CreditMania - Credit Repair and Restoration Portal

Start Your Journey Here!

Remember...knowledge is power. You must become informed. You must know where you stand. You must become armed to do battle with your credit history. Here is the list of how to begin.

#1 Get your credit reports. There are three major credit reporting agencies. Please get a copy of each. For info on this click here.

#2 Go over the various documents we offer as examples on this site. These documents include cease and desist letters, letters of dispute... and more. We suggest you read about your rights under law. The FCRA

#3 Begin applying for Sub-Prime Credit Cards. Choose a couple. We know this sounds contrary, but you do need to get a positive of line of credit started. These folks can help.

#4 Get involved in our credit repair discussion group. This is where the rubber meets the road. We have started a new forum with better security. If you don't see what you need, please post and we'll be sure to respond!

#5 Finally and most importantly, begin to get control of your personal finances. This includes creating a budget, savings, and maintaining your checkbook accurately.

Don't Miss This!
New CreditMania and Personal Worth Community
People helping people live life richly! CreditMania has the tools for success and our new community will offer you the motivation to make the success permanent. Visit us today - Click Here

Barry's Blog Bits!
8/29/06 - Capital One Credit Card - What's in your mail box?
8/25/06 - Ford Motor Goes Sub-Prime? Great Financing Deal!
8/22/06 - Repairing Credit & Using Credit? At the same time!
7/24/06 - Does your garden grow? Seeds of Credit Repair
More Click Here

Get Your Credit Report - Step 1

If you have been denied credit in the past 60 days you are eligible for a free copy of your report. Many times it is just easier to go ahead and order your report. Go to these various credit reporting websites, and see if you qualify for a free report.

Getting your report will mean you are becoming informed. In most cases the reports will come to you within 10 days of request. Once you have the report to review, you need to look it over thoroughly. Find the most obvious errors and circle them, such as name, social security numbers, or address. Next get a highlighter and begin shading items that are inaccurate, such as accounts that aren't yours, accounts reported in error, account amounts not accurate etc.

Once this is completed go to document mania for the next step.

Getting Your Credit Files Online...

Experian
NCAC
P.O. Box 9595
Allen, Texas 75013
(800) 583-4080
Cost: $8.00
Click Here

Trans Union
P.O. Box 390
Springfield, PA 19064
(312) 408-1400
Cost: $8.00
Click Here

Equifax
P.O. Box 105873
Atlanta, GA 30348
(800) 685-1111
Cost: $8.00
Click Here

By law you are allowed to1 free report per year!
To Get A "3 in 1" Report Online Click Here

Your Rights Under The Fair Credit Reporting Act:
excerpted from an FTC article

You have the right to know all the information in your credit report, including the source of the information in most cases. You have the right to know the name of anyone who received your credit report in the last six months. You have the right to a free copy of your credit report when your application is denied because of information supplied by the CRA. Your request must be made within 30 days of receiving your denial notice. You have a right to add a summary explanation to your credit report if the problem is not resolved to your satisfaction. You have the right to dispute inaccuracies in your report. The CRA must respond to your request within 30 days.

Any company that denies your application must supply the name and address of the CRA they contacted, provided the denial was based on information given by the CRA. In addition, a CRA must investigate the validity of credit report information when you contest the information in writing.

CRA=Credit Reporting Agency

For a complete listing of the FCRA click here.