Bad Credit Services

Just cutting up your credit card does not constitute closure of the account. Make sure that you give the bank notice of the closure of the account by registered mail, requesting a return receipt of such notice. Ask the card issuer to close your account, and to issue an advice to the credit bureaus that the account was closed by customer . bad credit credit creditres

Pay off credit cards This shows that you use credit wisely, and are not spreading yourself too thin. Keep your credit limits and your outstanding balances down. Conservative use of credit is important both for your own good and for the promotion of a good credit history and score. Pay credit obligations on time The longer history of responsible use of credit, the better your credit score. The better your credit score, the better access you will have to low-cost financing from credit grantors. The less you pay in interest, the more wealth will be able to build over your lifetime. bad consolidation credit debt

WEALTH PLANNING Over 90% of South Africans can not afford to retire. Financial Fitness has assisted thousands of people how not to become a part of this statistic. The Wealth Planning course will show you a direct, concise and easy-to-follow path towards financial independence. Financial Fitness will demonstrate the specific choices you can make for financial freedom which will, in turn, give you more time to enjoy life. bad company credit repair

Specifically, the course covers to following topics: How to make time consistently work for you Decide between tax-deferred and after-tax savings channels Use the theory of decreasing responsibility to save money Where to get the best returns on investment Understand the keys to Unit Trusts success Protect your wealth while you are building it Achieve significant results in three months or less. bad card credit credit

Credit Health About Us Learning Centre Contact Us Affiliates Terms

There are two consumer credit bureaus, namely Experian and TransUnion. Settle your old `legal` debts for up to 40% less than the outstanding balance. Manage your money better, make better use of credit, and retire younger and richer! Get notified immediately of any changes made that affect your financial reputation. Take a quiz that rates your financial ability and find out whether you re a moron or genius. bad car credit loan

Learning Centre Welcome to our Learning Centre. Interested in learning more about your credit record, settling debts, or how Credit Health can assist you to achieve financial prosperity The Learning Centre has been created to get you up to speed with these topics. Please click on any of the presentations that interest you, sit back, and enjoy the learning experience. Introduction Your debts what to do about them bad credit loan mortgage

Managing your credit record finances About Credit Health Debt Settlement Plan Credit Health Report Why settle your debts Debt Settlement Plan Questions Answers Credit Health Monitor Debt Settlement Plan - an example Credit Health Manager There are two consumer credit bureaus, namely Experian and TransUnion. auto bad credit loan

Settle your old `legal` debts for up to 40% less than the outstanding balance. Manage your money better, make better use of credit, and retire younger and richer! Get notified immediately of any changes made that affect your financial reputation. Take a quiz that rates your financial ability and find out whether you re a moron or genius. bad credit mortgage refinance

How the Credit Health Monitor can help protect you from ID fraud for just R33 a month

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• You should KNOW when someone asks to see your credit record - because they must have your permission to do so. Okay, it ll be hidden in the small print of your application for a phone service/credit card/loan/store account ... but it ll be there, somewhere. If your Credit Health Monitor tells you someone s been looking - and you haven t recently ordered a new service/upgrade/new loan/store card/cell phone account etc. - then the person who s looking could well be a crook! bad credit refinance

• If payments on an account are being missed, the Credit Health Monitor will tell you. If you didn t even know this account existed, then it could be ID theft. Until you take action, it ll look like you re the thief! bad credit mortgage second

• The only other way to make sure you know what s going on would be to go to the two major credit bureaus, one by one, paying each time. The Credit Health Monitor saves you the trouble - as well as the cost! bad credit loan student

WANT TO KNOW MORE

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More information is available in the Learning Centre. Click here to view it. If you want to speak to a consultant for more details, call us on 0860 201 201. bad card credit

Protect yourself against ID fraud!

