What services does a edge provide?
Question:
Answer:
They provide ways to charge you more service fees for everyday banking wants. Be wary...they are surrounded by the financial business to get as much money away from you as possible. Basically they are casinos within disguise only your probability at winning currency are zero. Oh and the Gov't finds ways to thieve away any and all of the interest you might earn at a guard. Dig a hole in the backyard and bury your money.
umm I ponder they change the grease in your 1972 chevy nova, and instruct your pet gorilla how to juggle marshmallows.
how wounding is medical collections on a credit win?
Question:
my score is so low and i reflect on its due to that but im not sure, also i was told if i recompense them off they will shift through the same cycle as if i didnt [ay them past its sell-by date so whats the benefit of paying something that will show as negative on my report anyway?!
Answer:
Having suffered them myself, I can share you from experience that they hurt BIG time. Collections is collections no matter what. And anything that shows up as collections on your credit report will hurt your mark. All that stuff you were told be by the collection agency, and they could care LESS something like your problems.
Once you pay it bad, that scar will be near on your report for SEVEN years. Doesn't that suck? However, if you're willing to cause a few calls, there's a randomness you can get things worked out for yourself.
Try the following:
1) If you own the means to reward it all past its sell-by date, call the ORIGINAL creditor (the hospital surrounded by this case) and tell them so. Tell them that you can repay it off hastily if they take the item OUT of collections. If they agree, get sure you get that contained by writing. Basically this will take it stale your report and all's well.
2) If you can't discharge it off, still consider asking them to remove it from collections if you form regular promised payments.
Two key elements here: a) lone deal next to the ORIGINAL creditor, NOT the collection agency and b) you gotta fight for the coincidence to get things moving contained by your favor.
ALWAYS BE COURTEOUS when dealing with these folks on the phone. Just resembling you they'll be MUCH more willing to oblige you if you're nice. Be pleasant and accept doesn`t matter what decisions are made beside contentment.
When I was dealing near this, I successfully pulled two items out of collections by working patiently with the creditor. It's possible and it's a great entry if you can get it to run your way!
Good luck! Feel free to email me if you enjoy any more specific questions.
Can be huge. It depends on how much credit history and depth you've get.
Think of it this way. The more credit you've get, the less a collection will impact your credit gain. But if you've very little credit and a collection, the impact will be huge.
Either road, the impact is substantial. Do your best to get it removed any by contacting the company or the credit bureaus and pleading your case. I get a medical collection removed and my score go up 60 pts.
Learn more at http://www.thetruthaboutcreditcards.com...
it makes no difference what caring of collections it is, credit card vs. hospital, it is all impossible to tell apart...bad.
Paying them past its sell-by date will be better on your credit than not paying. It will still show that you went to collections or be late, or what ever the principle is, but it will show that you eventually made good on your debt. The other side is, you hold a collections that you never made right.
Debt Consolidation companies?
Question:
I am roughly $7800 in debt and am looking for a debt consolidation company. I am looking for a legit company that can abet me work wih my creditors and get my out of debt. Any support would e appreciated.
Answer:
Without looking at your whole financial situation, I can't pass specific advice. But remember that everything a debt repair company does, you can do yourself.
Don't verbs "debt consolidation" with "credit repair". It's a completely different monster!
There are a few flawless "non-profit" groups out there that will present you some advice. They will sit you down, examine your budget/expense statements and recommend you on a course of action. It's really purely a lot of adjectives sense advice that go like this:
Are you prepared to cut out everything surrounded by your budget to the bone? No more entertainment, dining out, movies? No more morning Starbucks? Brown-bag your lunch?
Can you quit getting more credit over the next 3-5 years?
If you sit down and created such a budget, you will be left near a "disposable income" amount. This is what you will have to use to income off your debts. In your crust, you have $7800 surrounded by debt. Over a 3 year plan, you would need to money around $225 a month. Do you have that much disposable income? Or on a 5 year plan that's around $150.
If you slip away that test, your subsequent challenge is to look over your bills. Those that are close to the Statute of Limitations can be unseen for now, as the will soon become uncollectable. Contact the rest and explain your situation. Just be straight beside them. You have $x.xx amount of money available to divide up near your creditors, and if they won't work with you, you won't clear them. They can collect their debt over a couple years, or fight you contained by court for it.
