No More Excuses; Fix a Credit Report for Free

CreditRepairPlan.com offers free do it yourself credit repair information to consumers. No more excuses, fix credit history yourself today.

(PRWEB) July 27, 2006 -- Creditrepairplan.com announces it is offering credit repair for free, that’s right, free. No cost, no obligation and no more excuses not to fix your credit yourself. Credit bureaus often make mistakes within credit reports. Some studies have shown that as many as 70 percent of credit reports have some kind of error on them.

“Who pays for an error on your credit report? You do,” says Kim Kellish, owner of creditrepairplan.com. Ms. Kellish went on to say, “The credit bureaus know that there are errors and it is not always their fault. They report what is reported to them, so if an error occurs at the original creditor then it is on your credit report. This can and does cause significant negative effects on your credit score and you are then perceived as a higher risk to future lenders. When, in fact, that may not be the case at all.”

Many of these errors are easy to fix, getting the message through to the credit bureau is a different story though. Many times the “big three” (Equifax, TransUnion and Experian) dismiss your attempt to remove negative information on your credit report. “The problem is you have all of these credit repair firms out there that just bombard the credit bureau with frivolous or numerous requests to remove information from your credit report. These firms just turn out hundreds of dispute letters everyday and ruin it for the person who has a legitimate error that should be removed,” Ms. Kellish said.

These “dispute mills,” as they are referred to, charge huge sums of money to rid people of negative items on their credit report. “The facts are you can do the same thing on your own and not pay someone hundreds or thousands of dollars for little to no results. We decided to offer our program for free and we radically changed our, already successful, business plan to help more people. We decided people had too many excuses not to fix their credit report, making our information free eliminates one of the biggest excuses, ‘I do not want to pay anyone for anything’ and now you don’t have to,” Ms. Kellish said.

In July of 2006, creditrepairplan.com switched to an advertising business model instead of charging people for their information. “We felt that the consumer could benefit more from our information if we made it free and instead charge companies for advertising on our web site. It just made sense now we offer our valuable service for free and we now offer our clients ads that are relevant to their actual needs. Now we can deliver the companies that can offer credit monitoring services, so you can track you results, protect yourself from identity theft or try to rebuild your credit through getting new credit,” Ms. Kellish said.

Fixing your own credit is not rocket science and it can be done. Creditrepairplan.com asks the question; “why pay when you can get the information for free?” People now have the tools, at no cost, with all the information they need in one place, all that is left is to take the first step and log onto creditrepairplan.com, with a little effort people can be on their way to credit recovery.

###