Identity theft is where a crook gets hold of your ID book and uses it to open accounts and run up big bills in your name. How does it happen bad credit financing

• They steal your ID. bad credit home loan mortgage

• They steal your mail. bad credit loan people

• They even go through dustbins! bad card credit credit people

• They bribe a corrupt official at the Department of Home Affairs to give them duplicate ID books (or better still, to sell them yours). bad credit guaranteed loan

• They fill in an application for a change of address - so you don t smell a rat on your account. bad credit refinancing

• They pretend to be a creditor or employer so they can get your credit report. bad credit equity home loan

• Say you apply for credit; they can get your details from an employee of the store - an inside job. bad credit loan payday

It takes an average of 14 months before people realize. How do you find out bad credit repair

• Your credit record starts looking bad. bad credit home loan uk

• You apply for a loan - and get turned down! 2nd bad credit mortgage

• People come after you for the money. bad credit loan unsecured

Whats your best defence bad consolidation credit loan

• Keep your personal information safe. bad credit home loan new

• Report a stolen ID immediately to the police, your creditors, and the SAFPS (South African Fraud Prevention Service) www.safps.org.za bad business credit loan

• Check that everything s okay by ordering your Credit Health Report for just R79 Bad Credits Bad Credit to order! bad credit lender mortgage

• Once your have your Credit Health Report, make sure you are the first to be told when something changes - for example, when someone applies for credit using your name, or someone asks to see your credit record - these could both be signs of ID theft. bad credit home loan mobile

• How can you make sure you hear about it right away Order your Credit Health Monitor which tells you about any activity as soon as it happens and costs just R395 a year - which works out to R33 a month. Fill in the form below to order! bad cash credit loan

Tell us a little about yourself First name Surname ID Number Email Address Re-type Email Address Choose a Password Re-type Password (Code) Number Home phone ( ) Work phone ( ) Fax ( ) Cellphone Physical Address Physical Code Postal Address Postal Code Step 2: easy payment options For your convenience, you can pay either by credit card or by direct deposit. For your peace of mind, we provide a Secure Payment Gateway, and constantly look for ways to enhance security. bad credit loan private

Direct Deposit

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If you wish to make payment for your Credit Health Report by direct deposit or EFT, please click on the Pay By Direct Deposit button below. Credit Card bad card credit debt

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Alternatively, you can make payment through our secure online payment gateway. Simply complete your credit card details and click on the Pay via Secure Payment Gateway button below. bad business credit loan small

Total to be debited: R395 Credit card number: 3-digit security code: Expiry date: January February March April May June July August September October November December / 2007 2008 2009 2010 2011 bad bankruptcy car credit loan

Credit Health Report TAKE YOUR FIRST STEP TO WEALTH WITH THE CREDIT HEALTH REPORT! WHY IS YOUR RECORD SO IMPORTANT TAKE BACK CONTROL Its the first step to wealth! IF THE CREDIT HEALTH REPORT" IS SO GREAT, WHY ARE WE GIVING IT AWAY FOR FREE WHOS GIVING YOU THE TRUTH ABOUT CREDIT WHY DO YOU NEED THE TRUTH ABOUT CREDIT SUBSCRIBE TO OUR FREE THE TRUTH ABOUT CREDIT NEWSLETTER FULL OF TIPS AND ADVICE ON HOW TO BUILD WEALTH!

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WIN AN IPOD NANO!

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You can only get your 25% discount off the standard price of the Credit Health Report by logging on to the Save Thru Spend Multiply website.

• If you have ever applied for credit then you have a credit record

• In South Africa there are two major credit bureaus who hold most credit records, bad credit instant loan

and Most people are registered with both but they hold different information. bad credit equity loan

• If you miss payments, it will start to cause trouble for you bad credit georgia home loan

• Its often wrong or very out of date, but .... application bad card credit

• You have no control

  over the information that is kept on you! bad credit home loan va

The Credit Health Report is the single most important step to help you take back control. Its the first step to wealth!

