There is a loophole on Experian's, Equifax's and Transunion's websites that allows people to see their credit report for free and dispute anything on it.  You just have to go to each site, click on the link to dispute an item.  The only credit bureau that gives you problems is Experian, you have to have a credit report number to view your credit report and dispute it.

You are only supposed to get free credit reports once a year through annualcreditreport.com, but this allows you year round acc...
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I hear it all the time.  Someone asks a question on a forum, blog, or question site like "How do I improve my credit score" or "How do I remove bad credit".  Without fail you will see some "financial expert" saying "You can't remove bad credit off your credit report" or "There is nothing you can do to improve your credit score, it just takes time."

These statements couldn't be further from the truth.  I don't even know why these "experts" think that.  The Federal Trade Commission, yes I said F...
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People always want to know how to improve their credit scores and if credit repair tips and tricks actually work.  Well, they do.  Take a look at 700 Credit Score, amazing how fast you can raise a credit score.  Just using simple credit repair tips.  Essentially just working on the 5 areas of your credit score:

1. Payment History
2. Credit Length History
3. Debt to Limit Ratio
4. Credit Diversification
5. Credit Inquiries

Working on these 5 areas you can quickly see improvements.  This is what FICO uses to calcul...
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It is so rewarding to see people use the site and learn from my questions and answers.  I know the feeling of raising your credit score and it is almost like Christmas or your birthday when you get updated credit reports in the mail.  Every deletion is an awesome thing.

I sometimes hear back from people that have used the site and they tell me how it's going and how much it has helped.  That makes all the work worth it.  So thank you.

Here is story from a guy improving his credit score and used...
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Found the ultimate credit repair guide.  It offers a lot of info, samples, and services for free in a very user friendly format.  They do recommend Lexington Law Firm to remove your negative items but you can do it yourself too.  They also show you how to do that.

You can see how to diversify credit, increase credit, reduce debt, and remove negative items and inquiries.  Very good info for anyone that is in the credit improvement field.

Hope everyone can take advantage of this site and I'm sure...
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With the housing market slump and bubble bursting, it has become more important than ever to have a high credit score.  Lenders don't want to get caught with anymore foreclosed homes and can't afford it.  So they are watching who they lend to. 

700 credit scores have become a minimum for any home loan and that is with a big down payment.  Now with the new credit card laws, starting interest rates on credit cards are much higher because the companies can't raise them later, so they raise them ...
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So with a lot of advice and Q&A sites out there, how do you know you can trust the source?  Most of the time like on yahoo answers you have a bunch of random people giving you advice or spamming you with their agenda.  Sometimes when looking for answers, I would have to scour forums and blogs to find what I'm looking, then test it to make sure it is correct.

Everything I have put on my site has sources and info to back it up.  So not just me (credit expert to toot my own horn) but a slew of ex...
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I've had some questions on the name of my site - creditjerk.com.  To be honest, I'm not sure about it either.  I'm not a hater or someone I consider to be a jerk.  But some people might say I'm a cynic or that I don't sugarcoat things.

I take things how they are with no bs and I hope to get the same back.  Kind of the point of the site, no more lies, no more myths, just stone cold hard facts.  No curve balls, just trying to tell it like it is.

It can be frustrating to someone who has never done...
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Getting the CreditJerk website going.  I've entered some Q&A sections with credit questions and answers.  These are the most asked questions I've seen and I'm compiled them all in one place.

I'm sure it is frustrating for consumers who are looking for answers to their credit questions to have to go to all these sites looking for answers.  Many times you get answers from random people or people with agendas that don't know what they are talking about.

I've also put a question form on the front p...
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I'm posting any new interesting and funny news on my front page.  I just put up the Saturday Night Live skit with Steve Martin about how to get out of debt.  Very funny and true, people don't know how to save up for things.  We have become a please me now society.  Right on point with that video.

I also posted a couple articles I found on yahoo and cbsnews.  One talking about credit reporting errors, another about how much a late payment affects your credit score, and another about how everyon...
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This is huge!  For the first time the credit scoring people are letting us in on how they decide our futures.  Why haven't they done this before?  It still is pretty much pay your bills on time or you will pay mentality.

Surprisingly, you take more of a hit to your score if you have a higher credit score.  Which doesn't make any sense to me.  ~I guess if you have good credit and pay your bills on time, you should be punished more for being late~.  Yeah, that doesn't make any sense.

So one 30-da...

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So I'm not really sure where this site and this blog is going, but Credit Jerk is here.  I am a typical American.  I've had my fair share of financial problems, including credit card debt, hospital bills, and bills I forgot about, oops.  Sometimes I forgot, sometimes I just didn't have any money.  Like most people I don't like to work, that can be a problem when you need money.  I get by though.  I work enough and try to find something I enjoy doing to get the bills paid, so I can enjoy life....
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