how will i grasp information roughly my loan stability?
i want to know my loan balance.Answers:
telephone call or go within to the bank or somewhere and find out
Other Answers:
Call the bank, financial institution-or walk to their web site. Many of them enjoy this info available on-line.
contact the credit controller at your lending institution
My ex file for collapse. She still have a hill checking sketch sympathetic next to me as a user.Will this effect me?
The account be in her nickname. I never filed for liquidation. This is 4 years after the divorce. She had added me as a user. There is 280.00 owed to the overdraft protection. The hill sent me a letter stating the details was closed due to the bancruptcy file by her. Will this show on my credit?Answers:
There is so much more to this story. But if you are divorced she has no officially recognized right to add you to the details and you are not responsible. In fact if you have nothing to do next to it, it is a felony. Talk to her bank and ask them how you be added without your signature. Get anything you can contained by writing such as what was spent on the article and write down who you talked to and when. Sounds strident but you don't really want to have this effect your credit do you? It will and be a huge hassle latter if you are not proactive.
Other Answers:
It shouldn't show on your credit unless you filed or she used your label when she filed. Just bid a lawyer and ask it won't cost you anything simply to find out. But I really don't think it will affect you at adjectives.
You may have to wages the $280.00 since you have no protection from the ruin, but her personal Chapter 13 does not affect you otherwise.
Tricky.
I'm not sure what the liability is when you are a "user" on an account. Any accidental you have a copy of the agreement?
If the guard somehow considers you a co-owner or co-signer on this account they will come after you for the overdraft. Her ruin protects her, but now you.
how to build a credit histoy?
how to build a credit history my credit history in blank i enjoy no scoreAnswers:
My sister complete bankrupt and than she get this credit card where you transport them $ 300.00 with a $ 300.00 set off see they already had their money.
Than she made double payments instead of $ 50.00 a month she sent $ 100.00 and inwardly around a year she bought a Manufactured Home 5 acers of land contained by a total package agreement at a price of $ 98.000 included power pole and septic tank i be amazed with her basically i around one year.
This is a true what I'm telling you.
ICHOOSETOTELLTHETRUTH
Other Answers:
Get a credit card. Make sure ALL charges are rewarded off respectively month, in other words DO NOT transport a balance. After a year you will own excellent credit but make sure you money off you go together each month.
the track I started was I get a credit card through my bank. Then I get one at a local department store that I like to shop at. Never charge more than you can afford...for example, I charge roughly $40 a month and that way I can basically pay it adjectives off contained by one payment and not hold to worry almost interest. If you are worried about getting a credit card, next just don't get it with you. Take it lone when you know you are going to be getting a few groceries or a new set of two of shoes so you don't go overboard. It will slowly build your credit.
Source(s):
its how I did it and immediately my credit score is 745 or something resembling that (its been a few months since I checked lol)
acquire some credit cards and buy everything with them. u should also nouns a car. i.e. the next best piece to financing a house
Go to your bank and return with a secured credit card. That means that you contribute them, for example, three hundred dollars and they will give you a credit card beside that limit. They will hold the $300 as a deposit from you. Every month use the card and put together sure you make appropriate payments-that means at tiniest the minimum payment and prompt. After about six to eight months, taken that you did build good payments, the backbone will refund you the deposit and will convert it to unsecured credit card. Once that shows on your credit you will start getting credit card offer over the mail from miscellaneous banks. Open few but do not budge overboard and make sure anything you charge on credit you have the money to reimburse for eventually. That is the hardest lesson many population fail to follow.
I like to pay envelope my charges off respectively month too. But that is not knob to building credit from scratch. Carrying a stability is ok and will not hurt your credit. But you do want to limit your revolving accounts to not more than three cards, and you other want to pay more than the minimum expense.
Buying an auto is also very perfect. Some dealers, approaching Ford, have first time buyer programs (or had). AND, once you've established your accounts, don't ask for credit more than three times surrounded by a six month period.
If you can't receive a credit card, for some reason, establish an commentary with a local store. I started beside a parts store or tire store account.
A credit card is usualy a virtuous start, but be careful. Watch your spending. When you enjoy a credit card you can become stupid and end up buying things you cant afford
how to clear debts, some flawless clues ?
Answers:
A step in the right direction is to find angelic advice and not snarky comments from empire trying to accumulate points.