• To build wealth you must first know where you stand bad credit home loa

• Your credit records can be retrieved from the two major credit bureaus TransUnion and Experian bad car credit loan new

• Unfortunately, this means two trips and on top of this the information is not easy to read or make sense of bad credit home loan really

• The Credit Health Report, on the other hand, combines both these reports in a single easy to read format and even advises you on what you need to do next! bad credit fix

• If necessary you can take action with the help of our legal team (and its likely that youll save a lot of money in the process) bad credit down home loan

Get on track to your life goals! Apply now and youll have it within minutes! Itll take just a minute of your time ! TAKE BACK CONTROL Its the first step to wealth

• Its your financial reputation see what creditors are saying about you bad credit lender

When buying valuable or limited edition items people need to take additional precaution. Be sure that collectible items have a valid certificate of authenticity. Once the item has been paid for and delivered it will be extremely hard to refute this, says Quinton Cronje, Head of Marketing for Clicks. bad buy car credit

Check your monthly bank statements if you are a regular online shopper and check that each transaction correspond with the amounts you spent online, if there are any suspicious amounts report them immediately to your bank. All banks have 24 hour help lines, so dont wait, contact them immediately. bad bank credit loan personal

Make sure that your computer at home and work (and roaming laptops) all have up to date anti-virus software and that this is regularly checked and updated. If all of these steps are followed then online shopping should be hassle-free and fun. Enjoy! bad credit home loan purchase

QUICK TIP Ask your HR department about the security of their employee files. If stolen, they could be used to perpetrate ID theft against you or your fellow employees. QUICK TOOL Want NOT to become a victim of cyber fraud Read this article on password protection. Step 1: Evaluate the situation

Consider the answers to the following questions in order to gain a complete understanding of your situation: bad credit loan motorcycle

• Exactly how much do you owe right now bad credit help home loan

• Who do you owe it to arizona bad credit home loan

• When do you have to pay bad credit home loan motor

• Have you talked to the creditor or about options auto bad credit financing

• What are the consequences of not paying bad car credit loan used

• How soon will this crisis be over bad credit ct home loan

Step 2: Investigate your options

Our financial experts have outlined your options for most common types of financial crises: bad credit diego mortgage san

• Deep in debt If you have a steady income but have taken on too much debt, then you should develop a plan to pay off the debt over time. Alternatively, you may want to seek the assistance of a registered debt counselor who will be able to determine if you are over-indebted, and will work out a rescheduling of your debt. bad credit mortgage people

• Unable to pay small debts If you are unable to pay small debts such as medical bills and credit cards, contact the businesses directly to see if you can work out an agreement. In the case of a utility bill like you lights water or rates taxes, it may be okay to skip a payment in a crisis. Utility bills do not report to the credit bureaus and they only charge a small late fee. It is not a good idea to borrow money from a micro-lender to pay these bills. Instead, see if you can negotiate to pay in a few weeks or borrow from a family member. bad credit down home loan no

• Unable to pay large debts In the event that you cannot pay your bond, car or loan obligations, contact the credit providers immediately. Most credit providers have payment arrangement programs set up to help borrowers who are dealing with a temporary financial crisis. You should make every effort to pay a bond or loan payment on time during a financial crisis. Not paying on time can result in damage to your credit report and possible foreclosure of the vehicle or property. Consider using savings, borrowing from a family member, or reducing your expenses in order to pay your loans. Alternatively, you may want to seek the assistance of a registered debt counselor. bad company credit mortgage

• Legal debts in collections If you have missed several payments and the creditor has determined that they cannot easily collect their debt they often hand it over to collection attorneys or collection agencies. These collections agencies often purchase the debt and take cession from the original creditor. These types of debts become extremely expensive (about 40% per annum), and it is in you best interests to have Credit Health negotiate a settlement with your creditor or collection attorney/agency. This normally takes the form of a once-off settlement negotiation in which the creditor agrees to receive an amount that is lower than the outstanding balance in settlement of the debt. The balance is written off. bad credit home loan michigan

