Peace be unto you, Sincerely, O'Rell Muhammad

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2 Peace be unto you, We all know how valuable and vital having a good credit rating can be. Without a good credit rating, your financial, occupational, and personal goals are at risk of being severely limited. So, to obtain the privilege of using a credit card, your credit rating is checked. Since maintaining a good credit rating is important in today's society, a poor credit rating can have an adverse effect on your personal goals. This book is intended to support and help individuals and families find the answers to the most commonly asked questions of credit repair, as well as informing them of the dangers that lurk the marketplace. After reading our guide, you will have the necessary knowledge required to get out of debt and also have information that will guide you to resources that will help you repair your credit, get loans, and so forth. This book is a must-read guide for people with bad credit, no credit, or trying to establish good credit. You can contact at credithealing@gmail.com or call/text us at if you have any questions. Our website provides the most relevant and latest information on credit repair and more. You will not regret to visit our website. Sincerely, O'Rell Muhammad

3 LEGAL NOTICE The Publisher has strived to be as precise and complete as possible in the origination of this report, however the fact that he does not warrant or represent at any time that the contents within are accurate due to the quickly shifting nature of the Internet. While all attempts have been made to verify information provided in this publication, the Publisher assumes no responsibility for errors, omissions, or contrary interpretation of the subject matter herein. Any perceived slights of specific persons, peoples, or organizations are unintentional. In practical advice books, like anything else in life, there are no guarantees of income made. Readers are cautioned to rely on their judgment about their circumstances to act accordingly. This book is not intended for use as a source of legal, business, accounting or financial advice. All readers are advised to seek services of competent professionals in legal, business, accounting, and finance field. This manual is written in Arial; therefore you are always encouraged to print this book for easy reading.

4 Table of Contents Introduction...6 Essentials to Repairing Your Credit...10 Steps to Credit Repair...13 Repairing Your Credit Ratings...16 Understanding The Fact...17 Understanding Credit Files...20 Observing Your Credit File...23 Stop, Think and Listen...25 Using Pre-paid To Builds Credit...27 The Importance Of Credit Reports...28 Avoiding Bad Credit and Repair Credit Hassles...32 Avoiding Complications for Home Owners...34 Avoiding Credit Declinations...36 Avoiding Payday Loans...39 Interruptions In Bad Credit...41 Using Bartering System To Restore Your Credit...42 Bills are due, and Credit Repair is in Place...45 Caution You Need To Observe When Building Your Credit...50 Building Credit History...54 Bad Credit Building Credit...57 Building Credit in Despair...59 Building Credit and Preventing Repair...62 Credit Building Strategies...64 Building Credit Repair...66 Building Credit for a Better Future...68 Cooperation Credit Repair...71 Avoid Going To Court...75 Collection Agency...77 Where to Get Credit Resources?...79 Do It Yourself Credit Repair...80 Defaults...82 Identity Theft Victims...84 Skipping to Build Credit...86

5 Cut Back Credit Repair Solution...91 Debt Counseling Solutions...92 Government Credit Repairs...97 Student Credit Repair Solutions for Building Credit Keeping Track to Repair and Build Credit Knocking Down the Debts with Credit Repair Requesting Payment Options to Repair Credit Laws in Credit Repair Lawyers are not always a Good Solution Reversing Credit Repair WARNING About Credit Repair Conclusion...125

6 Avoiding Complications for Home Owners (Return to Contents) Avoiding complications in credit repair is almost important as getting out of debt. When we have bills that were neglected because we didn't have the money to pay the bills, or we purchased items instead of paying the bills, we are in debt. In case you are considering a Home Equity Loan to get out of your current mortgage...don"t. Why? Simply because most Home Equity Loans get you deeper into debt and once you are obligated you will find out the problem is more complicated than when you applied for the loan. Lenders often target homeowners with financial difficulties offering them high interest rates and making them believe it is a solution for debt relief. In most cases, this is where foreclosures come in, or selling homes come into place. The solution is only an option to get you in debt deeper. One solution then is for homeowners to consider the Reverse Mortgage Loans. This type of loan is often as equity against your home, belongings, and so on. The loan offers a 'cash advance' solution and requires that the owner does not pay the mortgage until the end of the mortgage term or when the home is sold. Most lenders provide a lump sum advance, a line of credit, or else a monthly installment to the homeowners. Some lenders even offer a combination to the homeowners. It is indeed a good solution for repairing your credit and building your credit to a new future. The downside is that Reverse Home Mortgage Loans often are more suitable for the older generation of people that have built equity over the years in their homes. Another disadvantage is that almost all home loans require upfront payments, such as title, insurance, application fees, origination fees, interest and so on. Therefore, it pays to ask questions and shop around before taking out another loan to repair or build your credit.

7 Another option for paying off your debts and repairing your credit is to borrow the money from family members or friends. If you have someone that trusts you enough to loan you the money to get out of debt, it is often better than getting a loan. There are several options or questions you must consider before asking family members or friends to loan you the money to build or repair your credit. One of those questions should be obvious. Can these people afford to lend me the money to get out of debt? Are these people kind enough to loan you money without putting high demands on you? Of course, there may be interest involved, but remember they are loaning you money they could be spending on their bills. Is it possible that you can repay the loan without complicating your situation further? Can I repay the people that loan me the money to free myself of debt? How long do I have to repay the loan? Make sure there are no extra complications before asking friends or family for money to help get you out of debt. One of the best solutions for finding a way to repair your credit is searching the options to make money yourself. If you have a mortgage payment and struggling each month to make ends meet, you might want to sell your home. Many homeowners go for this option simply because they make more money in the long run. Once they sell their home, they are often able to repay their mortgage loan and then take out a loan for another mortgage more affordable. If you decide to sell your home to repair your credit and get out of debt, be sure that you look around for the best possible solutions to prevent further complications. Make sure you know how much is owed on your home before you set a price for resell. If any repairs are minor or major, try to repair them first before selling. If you can't afford to repair the home, try to do minimal repairs so that you can increase the price of the home you are selling.