after 10 years or so, i’ve finally decided to purchase a real domain name for the arin’s attic credit repair section!   so welcome to http://www.freecreditfixes.com   same credit repair information, same price… free!

Would you like to own a home some day?  Buy a car?  Rent an apartment?  Have you had difficulties obtaining these things, or others, due to bad credit?  Well, there is hope!  You can repair your credit… yourself!

“Bad Credit?  NO Problem!” offers are available everywhere, but unless you take steps to keep your credit rating on the right path, you run the risk of costing yourself money… the very thing you can least afford!  High interest rates (like with those “Bad Credit?  NO Problem!” offers) cost YOU.

For Example:

Suppose you wanted to buy a $20,000.00 car and pay it out over 48 months.  With good credit, they may be offering a 6.5% interest rate (sometimes much less!), meaning you’d pay approximately $2700.00 in interest over the life of the loan.  *However*, with bad credit, they may offer you an 11% interest rate (sometimes MUCH higher!), meaning you’d pay approximately $4800.00 in interest over the life of the loan!  That’s a big difference!

For those with bad credit ratings: DO NOT FEEL ALONE!  In 2005, approximately 2 million households filed for bankruptcy, so a lot of us have been in your shoes.  There are many reasons why you may find yourself in this situation – divorce, medical bills, lost job, the “ignorance of youth”, etc. 

Your first reaction may be to stick your head in the sand and ignore your credit situation.  DON’T DO IT!  I know how discouraged you can feel, but it’s important to do whatever you can NOW to get back on the path of good credit.  Depending upon the severity of your credit problems, it may take weeks, months, or, sadly, years to successfully repair them; however, it CAN be done.  And more importantly, you can do it YOURSELF.

Is it possible to have too many credit inquiries showing on your report and, if so, can you have them removed?

I was told that my letters to the Credit Bureaus must contain the specific law that required them to remove disputed items that cannot be verified. Your letters do not state the laws in them. Do you know if this is necessary?

I am trying to buy a house and I have a bankruptcy and an item in collections. Is it possible to clear that up?