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Credit Repair - Additional bankruptcy alternatives might involve getting a debt consolidation loan to pay off your high interest credit cards. A debt consolidation loan lowers your monthly payments and this could be a great way to avoid bankruptcy.
Credit Repair - After the holidays when all your friends and relatives are fresh in your mind, make a list of everyone you want to purchase a gift for and keep the list in an easy to reach place like a purse or wallet, as you find good deals and sales throughout the year, pick up that person's gift and put it up until the holiday season. In December, you'll have the majority of your shopping done and you won't feel the sting of holiday shopping as most people do.
Credit Repair - All of these systems can be used to predict your creditworthiness and they all run off the same point basis. The scale generally runs with a credit score from the mid-300s to a credit score with the mid-800s. Your numbers may vary by up to 60 points from one scoring program to another but your credit score should remain in roughly the same range.
Credit Repair - Also, banks will have to tell you if they are giving you credit at less favorable terms based on your credit score and alert you if they report any negative information about you to the credit bureaus.
Credit Repair - Although the free credit report provisions became effective in December, the credit reporting agencies had nine months to implement the service, rolling it out from west to east, so that people on the west coast were able to start obtaining their free credit reports first, then those in the midwest. Now, as of September first, the east coast is online too, and with this final third, everybody in the United States is now able to obtain a free credit report.