Sit down next to a pen and paper and write down adjectives of your monthly expenses including food and entertainment. Next, match that up compared to your income. Anything other you should put towards paying off your debt.
This take practice and as you get better at it you will swot to harness your expenses while accomplishing debt narrowing.
Please remember that any get out of debt express offer is probably a scam or a discouraging decision. It take time to get into debt and time to bring back out of it.
Good luck!!
Other Answers:
You could just try paying them sour.
suicide
slice 30% of your income in paying debts, 10% go to savings and spend 40% for your expenses. Never spend more than you can afford. How to do it? BUDGET ur money cleverly.
If the debt is not valid, you can contest it.
If the debts are valid, you need to reimburse them. Pay the minimum on all debts to hang on to them current. Then put extra towards paying off the most recent debt first. You may want to put extra on smaller debts if here are one or two that are a lot larger than the rest.
It will appropriate a long time for your credit to recover. Paying your debts down rotten, is the first step. Once you have your debt below control the next step is to use debt responsibly. You can do this by paying a credit card past its sell-by date every month.
Get a second job and flog your car.
Concentrate on paying stale one bill atta time, while still paying all others. Then do one and the same with respectively expendable bill....meaning bills that arent each day living bills. Then as they're paid, verbs those cards. Only have one charge card! Destroy adjectives others.
What is the differance of Credit card Visa & Master Card ? what type of advantages both credit can provide?
Answers:
If you go to a "Visa Only" Business beside your MasterCard you cannot shop there and viceversa.
However, exclusive businesses are slowly disapearing and you can other find another business.
I suggest you to always save at least a Visa and a MasterCard basically to be safe.
Other Answers:
Some places don't thieve MasterCard and some places don't take visa....especially surrounded by foreign countries.
it is in reality two different vendors that bank use. mastercard offers specific things, as very well as visa. for example, you can get some extra coverage on lost gear with visa. or next to mastercard, you can decline to accept the extra insurance when renting a coup¨¦. there is also extra travel insurance. you can give the name 1800 mc assist for the info on mastercard. call your credit card company for the number for visa and they can pass you the benefits that visa offers.
Source(s):
also..most credit card companies hold some kind of marketing rewards on specific cards, especially if they are some big-hearted of co-branded cards. Master cards are accepted more widely contained by Europe whereas Visa card are more of North America and the rest of the world. In some country mastercard cannot be used really. Both has their own differences of advantages (promotions) as it tremendously much depending on the time, season and the issuing banks.
Where can I receive a copy of my credit gain not my credit report?
Answers:
Freecreditreport does NOT give out free credit reports or score. You would have to sign up for their service, catch your report, then withdraw their service. If you want to play that game, that's up to you. But also information that they do not give you a "FICO" rack up, but a differant scoring method.
Credit Reporting Agencies are not required to give out free credit score like they are beside credit reports.
If you really want one, I strongly suggest you go to http://www.myfico.com and recompense for it there. This is the site of the folks who certainly developed the scoring system. They also give you a rundown on what exactly is wrong beside your score and how you can raise it.
Other Answers:
Go to http://www.myfico.com
You can't you inevitability to have a credit report done to find out your credit chalk up. freecreditreport.com has both for free
im a lilttle embarrased to ask this examine but is in attendance any mortgage co.that would nouns a physical unpromising cr.guy
Answers:
www.naca.com
They are a non-profit housing advocacy group. They do their own financing, will work with you to bring back your credit back on track and they also work next to banks. They do fixed rate loans. Check them out. If you hold bad credit your expressions with a lender aren't going to be that great. NACA isn't nearly profit, they are about getting general public into houses. They got their money by taking on Fleet Bank for predatory lend and they won. Now they use that money to help others attain into homes. Good luck!
Other Answers:
Yes. And they will screw you forever. They are usuers engaging within usery. Get your credit rating cleaned up and wait.
There are closely of places that will finance you. Of course you will not receive a very perfect interest rate. Some will do anything to get you financed. Watch out for them! I would push for a fixed permanent status and the lowest possible rate. If your credit really sucks, you probably will not get a obedient rate. What is your FICO SCORE? Whatever you do, do not sign up for a adjustable rate, interest only loan or anything of that outlook. I would work on restoring your credit first. Then you will have more leverage.
