More than 30 million have credit problems cause by everything from late payments to bankruptcy. The American Bankruptcy Institute reports that, The number of bankruptcy cases filed in the 12-month period ending September 30, 2005, totaled a record 1,782,643.
Whether its brought on by personal illness, the loss of a job, or overspending, credit problems can seem overwhelming. To ease the financial pressure you can always,
Fill out a change of address card at the post officeand then dont move.
Ask the IRS to take you off their mailing list.
Marry your car. Assuming your car produces no income and you file jointly, you can save up to 50% on your taxes.
If you want a more serious approach to credit repair, here are three things you can do.
Clean Up Your Record
No one can legally remove accurate and timely negative information from your credit report. Details about missing a loan payment, defaulting on a mortgage, or filing for bankruptcy, stay in your history for 7-10 years. The only thing that can erase such mishaps is time.
What you can get removed from your report are errors that could result in your receiving a bad...
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