letter to 2 collection agencies. Neither one of them responded "correctly" to the letter. Both sent me a computer ...
5
being sued 4 debt I cant verify? help!  By beck
Posted: Tue Jan 06, 2009
at 2:10 pm
Forum: Credit repair
Replies: 5
Views: 25
Join discussion

I got a summons to pay a cc debt. The debt is 2k but I am being sued by a collection company, not the original ...
4
Collection agencies calling me up for the debt  By Harry
Posted: Tue Jan 06, 2009
at 10:20 am
Forum: Credit repair
Replies: 4
Views: 19
Join discussion

Can collection agencies call debtors to collect the debt. If so, what can I do next when the collection agency asks for repayment of the ...
5
Phone # For CMRE Financial SVCS IN  By bernardinoguadalupe
Posted: Mon Jan 05, 2009
at 11:10 pm
Forum: Credit repair
Replies: 5
Views: 25
Join discussion

Phone # For CMRE Financial SVCS IN ...
4
Lexington Law/Credit repair agencies/Opinions??????  By sorie
Posted: Sun Jan 04, 2009
at 9:56 pm
Forum: Credit repair
Replies: 4
Views: 30
Join discussion

Does anyone have any comments on Credit repair agencies? Two months ago I hired Lexington law, because for me that was the easiest way to go ...
6
New to credit repairing. Please Help!  By SGTHOFFER
Posted: Sun Jan 04, 2009
at 3:44 pm
Forum: Credit repair
Replies: 6
Views: 38
Join discussion

I am new here, I have read alot of the open threads, but I really do not understand them. I want to bring up my ...

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