FHA loans are not credit driven. They do require 3% down and amount is base on income. FHA does require mortgage insurance for the life of the loan. And nearby are grant programs that will "gift you the down gift. FHA's are not excessively high interest loans. Talk to a broker, convey them your scores of front. FHA is also available at core banks I.E. Wells Fargo, Wachovia, etc. These two institutions also hold relationships with allow providers.
Source(s):
Grant Research, Bankruptcy callenged
I suggest you to increase your credit score to above the National Average past you apply for a loan.
Top 3 Answerer in Business & Finance. (Vote for me)
how can i bring another ssn#?
Answers:
Go to the Social Security Office in your nouns for a replacement card.
If you want a new number that's impossible and banned
you facing 5-10 years in a 6x6 cell next to a hairy creature that has not see a real woman within 30 years. Guess what he thinks you are when he finds out you are his untried room mate.
Other Answers:
Why do you want another one? Do you want to change your weak SSN? I don't think you can be issued another SSN.
It would be iffy.
It would result in you getting a smaller SS contribution than if you simply had one SS number.
But if you are determined, call round your nearest SS office (llok it up surrounded by the phone book under Federal Government entries),and relay them you would like another SS number.
Unless there's some overbearing basis why you want another - perhaps, your identity have been stolen within a very complicated matrix of events - I doubt that at hand is room to "wipe your slate clean".
If you lose your Social Security card, contact your local office, they will issue another. You may enjoy to provide your birth certificate, etc.
You can't gat another SS#, it's criminal.
You can't get away from creditors by varying it either. You hold heard cooperate that you can, but trust me...you will get caught and prosecuted.
The feds are on to relatives doing this, and are looking for it. Don't try it.
I suggest you to contact the Social Security Agency.
Top 3 Answerer in Business & Finance. (Vote for me)
cases of witness protection and identity mugging are only endorsed ways.
to much spam on internet giuving bad info. Never do anything risky to help boost your credit ranking.
How do I verbs up my credit?
I've just graduate college and my credit isn't the greatest. A few late payments and a settled report. How can I clear my credit of any blemishes and get it so I can finally bring a loan or buy a car in need ridiculous payments?Answers:
As a recent graduate, you will get some grace from creditors so long as you are employed within you field of study.
Pay final every penny that you have outstanding starting beside the highest interest rates.
A few belatedly payments and a settled account are not a most important hurdle. That being said, buy a well brought-up used car. Save your $, create and carry on a large (one full years pay) showery day fund.
The 5 "C's" of credit are:
Character - Do you follow through next to your promises
Capacity - Do you have an income sufficient for the debt
Credit - How do you compensate and are you overextended
Collateral - Does the creditor have a saloon they can reposes
Capital - Do you have $ surrounded by the bank.
By paying rotten all debt, maintain employment and building a rainy sunshine fund, you will score economically.
Other Answers:
You have be invited to join America's most exciting club staunch to educating members within credit matters. Our hope is to show members the agency to reaching and maintaining a credit rack up (FICO) of 700 and better.
We have contracted beside many of the top firms that hold out assistance and services in the credit and financial planning community.
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We are constantly negotiate with our providers to liberate members money on these services. A prime example is our flagship product, Credit Report Cleanup. We own a contract that saves you 40%! If you go direct with the company, your cost would be 82.5% superior. The company we use for this service has help over 10,000 people beside Credit Report Cleanup. They are a Bonded Professional Company that has be in business for several years. Among items they have successfully removed from Credit Reports:
Federal Tax Liens
Bankruptcies
Foreclosures
State Tax Liens
Repossessions
Slow/Late payments
Charge offs
Car:
1. Buy a used car so you won't hold payments.
2. Get a cosigner for a better financing.
3. Take public transportation if you live in a Metro city and use a Flexcar (one that you pick up at a subway for a payment, use, and return -- many big cities hold these servies).
Cleaning up credit:
1. Take credit cards out of your wallet and put away.
2. Use cash or debit card for everything.
3. Get a second charge if you don't make profoundly right now.
4. Pay rotten the card with the hightest interest rate first and move down until adjectives is paid past its sell-by date.
5. Get a consolidation loan if you have frequent cards so you only own to make one wage.
6. Have your account set up so that the return comes out of your paycheck automatically each month (no deferred fees).
7. Don't hide from creditors -- contact by calling and writing to see almost getting reduced fees or work out a lower monthly payment.