• Job loss In the event of a job loss it will be difficult to make ends meet unless you have an emergency fund set up. If you were retrenched you should see if you qualify for UIF, and should make your claim as soon as possible. You can also contact your creditors to explain that you are temporarily unemployed and to see what sort of payment options they offer. Start looking for a job right away to minimize the amount of time you are unemployed. You should reduce your expenses and, if necessary, borrow a small amount of money to get by until you find a new job. Even if you do have an emergency fund set up, find a job as soon as possible to avoid depleting your saved funds. bad credit home loan pa

• Illness When you or a family member falls ill, you may be faced with thousands of rands in medical expenses. Make sure that your medical aid is fully appraised of your situation, and communicate regularly with their accounts department to determine the status of your invoices paid or unpaid covered or not covered. Keep in mind that you are ultimately liable for medical bills even if your insurance should cover the expense. This means that an overdue invoice could be sent to a collections agency/attorney and could damage your credit record. bad computer credit financing

Step 3: Take action

There are several options available to help you manage a financial crisis and fund your necessary expenditure. bad credit mortgage second uk

• Savings Deciding to access savings during a financial emergency may seem like a bad idea, but it is actually a smart move in some situations. Although you will lose the interest on the withdrawn funds, you will not have to pay interest on funds borrowed. bad credit let mortgage

• Home bond If you are a homeowner and you have equity in your home, then this is the cheapest form of financing available. Having equity in your home means that the market value exceeds the outstanding balance on the bond. Most banks will allow you to borrow up to 80% of the market value of your property. So if your bond value is currently R200 000 and your home is worth R500 000, then you could borrow a further R200 000 in the form of a second bond. Remember to be very careful about borrowing money against your home. If you cant afford the repayments and you default this will likely result in the loss of your property to the bank. bad credit get home loan

• Friends and family You may need to turn to a friend or family member to support you during your time of need. This may be especially true if you have already been listed on the credit bureaus and you cannot get access to finance from the banks. They say that a friend in need is a friend indeed, and you can perhaps return the favour one day. angeles bad credit los

• Credit cards Although credit cards are a relatively expensive form of financing, it is one of the most readily available, and may be just what you need in the short term. Remember to pay off the money borrowed as quickly as possible after you have overcome your financial crisis. bad credit home loan non owner

• Overdraft This is a similar option to credit cards, with rates varying around 3 8% above the prime rate of interest. atlanta bad credit home loan

• Debt help Credit Health has an entire section of our website dedicated to debt assistance and services. Read articles about taking control of your debts and compare debt reduction solutions. bad credit loan signature

Remember that during a financial crisis borrowing money is only the short term solution. Ultimately, the only way to overcome a financial crisis is to raise your income above your expenses. If you take a step back and consider all the options available to you, you can take control of your financial crisis. Dont let a short-term money problem turn into a long-term nightmare. If you have questions about your situation and what services are right for you, contact our customer service team for assistance. auto bad credit refinance

QUICK TIP Consolidate old legal debts into one consolidation loan its cheaper and you wont have the stress of dealing with debt collectors. Assistance Credit reports: Inaccuracy can be costly

By Credit Health Your credit record is more important than you may realize and it holds increasingly more information about you. The name credit record is inaccurate as it contains information about not only your credit behaviour but also your marital status, number of dependants, address and contact telephone numbers, employment history, and qualifications. bad credit home loan ohio

This wide range of information is used to make decisions relating to employment, rental contracts, property leasing, school enrolment, credit applications and other risk based decisions. I evaluating how good or bad a credit or financial risk you pose, inaccurate and fraudulent information on your credit records could lead to costly increases in your rates. From what to look out for to correcting inaccuracies, the following tips show how you can keep your credit record accurate and healthy. bad credit home loan people

Tip 1:

Check your credit report regularly. Reviewing your credit reports from Experian and TransUnion every 6-12 months will help you catch inaccuracies and signs of identity theft early. Its also a good idea to check your credit reports at least 3-6 months before a major purchase. This early preparation will ensure you have time to make any corrections before they impact your offers. bad credit first home loan

Tip 2:

