Fix-My-Poor-Credit.com Home Page

OK, let's face it. You have poor credit. It doesn't really matter if it's your fault or not, because you get punished the same. Run into tough times for a month or so like so many of us do and you end up with negative marks on your credit report for up to seven years!

These derogatory marks on your credit can cause you to pay higher interest rates on your credit cards, auto loans, mortgage (if you can even get one now!) and higher costs for insurance for a long time. What's even worse is the information your creditors are reporting to the credit reporting agencies may not even be true. A 2004 PIRG report shows that 79% of ALL credit reports contain errors.

Would it surprise you to know that the credit reporting agencies are SELLING incorrect and unvalidated information ABOUT YOU to the very people and companies who make important financial decisions that can drastically affect your life and livlihood. Don't be surprised because it's true!

Want to try to dispute the incorrect entries yourself. Go ahead. Anyone can dispute the incorrect information on their accounts. Think you will be successful? Maybe you will be one of the few lucky ones who really understands the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and all the other federal and state consumer protection laws that are in place to protect the unwary consumers from the games the creditors, collection agencies, and credit reporting agencies play! But probably not.

The sad truth is that you CAN NEVER WIN a game

if you don't know the rules.

Another sad fact is that every year, unknowing consumers needlessly pay debt collectors tens if not hundreds of MILLIONS of dollars that they cannot legally collect due to threats of garnishment, judgements, liens and even humiliation. How much have you thrown away so far?

Having poor credit stinks! You can pay

thousands of dollars more in

interest and finance charges than someone

with good credit. I can hear you

right now saying...