** Don't income someone else to "clean up" your credit! There are so many books available that shows you how to do this on your own. Suzanne Orman is one devout financial advisor. Pay three to five times the minimum payment due.
Charge no more that one quarter of your monthly reward.
That way your pay cheque history is solid and your use of credit responsible.
If you have more than two credit cards, shred them in a minute.
ARE YOU BROKE CAUSE I AM> TELL ME HOW BROKE YOU arE>AND HOW HARD IT IS TO LIVE!?
Answers:
Its so hard...
To live
Yo yo,
Shizzle.
Other Answers:
Before I get payed on friday, I had two cents within my checking. And now I hold 60 dollors to last me two weeks. I would right to be heard pretty broke. But I just net due.
I may b brook But im living it easy
I'm so broke, I can't even find the pieces, never mind put it spinal column together.
I'm so broke that I can't afford to pay attention. lol
I be broke once so I saved up 10 impressive and I just give up it sitting there within the bank it make me feel more support.
I don't actually hold any money that is mine. I'm surrounded by my fourth year at university and am living off of student loans that newly cover my needs. I have to sell my vehicle to my sister because I didn't have ample money for a new tire. But within another nine years when I get out of university ho ho look out! I'll be rich!
I am so broke that I just go through the couch cushions, the truck seats and adjectives of my pockets to get money to stir to the 99 cents store and buy food. I've got 1/8 of a container of gas and a week till payday. It is just sick that we are forced to work similar to pack mules and barely attain by. It's like we work for the privilege of working.
its not smooth to be broke it feels so discouraging ,yes iam broke but you know what i can live with it and i other thank GOD 4 whatever he bequeath to me.
hard to live is relivent, remember, 50 years ago 14yos worked contained by coal mines.......12 hours a day. conceivably when you reize the things you really want from life, money can't buy, you won't consider of broke as a handicap, sometimes it teaches us best.
Source(s):
2002- 12K twelve-monthly income, 1 kid, 2003- 14K, 2kids, 2004- 13K, 2 kids, 2005- 17K, 3 kids, 1 house, 2 cars, work at home, happy adjectives day!!
I am babyish, broke, and fabulous w/1.5 kids. It's frustrating, and stressful,but you know what,then it woudn't be call life after would it?
I am so broke. I have 495.00 moved out in the dune. The whole month's bills due. No living. Just totalled my car and found out that since I didn't money my car insurance, I lost a 2000 dodge imperial caravan and have not a soul to help me seize another one. No car make it hard to carry and keep a mission. New to the town, know no one. 2 kids and a single mom.
I also suffer from depression and the agony of the accident I be just surrounded by. Nose practically broken/face numb/r knee swollen, bruises and cuts everywhere...
So ya, time sucks and it is HARD TO LIVE... let alone numeral out how to face the subsequent day beside these financial problems that seem to never f**ing ends!!!
Can I win a home equity LOAN minus have a profession??
I own a house worth 150,000--outright. No loans, no mortgage. Can I get a home equity loan next to no job?If I don't pay envelope they get my house. So why do I own to have a duty? I have a process to pay the loan, to be precise not the problem. I just want to qualify.
I also lone want to borrow, under 20,000.
Answers:
Don't do as charmed suggested! Verification of employment is not newly a phone call-its tax statements, W-2's, etc. You do own to show ability to discharge, if your not working, are you drawing a allowance? Social Security? You would qualify as long as your income ratio and payment are fine. Otherwise, you do hold to have steady, monthly income.
Basically if you are on a income of $1000.00 a month, with utilities, food, phone, insurance, etc are around $600.00 a month, and the home equity recompense would be $ 300.00, it would be iffy, as they look at disposable income for auto expenses, clothing etc.
Don't know enough of your situation to recommend if you would or would not qualify. There is also appraisal fees that you must pay up front to capture an exact value on your home, they do not shift by the PVA assessment, they go by the condition of your home and others within your area, their selling prices, and how long they enjoy been on the open market.
Other Answers:
maybe
If you have a well-mannered account statement -lots of money surrounded by the bank. But afterwards, you have to proove you can repay back the loan.
