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Hi Julie, I've worked with hundreds of clients over the phone and internet - I definitely understand that some people just want to go online and find the info themselves. I have always referred clients with credit issues to www.myfico.com - they do offer paid services, but they have a TON of information regarding what goes into their scores, myths vs. facts of reprecussions of pulling credit, etc.
Hope this helps!
I'll first say that I ALWAYS try to get people to use a credit repair service- when they go it alone, they do it 'when they have time' and it takes forever. When they pay someone to help, they move along much quicker & it benefits them in the end.
That being said, creditinfocenter.com is an incredible place to learn everything and anything about credit, including credit repair - there are templates and step by step instructions for nearly any scenario, all at no cost
I suggest people check out the information and advice on the Federal Trade Commission website, http://www.consumer.ftc.gov/, and the CFPB (Consumer Financial Protection Bureau) website, http://www.consumerfinance.gov.
Here's an FTC article about repairing your credit:
And one from the CFPB on getting and maintaining a good credit score:
I hope these are helpful!
Check with a trusted lender.
I will connect them with the credit repair specialist - or even a lender can help.
I don't know.
I have few pamphlets for this.
parked and reading....
I am glad I read this question. John has great information.
Gee Julie, I would much rather find a local loan officer that knows what they are doing than refer them to someone they can't look in the eye.