A Clean Credit Report is one of the best financial tools you can have at your disposal.
Unfortunately, for some of us, our credit records bear the scar of financial disaster.
It may be an overlooked medical bill that went to collections, a bad property investment that ended in foreclosure, a defaulted credit card payment or a missed loan payment.
Whatever the reason, your credit records can be holding you back.
Good clean credit does much more for you than just making it easier to get a credit card.
With a good credit score, you can qualify for a home or automobile loan.
If you need money for unexpected expenses, your score will help you get a personal loan.
Poor credit affects more than just credit cards and loan applications.
Were you aware that many insurance companies check your credit score and use it to determine how high to set your premiums? Individuals with bad credit can expect to pay substantially more to insure their automobile.
If you insure your home, motorcycle, recreational vehicle or business, these can also be affected by your score.
Thankfully, there are some options available to clear these bad marks and regain a Clean Credit Report.
A very common misconception about credit repair is that once negative items are logged onto your record, you cannot remove them.
This is untrue.
The Fair Credit Reporting Act (FCRA) gives you legal right to dispute erroneous entries on your reports and have them removed.
Some people turn to credit repair organizations, but these organizations are not always on the up and up.
Some of the less scrupulous ones simply take your money and disappear, leaving you with less money in your pocket and the same credit score you started with.
There are some honest credit repair organizations that will help you get a Clean Credit Report, but they can charge high fees for their services.
After all, the majority are in the credit repair business to make money.
It is possible to clean your credit records on your own.
However, it requires a good knowledge of the process and the laws that apply to credit reports.
If you don't know what you are doing, you may inadvertently make a bad situation worse.
Credit repair software is increasingly being seen as a better choice.
The software designers already have the proper knowledge of credit repair laws and know how the process works.
They take the guess work out of the process for you.
All you have to do to get a Clean Credit Report is follow the process the software takes you through.
You start by entering the information from your credit records.
Then the credit repair software simply walks you through the process of credit repair step by step, telling you exactly what you need to do at each stage.
The end result is a credit score anyone would be proud of.
With your new Clean Credit Report, you have re-established your way back onto the road to financial freedom.
You don't have to worry about being turned down for a home loan because your credit is not good enough.
The only thing you need to be concerned with is finding the home of your dreams.