Know what to look for. Its usually easy to spot a late payment on your credit report, but there are other kinds of damaging inaccuracies that are harder to catch. Check the balances, date opened, account status, and notes for each of the accounts in your report to see if there is anything strange reported. Also check for inaccurate public record and enquiry reports. Even small inaccuracies, such as the number of credit enquiries done in the past month can have a dramatic effect on your credit score. bad colorado credit home loan

The Sheriffs estimated value for each of your possessions will be substantially less than the market value but as the goods ate sold on auction this is usually an optimistic assessment of how much will be paid for the goods. bad credit home iowa loan

Removal of attached items

Generally the Sheriff will not remove the goods they have listed until they have given the creditors attorney the list and obtained their instruction to proceed. The creditors attorney must usually request the Sheriff to proceed and provide the Sheriff with an undertaking to pay the Sheriffs fees. Once the Sheriff has this he or she will return to collect the attached goods and arrange for them to be stored pending their sale. Again, you can easily stop this process by making payment but until the judgment amount is paid the Sheriff will have no choice but to remove the goods. Once the Sheriff has removed the goods he or she will store them and you will have to pay the Sheriffs fees incurred in removing and storing the goods should you want the goods to be released (having first settled the judgment amount). bad credit home loan nevada

Sale of removed items

The Sheriff will normally arrange for the sale and give notice both in the newspaper and at their office. It is important that you settle the judgment debt before the sale as the sale cannot be cancelled unless you do so. Getting your assets back If you cannot raise the money to pay the debt you can arrange for family or friends to attend the auction and buy the goods from the Sheriff. It may well be worthwhile to do this as your friends and family may be able to buy back your goods at bargain prices and as the goods will then be legally owned by them they cannot be attached again by the Sheriff. Your friends and family can then loan the goods to you on terms you arrange with them. Be careful not to buy back these items from your friends until the account is settled as the Sheriff can attach anything you own and resell it. account bad checking credit

Putting your administration or sequestration behind you

By Credit Health Sometimes when your creditors cannot be paid and you have no other option your only choice is to be placed under Administration (where your debts are less than R50 000) or to apply to be Sequestrated. In both cases your creditors are entitled to receive payment of their debts or a portion of their debts depending on your financial circumstances. Once the creditors claims have been settled you can apply to be rehabilitated. bad credit history mortgage

In the case of Administration the rehabilitation normally takes place through the issue of a section 74U certificate but sometimes, where the Administrator is unwilling to issue the certificate, you have to apply for the Administration order to be set aside. This can also be done where the Administrator has failed to render proper accounts or to distribute your payments properly. You can also apply to have an Administration order set aside where your financial circumstances have changed for the better and you wish to take back control of your finances. Once the Administration Order has been set aside your creditors will be entitled to collect any unpaid monies from you by taking legal action. It is therefore important that you first ascertain what is owing to each creditor before you have the Administration order set aside. Doing this homework is crucial as you do not want to have to seek to be placed back under Administration because you cannot pay your creditors. Remember that your Administrator is entitled to a collection commission or administration charge equal to 10 percent of their amount collected. So this may be why many Administrators prefer their clients to remain under Administration rather than being rehabilitated and paying their creditors directly. Lastly, note that your Administrator is not entitled to hold back any monies from creditors and must give both you and creditors a full account at least quarterly and file this with the court. bad credit home mortgage

Sequestration, like Administration, results in a negative marker (called a notice) being added to your credit profile for ten years. This notice alerts creditors that you are not legally entitled to apply for or be given credit. Unlike Administration, when you are rehabilitated the notice is not completely removed and is simply changed to reflect that you have been rehabilitated. This rehabilitation notice remains on your credit record for five years from the date of rehabilitation, so the sooner you apply to be rehabilitated the better. Unfortunately the rehabilitation process is far more complicated when you are Sequestrated and your Trustee must give the High Court a report agreeing to the rehabilitation and setting out whether the claims made by creditors have been satisfied. Generally the rehabilitation of a sequestrated or insolvent estate requires that notice be given to all creditors and that advertisements be placed both in the Government gazette and local newspapers. The idea is to ensure that your creditors are not prejudiced by the application. Once all the papers have been drawn up your lawyer will have to appear and motivate reasons for the court to grant the rehabilitation. Provided at least two years have passed since you were declared insolvent, the court may issue a rehabilitation order. bad credit loan personal

