Credit Resources
There are a lot of Credit resources out on the Internet. The problem is there are so many that give misinformation. The other issue you find it is so many companies just want to take your money.
After years of trial and error I have come up with the best list of credit resources for my readers.
Here is the list of the best credit resources you can find out there: (I update this regularly)
Credit Repair Services
These are companies that will do the work for you, in case you do not have the time. As I have said before, with the right knowledge, you can repair your credit yourself. Some people do not have the time, so that is why I have included the 2 best companies in the business that help out thousands of clients.
Lexington Law - Lexington Law has served over 1/2 million clients since 1991, taking expert action on their credit that has led to the removal of millions of questionable negative items from their credit reports.
Ovation Law - Ovation’s specialized credit repair processes, credit expertise, and guaranteed customer service make them one of the best in the industry. Ovation has helped tens of thousands of Americans correct their credit reports.
Credit Assistance Network - The Credit Assistance Network provides a free consultation and they also have a A rating with the Better Business Bureau (BBB). They are known for their custom tailored service. They are also a member of the National Association of Credit Services Organizations.
These are the only 3 credit repair companies that I am willing to refer on this Credit Resources Site. I have referred many clients to these 3 firms and they do a great job.
Credit Monitoring Services
Credit Monitoring is a fantastic program to be part of. It has helped me out several times. Credit monitoring allows you to pull up your credit reports as much as you like. Unlike other services where you have to pay each time you want a report and then MULTIPLY that by 3 different credit bureaus. Credit monitoring and ID theft protection also helps ensure your identity and info is not stolen.
The FBI now reports that Identity theft is the fastest growing crime and it can cost you THOUSANDS of dollars and hundreds of hours to fix. (Credit monitoring is a must these days) There are more and more services opening up everyday, so you have to make sure you chose the right one that will give you the proper features you need and not charge an arm and a leg for it.
TrustedID Identity Theft Protection - TrustedID is one of the oldest and largest in the business. They do a fantastic job of giving you all of the benefits and features you need without breaking the bank. Here is a basic overview of just a couple of the main features:
- 3-bureau credit monitoring, report and score, instantly, based on data from Equifax®, Experian®, and TransUnion®
- Black market internet and identity monitoring
- $1 million service warranty
- Live on call protection specialist
- Plus 12 more identity protection features
LifeLock - LifeLock has some great services available. Their main service is called ”Command Center” and it comes with several credit resources. Here’s just a couple of the main features:
- Credit Reports
- Lost wallet Protection
- Address Monitoring
- Credit AND non-credit alerts
- $1 Million Total Service Guarantee
Credit Cards or Loans
If you are looking for a credit card with damaged credit, the options are limited. Furthermore, if you choose the wrong credit card you can be dealing with ridiculous interest rates and fees. (luckily the new credit card act helped reduce those a little)
A great option is to get a secured credit card. They have good rates(for a credit card) and some of them don’t pull up your credit report to get approved.
The Rush Credit Card allows you to put exactly how much money you want to spend on the card, so that you cannot go over any “limit” and this can save you lots of money from additional fees that regular credit cards are known for.
The Rush Card has a great feature that asks you questions to figure out which card is best for you. Just answer their questions, and they tell you which card is customized to your situation.
You can learn more HERE.
A new way to lend money has been created by LendingClub.com. Lending Club allows Americans to lend money to other Americans. It essentially skips the bank all together! This is a great way to help other Americans out or get yourself a loan.
The loan application is quick and easy. Their interest rates tend to be considerably less than most banks too. This is a large operation too… as of the last time I checked, they had funded over $325,000,000!!! Thats $325 MILLION dollars that have helped out Americans! Really cool stuff here. If you want to fill out their fast application to get a loan, check it out >> HERE <<
Bankruptcy
If you are considering the bankruptcy route, please seek the help of a licensed attorney. There are many options out there and each state can have different procedures to follow.
Clear Bankruptcy – If you need help with a bankruptcy, visit Clear Bankruptcy’s website that will get you in touch with the best solution and firm. You can fill out their simple form here:
Foreclosure Help/ Loan Modification
If you are looking to modify your mortgage or stop the chances of a foreclosure, you’ll need someone in your corner. Home Foreclosure Fighter will get you in touch with the company that is best for your needs (what state you live in, who your bank is, etc). They also offer complementary consultations with a foreclosure professional. To fill out their simple form, click >HERE<
Tax Reduction/Negotiation
Taxes are the most serious debt out there because you owe the government. Most people don’t know that they can actually negotiate with the government to reduce the amount of taxes they have to pay back. There are numerous stipulations and requirements, but a professional can guide you through the way and do most of the “heavy lifting”.
Urgent Tax Relief is committed to help people with IRS and State back tax troubles that arise from unpaid state and federal taxes, late filings, audits unfiled returns, and more. They can get you in touch with the best company to help with your tax issues by filing out their 60 second form >HERE<
Attorneys For Credit Laws & Other Laws
If you are looking for an attorney for credit resources or just about any other legal matter, check out The Law Guru. This site allows you to type in your questions to get an answer. You can ask them a question and they will answer it for a small fee – so instead of paying a ton of money for an attorney, they can get you legal advice at a super low cost. Not only that, but you don’t pay until you accept their answer. You can check them out and ask any question you want here: www.lawguru.com
Another site to check out is the National Association of Consumer Advocates. This is a site that will direct you to the proper attorney depending on what state you live in and the financial type of issue you are looking to resolve. You can go right to their Find and Attorney page here: http://naca.net/find-attorney
Auto Loan
If you need an auto loan, Prosper Auto Loan has a quick application to check how much you can get approved for to see what car you can get. They will scour the banks to find the best deal for you regardless of your credit. It’s an easy form you can find here: Prosper Auto Loan
Payday Advances
Don’t take out PayDay loans unless you ABSOLUTELY have to. If you can avoid it, you will want to refrain from taking out a payday advance. They have higher interest rates which can make it tougher to pay off. There are times where you need the money and you do not have another choice or credit resource. That is probably the only time you would want to get a payday loan. If you are in dire need of cash in your pocket, there are 3 places that have helped people get the cash fast.
If you need cash quickly, the 3 places are:
100 Day Loans - 100 Day Loans uses a network of over 160 lenders to find you the best rates and deals for you. They act as a loan search engine to find the best loan opportunity to suit your needs. Their application is easy and can be filled out >>HERE<<
Team Quick Cash - Team Quick Cash has no fee to apply and it takes less than 2 minutes to finish their application. They can get you up to $1,000 in your pocket quickly. You can fill out their simple form >> HERE <<
PayDay One - PayDay One can get you cash the next day as long as you fill out the form by about 6pm eastern time. They offer payday advances and installment loans. The application is simple to fill out and it is not evasive. You can fill out their simple form >> HERE <<
Medical Loans
Prosper Medical Loans finds the best financing for your medical needs. Their application is fast and simple and you find out quickly. Fill out the form >>HERE<< to get your money.
Those are the main credit resources you need to know about. I hope this helps and glad to serve. I wanted to also give this consumer notice: You should always perform your due diligence before buying goods or services from anyone via the Internet or offline. I may have an affiliate relationship with some of the providers or services mentioned above and may be compensated when you purchase from them. Any questions??? — Just us the “Contact Jeremy Maher” link. These are the best credit resources from all my research, hope they help!
