Welcome to Debt Zero, for Debt Management, Debt Relief and Credit Repair Information

Featured video - "Credit Card Debt, Bankruptcy,& personal finance for doomers" - controversial opinions on debt and bankruptcy options

Latest Debt news and articles -

Legal Credit Repair Methods
To better understand what legal credit repair is, it would be helpful to understand a few types of illegal credit repair...

The Law is on Your Side
Many consumers have the mistaken idea that credit bureaus are federally supported organizations backed by a vast array of laws meant to protect creditors. Nothing could be further from the truth. Aside from the government simply recognizing the need for credit reporting, credit bureaus have absolutely nothing to do with the government. Credit bureaus are simply huge bureaucratic companies which exist for the soul purpose of making money by selling information about you-information they never bothered to verify...

How Bad Credit Affects You
Very few things in life can have a more devastating effect on your lifestyle than a poor credit score. A low credit score can cost you hundreds or even thousands of dollars per month...

Getting Married? Manage Your Debt and Credit
Many people planning to be married take time to reexamine financial priorities, set a new budget, and establish savings or debt reduction goals. Being credit-wise consumers means realizing that managing your credit requires similar planning and care-and doubly so when you are entering into marriage...

Can Consumers Fight Back Against Credit Fraud?
In this age of information, credit fraud is not a difficult crime to perpetrate. The idea that a thief could gain access to your account information or personal data is not as implausible as you might think--social security number misuse has increased over the last two years, resulting in a variety of credit-related crimes...

Repairing Credit Yourself
The Fair Credit Reporting Act gives you the right to dispute any and all items on your credit reports that you feel classify as inaccurate, unverifiable, or misleading. If the bureaus can not verify that the information on your reports is indeed correct, then those items must be deleted...

How Credit Reports Work
Frequently asked questions, and answers, about how Credit Reports work...

Five Reasons to Check Your Credit Report Regularly
In much the same way that a resume displays your work experience to a prospective employer, a credit report provides prospective creditors (and in some cases employers and insurers too) with a detailed picture of your credit history. And like a resume, your credit report can influence whether you will receive what you are applying for...

Applying for a Loan? Start by Ordering Your Credit Report
If you are considering applying for a loan, ordering a copy of your credit report may well be the best place to start. Why? Because it’s also the first thing a potential creditor will be looking at, and even if you pay your bills on time, you will want to ensure that all the information in your credit file is up-to-date and accurate...

The Fair Credit Reporting Act (FCRA)
This is a summary of the FCRA. The full Act can be obtained directly from the Federal Trade Commission's web site

Does Credit Repair Really Work?
Common questions, and answers, on the subject of Credit Repair.

Understanding Your Credit Score
This rating system is meant to develop a snapshot of the risk you currently represent to a lender. Several parameters in your credit file, including length of credit history, number of open accounts, loans, mortgages, public records, and others are formulated to produce a three-digit score between about 300 and 950. There are other scores used by lenders and insurance companies (some of which are developed by FICO®) such as Application and Behavior scores. These other scores take other information into account...

Common Myths about Credit Repair - Questions and Answers
There are many myths around about Credit Scores and Credit Repair. Find the real answers to your questions here.

What is a Credit Report?
Whenever you apply for any type of credit or financing, a credit report is pulled from at least one of the three major credit bureaus. While there are hundreds of smaller credit bureaus around the country, virtually every credit bureau is affiliated with Trans Union, Experian, or Equifax. These credit bureaus collect and maintain information on the vast majority of Americans, but they are not affiliated with the government in any way. The credit bureaus are for-profit corporations that sell your personal information for money.

Can You Trust Credit Repair Companies?
Many "credit repair" companies claim to remove negative credit with the flick of a wrist. Their advertisements make bold assertions and money-back guarantees: "Bankruptcy, tax liens, judgments... no problem!! One hundred percent guaranteed!! Credit report 100% cleared in 30 days!!" Can they really make such sweeping guarantees?

Can Bad Credit Really Be Deleted?
Yes, it can. Despite the fervent proclamations of bureaucrats and credit bureaus everywhere, a simple fact remains: negative credit listings are deleted from peoples' credit reports by the thousands each and every day.

Credit Repair - Clean Your Credit Report
Credit repair - it is possible to clean your credit report and improve your credit score, using a credit reporting and repair service.

Credit Card Debt Relief Options Explained
Credit card debt relief continues to be very much in need today as Americans wage an ongoing fight with credit card debt. Debt Relief explains the credit card debt relief bailout available today.

Do it Yourself Credit Repair Vs. Using a Credit Repair Service
The current state of our nation's economy has many consumers reevaluating their financial situation and seeking ways to improve upon it And while the need for credit repair is garnering increased awareness (after all, it can help consumers acquire better rates on home mortgages and car loans, and even affect employment opportunities), how to go about repairing your credit can be a frustrating, bewildering and downright overwhelming process

Exciting First Ever Credit Repair Industry Live Bootcamp Will Make History by Being the First Event of its Kind
The Credit Repair BootCamp has been announced by credit repair business leaders to help educate individuals on how to start a credit repair business. Anyone that is even remotely considering entering the highly profitable credit repair business industry will immediately benefit from attending this history making event. Information that was once secretive will be shared with all attendees. Credit repair industry leaders will spill their guts, and let all of their insider secrets out to a limited number of attendees at the first ever credit repair bootcamp for the credit repair business industry.

Credit Repair Now is the Time!
A Changing World Credit repair is the process of cleaning up your credit report and optimizing your scores Credit repair has never been so important

How to Get Great Credit Repair Results
Credit repair, like any system of self-improvement, is a multi-dimensional discipline If you do it right you will see amazing results

The Gift of Credit Repair
Credit Repair Just For You The holidays are a time of giving, and a time for reflection If you have credit issues credit repair might be the perfect gift to give yourself

Credit Repair and Achieving Financial Security
Credit Repair is About Financial Health Credit repair, in the final analysis, is about your financial health You may start a credit repair program with concerns about the accuracy of your credit report, but in the end the real benefit of healthy credit is money in your pocket

Credit Repair in Todayýs Economy
Credit Repair, Now is the Time Credit repair is more important than ever Creditors have tightened their guidelines, effectively barring millions of Americans from borrowing money

Debt Management - Latest News and Information

• Get tips on debt management - Grand Forks Herald
• How Debt Consolidation Can Build Your Credit - PRLog.Org (press release)
• Securing a Debt Consolidation Loan - Electro Articles (blog)
• Credit Card Debt Relief and Consolidation Programs Helping Many Today - Marketwire (press release)
• Are debt consolidation firms the right choice for you? - The Star-Ledger - NJ.com