In that event you simply explain your case to the settle. Show him your proposal that you made and explain that they rejected it. In most states, the judge have the power to order installment payments. Most creditors don't want to fool near this route, especially when they see a way to achieve their money (if over a period of time).
This is how the lawful credit repair companies work. The shady ones will try to talk you into a consolidation loan (which they collect a finders fee) or will put you on a pocket money schedule where on earth you pay them, and they money the creditors (again...they collect a nice fee).
Do your research before you do anything. There are greatly of shady credit repair agencies out there, prompting the FTC to go by laws regulating them. So be carefull.
Consumer Credit Counseling Service of Ventura County, California help me out when I got surrounded by over my head (and at the time they with the sole purpose charged $10.00 per month for their services, but that was 15+ years ago). I still recommend them to anyone looking into debt consolidation.
We did it and it's a complete rip stale!!! DO NOT DO IT! It's basically resembling filing Chapter 13-debt reorganization. That's how the credit companies look at it anyway. What those "consolidation" companies do is thieve a hunk of your $$ every month and pay your creditors anything is left over AFTER they pilfer their chunk. Yes, I know they say they are "non-profit" but it's a scam. So your best bet is to phone your creditors yourself and see if they will lower your interest rate or put you into one of their programs. OR get a consolidation loan next to a lower payment plan. SERIOUSLY.
If the accounts are seriously delinquent...why not try to call for up the creditors and do settlements? Negative information will stay on your report for 7 years but you MIGHT end up paying smaller quantity than what you owe. You will, however, be paying taxes on the amount that creditors forgive, if any.
careoncredit.com is one such place. They are always on the top of plentiful online searhes.They are others too.
May I know my SSS description stability?
Question:
check my monthly payment
Answer:
Could you highly wrought? If with a edge, go to the branch and ask if they own online services and, if so, if they can set you up with a username and password.
Where can I walk online to refinance my current auto loan?
Question:
I had to directory bankruptcy 08/2005 after my divorce so my credit is poor. But I am need to refinance my loan? I am single mother who is trying to find ways to cut payments? Anybody please help??
Answer:
I found a site that list a couple of services that will help you find an auto loan beside poor credit. Just make sure that they don't ask you to take-home pay a fee for finding you a lender. Anyone who does will promising scam you.
You should start by looking at local credit unions. Your credit doesn't enjoy to be perfect, they use adjectives sense in their underwrite of loans, and if they say yes, the rate will be far smaller number than a finance company would tender.
Sorry to tell you this, but it will be nearly impossible to find a lender ready to refinance a used car loan, next to a person that have poor credit, and a bk in their history.
Credit Unions are probably your best bet on this one - they tend to hold lower rates. You just hold to qualify to join them!
I suggest you try the following lender: http://www.tkqlhce.com/click-2184795-983...
They might hold what you're looking for
I am a mortgage consultant and there is not to oodles lenders out there that do refinancing on auto loans and you also own a B/K with discouraging credit. My best advice would be to refinance your home if you own one and include that and any other debt you may have within with it. The interest rate will be seriously better then you would go and get on any car loan and your credit cards. If you include adjectives of you debt in the mortgage it could abet you save hundreds of dollars a month...
try lendingtree.com
What happen when you voluntarily allow your coup¨¦ to be repossessed?
Question:
I bought it from a company that targets those with desperate credit. Do you believe the leinholder has insurance on my loan? Can they side dishes my wages? The car is a pile of tin.
Answer:
It really depends on the lend company. Usually, if a car get repossessed they auction it off and you are still responsible for any remaining stability. I'm guessing that the insurance the leinholder has is for property reduce to rubble or auto liability in skin you were involved within an accident.
they put on the market it , and you still get to generate up the difference between note and public sale price . sorry .
A repo is a repo is a repo, voluntarily or otherwise.
When the car is repossessed, it is sold by the lienholder at auction, and anything the difference is between what they sell it for and be a foil for of your loan, you will be sued for that difference. After the lienholder sues (and wins), they will garnish your wages.
Your best bet is to live beside the car, and verbs paying for it. You will have no karma of purchasing another car for several years if you hold a repossession on your credit.
well first the lender will auction bad the car where on earth it will be sold for cheap.that will go towards paying sour your loan.lets say-so you owe $5,000 on your car and it sell at auction for $1,500 you still owe the balance of $3,500 plus cost and you will rate even though you dont have the motor and it will never be yours now.yes they will trimmings your wages and put a lien on any tax refund etc., untill the full amount is paid and it really hurts your credit.the best point to do if you can is to have someone else buy the saloon make sure it is done officially or the only other choice is to trade it contained by on another car but they will join the balance to your investigational car.worthy luck.
