Help With My Credit

A group of credit card issuers have launched a new Help With My Credit (HWMC) website to provide information and resources to assist you if you are struggling with your credit card payments.

The site is: http://www.helpwithmycredit.org

The toll free number that you may use to contact this group is: 1 866 941-1030.

The Help With My Credit site

At the site you may:

• Answer a series of questions and at the end of the questionnaire the site will provide information and contact information for resources such as credit counselors.
• Access the Learning Center that provides information about credit cards to help you on how credit works.
• Or access Resources & Links that provides links to tools such as a Credit Card Payment Calculator and to other resources to help you better manage your personal finances.

The Toll Free Number

If you call the toll free number, an operator will transfer you to a customer service representative for your credit card issuer or to a credit counselor if you have more then one credit card account in jeopardy. The operator will not serve as a credit counselor or collect any personal information from you.

Improve Your Credit 

Even before contacting Help With My Credit, you may want to improve your credit score, here are some things that you can do:

• Make sure your Credit Report is accurate. Request a current copy of your credit bureau report information and verify all information is accurate.
  
  Under the FACT Act amendments to the Fair Credit Reporting Act, you are entitled to one free Personal Credit Report in a 12 month period. To request your free annual report online visit: http://www.annualcreditreport.com,
  by phone call toll-free: 1 877 322-8228
  or by mail: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281
  
  or contact one of the three major credit bureaus directly:
  
  Equifax, Credit Information Services, Inc., Post Office Box 740241, Atlanta, GA 30374
  Experian, Consumer Information, Post Office Box 1909, Orange, CA 92865
  TransUnion, Post Office Box 2000, Chester, PA 19022
  
  Once you see your credit report, if there is any inaccurate information on your report, work with that credit bureau that provided you your credit report and correct that inaccurate information.
  
• Continue to make all payments on time, even if it is only the minimum payment for a time. Making your payments on time will help to establish a good payment history.
  
• Do not close old or paid-off accounts. Your old established accounts in good standing, even if they are not being used or only used in emergencies, will help to establish the length and history of your credit report.

In addition to the helpwithmycredit.org site you may also contact Consumer Credit Counseling
( http://www.consumercredit.com/ ).

The Consumer Credit Counseling organization will work with your creditors to help improve your credit situation and to help you avoid bankruptcy. There is no fee for their services. You may also contact them at their toll-free number: 1 800 388.2227. They may also refer you to one of their office in your area.

In addition, the National Foundation for Credit Counseling ( http://www.nfcc.org/ ) and the Association of Independent Consumer Credit Counseling Agencies ( http://www.aiccca.org/ ), offer free credit related information on their respective sites but there may be fees related the services of one of their credit counselors. Both organizations offer listings of their accredited credit counselors on their respective sites.

Copyright: Steven Presar

Back to RepairCreditAmerica.com opening

© Copyright 2009 All Rights Reserved
This site is maintained and hosted by Alliance Internet Marketing
This site is best viewed with Internet Explorer or Netscape versions 4.0 or higher