How can you do that minus a job?
yes this type of stuff has happen before....
profoundly of times a bank have tougher rules to follow so maybe try a credit coalition or a mortgage broker...
they will ask you a lot of question and ask you to verify the way your getting the money to repay the loan..
and if you can prove it to them..most probable you will receive the loan..
but the credit unions usually enjoy a lower percentage rate..
GOOD LUCK
and GOD BLESS
you shouldn't enjoy any problem . as long as you can show the bank that you can spawn the payments without a mission I did a fairly painless equity row of credit through my current lender, Washington Mutual. There was no fees and the rate is adjustable but right presently it's at about 7.5% just on what I use.
The other option for you would be to refinance. You would bring the difference in equity, but next again, you are looking at a mortgage and that might be hard in need a job...sorry, perchance that wouldn't work on second thought... equity loans may be a bit tricky at times, I suggest you get as much information as possible online on these,
a biddable place to start in my humble judgment is:
http://umgarticles.atspace.com/equity-loan.htm
a couple of years ago I took an equity loan, however I made some errors, luckily for you they are all tackle in this article.
polite luck Ever heard of a "stated income" loan ? This is a credit scoree driven mortgage loan. You necessitate a mid 620 score to qualify. Basically, you can bite sour more than you can chew with this one.
You could purchase a million dollar home and adjectives you have to do is share the broker you are comfortable with the clearing (and have virtuous scores)
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how many numbers are contained by a credit card #?,Answers:
it's 16
Other Answers:
16
19 if you count the cid.
16
i enjoy fruitless credit and necessitate an apartment by May 1?
i need someone who be in one and the same situation that can help me. I've be working on fixing my credit for the last 9 months and since my credit report hold negative this on the the apartment complexs are in recent times denidng me i need relief because i only own on month left staying near my brother i ask him to cosign but he doesn't want to because of his wife i need abetAnswers:
How are set for cash? Can you afford to put down three months rent plus a vigorous damage deposit? Will your current hotelier write a letter of guidance for you? Do you have a steady source of income? If you said yes to adjectives three questions next go final, sit down and start negotiating. If you consistency a lot beneath the collar take a friend along to work as mediator - a restful quiet harmonious friend.
Other Answers:
The above answer is real fitting. Everything I was going to utter is in that answer. I have to pay my landord 2 months rent surrounded by advance and first and closing security deposit. After 3 years, he give me back the closing months rent that was used for the collateral deposit. I also have a friend who put an commercial in the rag for wanted to rent and she found a valid nice cheap place that way.
you can get an awesome card that will aid you increase your credit score (guaranteed)or sustain you establish credit on www.entrustsystems.com/wow
is it true that an attorney can remove particular refusal items from a credit report.?
If so how much is this service?Answers:
No one can legally remove accurate and timely cynical information from a credit report. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost. The ruling allows you to request an investigation of information in your record that you dispute as inaccurate or incomplete. There is no charge for this. When the investigation is complete, the credit bureau must hand over you the written results and a free copy of your report if the dispute results in a progress. If an item is changed or removed, the credit bureau cannot put the disputed information back within your file unless the information provider verify its accuracy and completeness, and the credit bureau give you a written notice that includes the baptize, address, and phone number of the provider. You also should tell the creditor or other information provider contained by writing that you dispute an item. Many providers specify an address for disputes. If the provider then reports the item to any credit bureau, it must include a sense of your dispute. In addition, if you are correct-that is, if the information is inaccurate-the information provider may not use it again. If the investigation does not resolve your dispute, enjoy the credit bureau include your version of the dispute contained by your file and surrounded by future reports.
You're entitled to one free report a year if you can prove that (1) you're unwaged and plan to look for a job beside 60 days, (2) you're on welfare, or (3) your report is inaccurate because of fraud. Otherwise, a credit bureau may charge you up to $9.00 for a copy of your report.
Other Answers:
why don't you christen the credit burear and see what you can do for yourself first?
Do it on your own. Get a copy, review it and write the credit reporting agencies asking for PROOF of the item. I personally have five items removed from my file by sending post every 45 days. They must answer your request and provide proof. Credit collection companies also buy your debts and ALSO must provide written authority from the original creditor that they enjoy permission to collect the debt. Three of the creditors never give permission to enjoy my accounts collected and were eventually removed. Also state federal law and know your rights.
Lez beau is absolutely collect.