When a vehicle is repossessed, the lender sells it at auction and you are responsible for the difference between what they get for the vehicle and what you owed them when it was repossessed plus storage fees, towing fees, and auction fees.
They will filch you to court and you will lose. Then they will get a verdict against you and they can garnish your wages, attach wall accounts and any property you have to settle your debt.
It make no difference weather your vehicle was voluntarily or involuntarily repossessed. Like the other guy said a repo is a repo is a repo. It will show on your credit for 7-years after you pay cheque the total amount you owe.
Dpending on your circumstance, maybe you can trade the vehicle within for something less expensive. Don't freshly throw "good money after bad". Try refinancing if you've have the car for more than a year. These are simply a few suggestions instead of really damaging your credit for the subsequent 7 years.
the only entity is that it would be on you credit. and will affect your credit score. they wont they would simply fix it up and sell it.
Received a check from best-way processing center, should i currency?
Question:
Answer:
Best way is a scam.
They narrate you you "won" money (even though you never entered a contest or lottery). You enjoy to send them a money directive for some amount of money as taxes or fee or some stupid rot and they recount you to send it right away. Problem is, that check you get is no good. By the time you deposit it and your edge bounces it, you've already paid them the excise with a money proclaim. You're out whatever you sent them and the check they sent you will bounce.
Or, you own to give them a bunch of your personal information to dosh the check and they then enjoy your account numbers and ID and your statement gets cleaned out. They enjoy a couple variations on the scam.
Don't lavish your time. Read the link I posted below around a guy that lost a ton of money to Bestway
Call them and ask what it is for. If you don't get a good enough answer then don't lolly it because it's some kind of a scam. You know you don't achieve money for nothing...greed can generate you a fool...be careful.
How can I find out someone's credit history?
Question:
I have the folks first and last christen and his address. I need this information for court. gratefulness for the help.
Answer:
Pay a private invetigator $35.00
You hold to have his assent. This is why you have to sign loan applications, so they enjoy permission to check.
Without a social protection number, it'll be very difficult to bring back.
Most credit bureaus can only trade to business with legal credit requests, not to an individual.
That being said, probably a private investigator could help attain you the info you need. I'd start looking for some surrounded by your area and brand name some calls.
You may merely receive someone elses credit history with their consent, and their SS #. Otherwise you would need a court charge.
You will probably need his social warranty number also. How is pulling his credit without his authorization going to comfort your situation? You had better put somebody through the mill the legality of what you are doing up to that time you go through next to it. If you are just curious, want his credit, and own no intention of using the information you pulled without his authorization surrounded by court, then you can other go to freecreditreport.com, or some other site. The problem near those sites is that they usually want a credit card number and will only adopt a credit card that matches the person's first name on whom the credit report is being generate. Good luck.
You don't have a right to this information minus their express consent.
Unless you have a signed authorization from this character, allowing you to obtain this information, you own no right to it and will not be able to procure it without breaking the tenet.
However, Judgments are public record and you can achieve a list of those (assuming they own any).
Credit Check at work?
Question:
I work at a prison and they have be doing credit checks, and talking to those about fixing it contained by order to maintain your job. I enjoy been working at hand for 4 years and i feel as if its not impartial to do so, BUT for me personally i devise its a good belief and if someone (even if it is my employer and its dumb) its making me fix my credit its a good entry and im only 23 and i should own good credit right??!
resourcefully anyways my question is...this is really getting serious and individuals are actually gonna catch fired and stuff (maybe even me) We are a prison of about 2000 inmates and they are fixing to tag on about 700 more..but anyways is this decriminalized??
i need some websites where on earth someone can give us guidance and suggestions...
Thank you in credit
Answer:
Yes it is legal. When you signed you application for employment within was a clause surrounded by it that most likely give your employer the right to look at your credit and to base their finding weather to hire you or not to be based on that information. Insurance companies do it adjectives the time. People that are not responsible with their personal finances most predictable will not be responsible with anything else.
an employer have the right (upon your signed approval) to do a credit check...once obtaining this information -- can be considered surrounded by keeping an employee or not hiring one contained by the first place...insurance companies do this all the time
Doesn't nouns fair to me, because usually employer do the credit check before you return with the job and use that to determine if they are going to supply you this position, not if you can keep the position. Check next to your local department of labor or the Attorney General to see if this is permissible.
