Category Archives: Do It Yourself Credit Repair

Your team at the Heritage Credit Group all agree: It is time to pay down your credit cards. Credit card debt is the most difficult to overcome for a couple of reasons, but there is a Simple Fix Formula:   There is very little to show for cc purchases in most cases.  An auto loan is... View Post
Perhaps there are no derogatory entries on your credit report; no late pays, no collections. You have one credit card and been paying it religiously for three years.  Your debt to income ratio is in range.  But your FICO score is still low.  Is there anything you can do to improve... View Post
The CFPB agrees with consumers:  Action needs to take place against illegal debt collection practices and it needs to happen now. Do you agree?  You will if you are one of the 77 million Americans who are hounded each year by debt collectors.  And now the Consumer Financial Protection... View Post
Bad Debt
Do Collection Agencies Play Fair? Most would say no!  In fact, one consumer made the observation that collection agencies are like a “Debt Thrift Store”.  They receive their “commodity” for next to nothing, just like thrift stores receive donated shoes for free. The difference is... View Post
Most consumers have become identity theft victims and are not even aware of it until a great deal of damage has been perpetrated. So if you think you have good credit, take another look.  You may be in for a real surprise.  With department store hacks and credit card fraud, the odds of being... View Post
Why the 5 Steps? These 5 steps are important because they will teach you not only to calculate your credit score, but to actually control it. You can always refer back to these steps in order to keep your credit profile fresh and accurate. Remember, addressing just one area may provide... View Post
Why the 5 Steps? These 5 steps are important because they will teach you not only to calculate your credit score, but to actually control it. You can always refer back to these steps in order to keep your credit profile fresh and accurate. Remember, addressing just one area may provide... View Post
Removing derogatory items on credit reports usually means sending “dispute letters,” and what a waste of time and money this process is. Let me explain: The credit repair “do-it-yourself” kits you can purchase explain this silly "dispute letter" process and will even give you... View Post