Credit Score Repair

Bad Credit? No credit at all? Can't get a home loan or car loan because your credit score is low? We can help. WantMyCreditBack.com is your complete credit repair resource to fix bad credit and raise your credit score whether you want credit repair self help or a credit repair agency to assist you. Our credit repair product reviews and credit tips will have you well on your way to a higher credit score...fast!

Bad Credit Is No Laughing Matter

In today's world where an ever increasing importance is being placed on your credit history and credit score, it's more crucial than ever to understand the system and learn what you can do to manage and repair your credit.

In reality, the law is on your side when it comes to taking control of correcting mistakes on your credit report, clearing things up when fraud happens, or even dealing with debt collectors.

Three signs you are in need of credit repair

Is 24 hour credit repair possible?

Bad Credit Repair - 7 Secrets

5 Reasons to Improve Your Credit Score

3 Reasons Why you should know your credit score

Secrets to Fast Credit Repair

Online Credit Reporting Services

Credit Bureaus
Equifax
Experian
TransUnion

Many more aspects of your life are being affected by your credit score than you might have imagined. Raise your score, and you may well raise your standard of living through lower interest rates, a better job, and a more affordable lifestyle. But how can you repair your poor credit rating There are many options, ranging from credit restoration companies (some of whom are reputable and affordable) to do-it-yourself plans. You owe it to yourself to look at all the options, and then to take action.

Learn how you can gain the upper hand when it comes to repairing your credit!

So How Much Does Bad Credit REALLY Cost?

Let's face it, a large portion of our financial transactions depend on having good credit. While the whole system itself is incredibly flawed, we have to work with it. Unfortunately bad credit can ultimately cost in the hundreds and sometimes thousands of dollars per month.

Credit Card Interest

Low interest credit cards become almost unattainable when you have bad credit. The credit cards out there which do cater to bad credit are often insane to even use because of horribly high fees and interest, Most of them only have very low credit lines and some do not even report your activity to the credit bureaus, which makes it an even bigger uphill battle when trying to make progress with your credit.

High Interest Car Loans

When you buy a car and finance it with bad credit, you're likely going to pay $1000's more than you would vs. a low interest loan with good credit.

While a slightly larger monthly payment usually doesn't sound like much, just have a look at how high interest on an average car purchase can add up:

$20,000 car paid over 5 years:
CREDIT STATUS	RATE	PAYMENT	COST OF BAD CREDIT
Perfect Mildly Damaged Damaged	10% 14% 20%	$424.94 $465.37 $529.88	$0.00 $4,722.54 $8,593.30

Sub Prime Mortgages

Having to settle for a subprime mortgage loan when you have bad credit pretty much dwarfs any other costs. If you are purchasing a home or considering refinancing, that is the most critcial time of all to work on repairing your credit report.

If you think high interest car loans are costly, the following figures might shock you:

$100,000 home paid over 30 years:
CREDIT STATUS	RATE	PAYMENT	COST OF BAD CREDIT
Perfect Mildly Damaged Damaged	7% 9% 12%	$655.30 $804.62 $1,028.61	$0.00 $50,155.24 $130,791.63

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