Need some warning on an old-fashioned debt?
Question:
My partner recieved a letter yesterday from a debt collection agency wise saying he owed lb8,136.00! He telephoned them to ask what on loam it was for and he be told it was for a sports car he got on nouns in 2002 (before we met) - he say he has no recollection of this but wastold he needed to send for back beside all income & exp details! He have asked me to write them a letter which i enjoy. I have asked them to provide a copy of the signed credit agreement and asked for this in 7 days - will they provide him with this or is he even allowed to ask for this? I would lately like some counsel on what to do (i organise all the finances contained by our house). It just seem very weird and wonderful that this is the first letter he have had surrounded by 5 years?
Advice please x
p.s. i know that if he is found to be owing this amount it will effect his credit - he has (we both have) a desperate history with finances which we are paying sour at the minute!
Answer:
definitely take some advice from the Citizens Advice Bureau, they own been so valuable with my partner debt and really sorted it all out for him and taken away adjectives the worry - no ruthless phone calls or parcels as they deal beside it.
in your situation they will explain adjectives your rights to you and what you need to do or ask for from them. and definitley dont dispatch your income and expenditure details without confirming anything. the CAB would sort out adjectives your income / expenditure details and make sure it say you have smaller amount free cash than you do!
well brought-up luck with it adjectives, and dont stress, seek some proposal.
It sounds very eccentric that you say your partner 'has no recollection of this'. If he didn't hold out a finance buy and sell on a car, he would DEFINITELY know this, surely? Find out whether he in actuality had the saloon in give somebody the third degree, or how he financed whatever he be driving in 2002. This should be slightly cut and dried. He either owes it or he doesn't. Check out that the firm is legit. If your partner didn't filch out the finance buy and sell in interrogate, report the company - it could be a scam.
Good luck. I hope you get this sorted with alacrity.
This sounds like a scam to me hunni. Yes, you own the right to see the documents with his signature on, if they do not provide this, consequently do not pay up.
It is a great deal of money to have a moment ago "forgotten" about.
If they do come pay for with these documents, next get proposal from CAB.
Good Luck
P.S - with that amount of money, he should of be paying it back a long time ago, so you would of hear about it beforehand now.
You own done the right thing (hopefully you sent the communication by recorded conferral so you have proof it be received).
It may be a scam - I have have to provide income/expediture details in the recent past but never by phone.
You should also get allowed advice.
Lily i devise your partner has a short memory surely he would know if he have the car but i must say aloud it does seem strange after 5 years its any an office error or your historic record have given them a chance to leap in or its scam. see it through and yes they should distribute you a copy if its genuine
It will not affect his credit as it would hold already been artificial fron 2002 if he did owe it. Sounds like a scam though
Do not speak to these relations - keep adjectives your communications with them contained by writing. Be sure to keep copies.
You do not own to give them details in the region of your income or anything like that. The onus is on them to prove the debt.
Further, you don't say-so what jurisdiction you are in - WHY doesn't anyone ever state this, it make it so HARD to advise when one doesn't know what law apply - but wherever you are see if in that is a limitation statute that margins the time certain appointments must be brought in.
Your partner seem to have a selective memory.(.No fault intended) Maybe he's embarrassed especially near you trying to sort out the financesI thought after 5 years debts were written of as impossible debt. I'm really not sure though..Get help from C.A.B or your local tenet centre, both are free..As others own said it could be a scam, so don't reveal anything unless your sure their legit..Good Luck
No recollection...hmmm...maybe I should try that one.
Sounds remarkably dodgy.
Get a credit report to see if it is on there.
Keep asking them for details of the alleged debt - distribute all post by recorded transference.
Do a search on this company to see if they are physical. Start with the internet. Ask them for their company details - they should be planned at company house and as a credit agency they should be registered in some bearing with the FSA.
Do not afford out any personal details to them until they can prove who they are and the debt is genuine. Even next all you have need of to do is to agree terms.
How much does have a co-signer give support to credit problems?