Credit "repair" agencies proffer to do the same things you can do yourself, and they will charge you a large amount. They will also end up hurting your credit surrounded by the long run.
By law, credit reporting agencies can NOT remove information from your collection. They can only do it if:
1) You dispute the entry
2) Upon investigation, the creditor fail to verify the debt within 30 days.
They simply one who can legally edit/delete your report is the creditor who placed it. If the information is wrong or incorrect surrounded by any way, and they fall through to correct it upon your dispute to the creditor, then they can be held liable for damages.
If the information is accurate in that isn't much you can do. If you want to try, see the link below.
Also information: Lots of credit repair advice say to send a bunch of post to the credit bureaus and dispute everything! It doesn't work. Repeated lettes will be ignored as "frivilous" and it's rear up by recent changes within the Fair and Accurate Credit Reporting Act passed a couple years ago. So don't waste your time and money doing it.
Source(s):
http://www.zagrosbigvand.com/credit-repair.html
I found a solution that worked for me. It might work for you too.
I have some pretty serious credit problems…some were not my culpability and, I guess, a few were. I listen to the so-called “experts” who said they could fix my credit report and I spent money I didn’t have. I didn’t enjoy any luck trying to get my credit report fixed.
I remember paying for the services that these Credit Repair Companies have to offer. The companies told me that they could enjoy negative items removed from my credit reports minus any problem, Yeah, right. This did not happen at adjectives. Most of the companies wanted to charge me a set up charge anywhere from $39 to $299 for their services. Not only did they charge this set up payment, most of them also wanted to charge me from $29 to $49 monthly while they “attempted” to repair my credit report. These companies offered no guarantee that their services would in reality work and, believe me, they didn’t.
I was more or less ready to impart up when I found a lady who have been through alike thing and who have found a solution. She figured out how capture all the gloomy items removed from her credit report within 3 months lacking paying anyone a penny. She developed a fast, straightforward, step-by-step process that she guarantees will work for everyone. She sells the complete plan near all the aid and instructions for $47.00.
I know what you are thinking…”another $47 down the drain,” and that’s kind of what I be thinking too. But, I figured that since she offer a 100% money back guarantee I have nothing to lose.
Well, I tried it and it be amazing. I got adjectives of the negative items removed from my credit report and my credit evaluation went from 553 to 715 contained by only 3 months. All I can vote is that it worked great for me. I suggest you check it out. You can always go and get your money back if it doesn’t work for you. If it works even partially as well for you as it did for me you will never even consider about asking for a return.
The information is on this site: http://clean-credit-secrets.com/
Companies that charge claiming they can improve my credit evaluation?
The Federal Trade Commission (FTC) cautions consumers of companies that breed claims regarding credit repair. These companies don't do anything for consumers that consumers cannot do for themselves at little or no cost (basically this ebook). For a brochure roughly credit repair, you can write to the Federal Trade Commission, Sixth and Pennsylvania Avenues, N.W., Washington, D.C. 20004 and request "Credit Repair: Self Help May Be Best."
accurate info can only be removed if the creditor does not respond to the dispute contained by time alotted(30 days)
inaccurate info justifiably has to be changed.
a legal representative contacts the creditors and trys to negotiate them to report the debt paid within full making the hit slightly less than self unpaid and late. do it your self
This report includes numerous webpage and mail address contacts, sample correspondence, easy to infer tips to establish credit deal next to creditors and dispute items on your credit file. included is also some identity burglary information. you learn what raise your FICO score and what risk you represent to a sandbank.
http://www.geocities.com/maverick_mathaeus/CREDIT_REPAIR.html
can you return with online financing for a diamond ring?
Answers:
you would have to carry a personal loan . or you could probably get financing through the jewellry store
Other Answers:
I suggest you to see the motion picture "The Count of Monte Cristo" starring Guy Pearce.
Check the ring Edmond Dantès gave to Mercédès at the naissance of the film.
You call for a ring exactly like that one and not a Diamond Ring.
Top 3 Answerer within Business & Finance. (Vote for me)
if you buy it thru a jewelry store that has an online site
http://www.zales.com/helpdesk/index.jsp?display=payment&subdisplay=credit&clickid=botnav_diamondcard_txt
Source(s):
http://www.geocities.com/maverick_mathaeus/CREDIT_REPAIR.html