As explained above the rehabilitation order reflects on your credit record for five years and is then removed. However, as soon as the rehabilitation order is granted you are legally entitled to apply for and be given credit. It is important to note that many creditors will not grant you credit immediately and will wait until you have built up a positive payment profile. bad credit credit creditres

The sooner you begin the rehabilitation process the better. That said, you should only make application to be rehabilitated when your financial position has improved. Take maximum advantage of the legal protection afforded to you by the court and ensure that you are able to meet your financial obligations. Once the rehabilitation is granted you should congratulate yourself on surviving this ordeal and resolve to ensure it never happens again. Whatever you do, try not to find yourself in the same position as you may be labeled a serial insolvent and barred as a fraudster from the financial community. bad consolidation credit debt

Getting ahead Overcoming challenges Planning for retirement

Learning Centre About Credit Health Credit Health Manager Debt Settlement Plan - example Debt Settlement Plan - Q A Why settle you debts Top 5 Questions bad company credit repair

1. Why should I repay my debts
2. What are my options when settling old legal debts
3. Whats the difference between current debts and old debts
4. Can the National Credit Act help me deal with my creditors
5. What are my rights as a debtor

Contact Us

Search or browse for solutions, or select the appropriate category below and click the Continue button to contact us. bad card credit credit

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How do I settle my debts Clearing my credit record Consolidation loans Repaying debt and building wealth The Debt Settlement Plan Im being chased for money by my creditors. What are my options Getting ahead Overcoming challenges Planning for retirement

Learning Centre About Credit Health Credit Health Manager Debt Settlement Plan - example Debt Settlement Plan - Q A Why settle you debts Help us help others ... and make money! The Credit Health Report is the first step towards getting back on track to your goals. bad car credit loan

Thats because the Credit Health Report puts the control back in your hands. As a member of the public, the credit bureaus hold information on you that may be incorrect or out of date and which can affect your chances of getting a bond or car finance or any other kind of loan. Yet you may not even be aware that this information exists, and you certainly have no automatic right to see whats being said about you! bad credit loan mortgage

The Credit Health Report changes all this. By getting the information to you in an easy to read format, you can start to take steps to correct your position and take control. If necessary, you can settle outstanding debts with the help of our lawyers, which means you will almost certainly pay a lot less than theyre demanding from you! And well handle the demanding letters and phone calls giving you some peace as well as peace of mind! auto bad credit loan

Our team of lawyers becomes YOUR team of lawyers, giving you a voice against the big retailers and banks and their armies of lawyers and debt collectors. We can help you clear your credit record and make it work for you, not against you. bad credit mortgage refinance

If you havent already ordered your Credit Health Report , order

here ! Help us help other people take back the power and make money at the same time! If you think other people would benefit from knowing that: bad credit refinance

• Credit bureaus have information about them whether they know it or not bad credit mortgage second

• This information may be incorrect or out of date and they dont even know it! bad credit loan student

• It could stop them getting a bond or car finance or any kind of loan bad card credit

• They can get their own team of lawyers to clear their record and settle outstanding debt for much less than they think! bad credit financing

.. then help us to help them by simply completing a few details below and then cutting and pasting the link below onto your site. bad credit home loan mortgage

For every person who orders a Credit Health Report through your site, you get R39! Its easy, it takes a minute or two of your time, and thats it no more effort required!

1. You need a website. bad credit loan people

2. You need to complete the information below and click to send it through. bad card credit credit people

3. Then simply cut and paste our link onto your website (see below). bad credit guaranteed loan

4. Thats it! For every person who clicks the link and then orders the Credit Health Report you get R39! bad credit refinancing

5. The first time someone orders, you get refunded for your own Credit Health Report ... bad credit equity home loan

6. And from then on, its money in your pocket! bad credit loan payday

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