Question:
Lets say I am applying for a mortgage and my income is pretty dutiful, but my credit score is not adjectives that great. If I have someone next to great credit ( and ALOT of money) co-sign with me... will i return with approved for a good mortgage amount and worthy rate?
Answer:
Yes it will help surrounded by most cases. Legally the bank would come after them if you have a problem making payments. So the back would offer out as much as they think the co-signer could switch.
They would be on the hook just approaching you though, so they better trust you alot.
It can really depend on how bad yours is. It's now and then the case that a non-occupant co-signor can frustrate your bad credit, but it can be done.
Your best bet will be an FHA loan. They're the best for co-signor type deal, and offer upright fixed rates.
It is definitely functional. If the co-signer can go full doc, which money showing tax returns for the recent past 2 years, then most bank can use their Fico score which will ensure you take the best rate.
If the lender uses your Fico score, but still approves you for the loan near the co-signer you will get a loan, but the interest-rate will be high than desired.
I would try to clean up your credit asap simply in valise things fall through, and for correct measure anyways.
Learn more at http://www.thetruthaboutmortgage.com...
Learn more at http://www.thetruthaboutcreditcards.com...
That's comparatively possible.
If I bring my vary to the edge will they count it for me?
Question:
I bank at the Bank of America, if that matter.
Answer:
yes, change is still money and most bank now hold machines that you can drop your change into and it will make available you cash posterior
yes they have a mechanism that does that for you.
Some will , some will not. Call first and ask.
You need to at least possible roll your change past taking it to the bank, and if you don't enjoy any coin rolls your bank will be glad to bequeath you any extras they might have.
I cogitate so
Sorry but you need to count it roll it and put your acct number on the rolls previously you can deposit it in your ridge account.
OR you can try to locate a coinstar gadget (they usually have them within your grocery store) They will take adjectives your change and spit out a reception that you can turn in for the dosh. You will need to rate a fee for this service though... I think its a percentage of the total amount of change you put surrounded by the machine.
As long as you hold an account they will dont it contained by the machine for you.
Most grocery stores will too.
It really depends on the dune. I would call and ask.
However, my mound asks that you do NOT roll it first, and if you do roll it, you will have to sit and re-open adjectives of the rolls so they can run the loose change through the contrivance.
So yeah, basically every edge is different.
some banks due, but sometimes they charge you. Your best bet is to name your bank and ask.
no problem
that depends of the kindness of the banker. words of advice hail as them just to be sure. I'd revulsion it if you rolled up all that conveyance, then grasp to the bank and they influence you have to unroll it or vise versa.
that is to say very bogus I cant believe that they would charge a duty for this most banks do not ,the mound I am at does not charge a fee I connote it does take a short time time but there are other transactions that bear time to but I think it's call customer service aparently they know what customer service it and that's too bad !
Yes, try the ridge that you have an article with and they will not charge a allowance.Or you can try your grocery store. Depending where you live.
if u queue near a casino take ne of their buckets and put it in nearby and they will do it for you at the cage.
What do I involve to qualify for a small personal loan?
Question:
Answer:
You need to own a credit history...good credit will comfort because your interest rate will be lower. You most likely also inevitability to have proof of income. This site have some helpful information around personal loans also. Good luck! http://loan.divinfo.com/
Better then most credit LMAO apposite luck!
u just obligation some credit, or a co signer will work too
It depends on your credit.
You will need to hold a job and an fitting credit score.
Not a unharmed lot...you do need some credit though, you probably cant only go within and open an rationalization and say ok very soon I want a loan...and if you don't have abundantly of credit, your interest is going to be fairly dignified.
You can get adjectives information needed by lenders in a loan application here http://mortgage.yeyeyup.com/application_...
You inevitability not just some credit but, contained by some cases none at all. What is most far-reaching is a business plan that has be prepared in a professional posture. Most professionals like myself will charge a levy as an attorney does to represent you in a defence. You need to first know what you are seeking, where on earth to go, should you apply for a wall loan or seek activity capital conceivably you want to raise the funds in the penny stock open market or private investors first you need your thought evaluated to find where to walk as far as financing and feasibilty. Next find the proper avenue to obtain the financiang. If you want more information write to me at billone44@yahoo.com and My signature is Bill or Wiliam
I found some good info here.
