How To Fix A Bad Credit History

July 20, 2013 - PRLog -- When negative information in a consumer's credit report is accurate, only time can make it go away. A credit reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against the consumer can be reported for seven years or until the statute of limitations runs out, whichever is longer. The seven-year reporting period starts from the date the event took place.

No one can legally remove accurate and timely negative information from a credit report. Consumers can ask for an investigation at no charge to them, of information in their credit file that they dispute as inaccurate or incomplete. Some people hire a company to investigate for them, but anything a credit repair company can do legally, a consumer can do themselves at little or no cost.

People in need of assistance on how to repair their bad credit history can get free on-line advice by visiting the website of "Bad Credit MD" at http://www.badcreditmd.com/repairing-bad-credit/.

If a consumer is not disciplined enough to create a budget and stick to it, to work out a repayment plan with their creditors, or to keep track of their mounting bills, they might consider contacting a credit counseling organization.

Most credit counselors offer services through local offices, online, or on the phone. If possible, a consumer should find an organization that offers in-person counseling. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate nonprofit credit counseling programs. The consumer's financial institution, local consumer protection agency, and friends and family also may be good sources of information and referrals.

http://youtu.be/SqXfCnZ6ugQ



Bad Credit MD, is a free On-line consumer information guide that helps people with credit problems in Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

Bad Credit MD has been in business helping consumers with bad credit since April of 2007 and is a subsidiary of Enticing Designs Publishing. The staff has various backgrounds in the financial and mortgage industry. Its staff has researched its information with various governments around the world to provide the most comprehensive and accurate information free of charge. To contact the company spokesperson, go to https://plus.google.com/u/0/104692534381789121018/posts