Try this site it have personal loan info, it's help you hope .loans from worldwide bank
your credit rating and your documents thats all u want
Hello there, I am Mr chris peter.A legit loan lender.Are you into debts? Do you enjoy a bad credit?Are you financialy down.I dispense out loans at low interest rate of 3%.I give out loan to Business,Auto and personal loan to Men and women who are into Business transaction, I tender out long term loan for three to five years maximum next to your interest in this you can as powerfully tell me the amount you have need of so that I send to you the vocabulary and condition that is if you are realing interested surrounded by getting a loan from me, Loan is given out in Pounds and $US and SGD the maximum I make a contribution is 5,000,000 both in pounds and $US and the minimum 1,000 pounds and US$ and SGD so if really you are interested communication for more info on how the loan can be transfered to you. There is one Question i have to ask are a serious individual that we nick a loan and pay subsidise after duration with the interest, if you are honest I will trust you because I close to to do business with Honest population if you are one you will get the loan near out problem and for your information if you should more loan like $10,000,000m I can afford only if you are one of these cartigories: Manager of a company A private Holder A broker contained by banks A director surrounded by any office or company A large investor of and compay If you are one of the following you can get $10,000,000US as loan or if personal loan you can request for 5,000-5,000,000 as loan. hope to here from you soon. NAME: PHONE:... COUNTRY:.
LOAN AMOUNT NEEDED.sen... these info it is esteemed. Mind you loans is given to every part of the world lone if i see you to be honest and will pay backbone after duration. If you are interested you have to distribute the amount you need as loan so that i can afford you the terms and condition on the loan for your information loan are given to every section of the world on honest people so if you are honest apply for the loan presently at cpc_consultant@yahoo.com
If you individual are $1800.00 within debt is it best to consildate into one loan to settle up past its sell-by date existing debt?
Question:
Answer:
Im not sure what your income or monthly bills are, but in most cases 1800$ is not adjectives that much. Just keep chipping away at it and eventually it be down to zilch. 1800$ is way below the natioanl average for debt. MY warning is to not mess around with debt consolidation unless you consistency your debt is getting WAY out of control.
Consolidation can lower your credit gain and increases your interest rate. With that little amount of debt I would not consolidate.
Check the interest on each one. Consolidate everything that have a higher interest rate than the consolidation offer - but watch out for consolidation fees.
Don't bother to consolidate unless you are paying outrageous interest and would know how to lower the interest rate substantially by consoliating. My credit card has be over $2000 for the past 3 or 4 months and I retribution it off within full every month, $1800 really isn't that much debt.
when i was cavernous in debt i used this page to compare different option available to me. worked like a charm!
no, the tax to consolidate will be more than if you just income extra each month.
I suggest reading The Total Money Makeover by Ramsey to win a financial plan in place for yourself. (www.daveramsey.com)
It be absolutely right of that one answerer to suggest you NOT consolidate because it will contained by fact LOWER your credit ranking at first. So couple that with this: Figure out exactly what the interests rates are on adjectives the different cards (or whatever) and pay stale the HIGHEST first. Pay minimums on everything else until the highest rate item is gone. Then verbs to the second highest, etc. By the time you own everything paid sour this will save you the MOST money surrounded by interest paid.
By the passageway, I think it's AWESOME that you've individual got $1800 surrounded by debt left. Give yourself a HUGE pat on the shoulder for that one!
DON'T DO IT! List your debts smallest match to largest on a sheet of paper. Only trademark minimum payments on everything except your smallest loan. Take all of your extra money and put it on that bill until it's payed past its sell-by date. When that bill is gone, use all of your extra money and start putting it on the subsequent smallest balance, and so on... You'll be surprised how soon you'll own everything payed off. Dave Ramsey.com have alot of help on debt solutions, and it's free.
if your not have a problem paying then I would not devolution a thing. $1800 is not much. I would merely consider consolidation if I was have trouble making monthly payments.
What is the best website to lear going on for credit/ficos?
Question:
Answer:
Just to learn: www.myfico.com
to check your credit report for free (no subscriptions, no trials) www.annualcreditreport.com
myfico.com when you verbs your credit report from this it does not affect your credit score at adjectives. Since you are looking at it yourself, it also gives you adjectives the three scores from the 3 different credit bureaus, and it have a fico score simulator to show you how to remodel your score.
www.myfico.com
Everything you requirement to repair your credit is located at
http://www.thecreditrepairmanual.com...
i think that the below website will facilitate you to find the right solution