credit repair: A 522 Credit Score can get approved for a Loan?! - 04/15/15 04:30 AM
Wednesday Q & A
On Wednesday Q&A this week, Joe gives some excellent advice on Loans and Cedit Cards. He answers the question, "How can I get a loan with a 522 credit score? I have never had a credit card. I need a loan or a creditg card." Found out the possibilities of secured or unsecured loans and how to avoid those high interest rates!   

credit repair: Will paying off an installment loan help my credit? - 04/01/15 02:49 AM
Wednesday Q & A Will paying off my installment loans increase my credit score?



credit repair: Dealing with a mixed credit profile - 03/24/15 08:06 AM
Wednesday Q & A
This week on Wednesday Q&A we address what is known as a "Mixed Credit Profile" or what happens when your credit profile contains the information of someone else!   

credit repair: Dealing with Multiple Inquiries - 03/23/15 03:19 AM
Wednesday Q & A
This week on Wednesday Q&A we discuss the impact of multiple inquiries!   

credit repair: Rage Against the Machine - Credit reporting nightmare - 03/23/15 03:10 AM
Who would have imagined that damaged credit could start with something as simple as returning an item to the store?  When Nicole Berstecher returned a non-compatible speaker to a national electronics store, it was promised that the credit would be returned to her store rewards card.   Instead, a year later, she received a collection notice for nonpayment of the high-end stereo. 
Although there are measures in place to ensure consumers are alerted to claims, and laws have been passed to ensure reasonable investigation by the Credit Reporting Agency (CRP), many of these cases slip through the cracks.  By the time … (0 comments)

credit repair: Tips to Help Eliminate Debt - 03/31/14 05:55 AM
While a credit repair service can help your score a bit by making sure your credit report is accurate, to continue on your road to impeccable credit, it is important to eliminate your debt. There are many systems out there to help you do this, but here are a few great tips to help you on your road to eliminating your debt:
         Keep a running tally of all debts, taking note of how much you eliminate every month. Seeing an overall drop in your debt will keep you motivated to keep chipping away at the individual debts … (0 comments)

credit repair: Unexpected Effects of Poor Credit - 03/05/14 04:07 AM
Everyone knows your credit rating can affect things like getting approval for home or auto loans and interest rates on loans and credit cards. However, there are so many other things that can be affected by poor credit rating and credit history.
·         Security deposit on utilities. Utility companies usually require those with poor credit to make a deposit to ensure you pay your utility bills. If you are setting up multiple utilities at the same time (as you would do upon moving into a new home), you could be looking at hundreds of dollars, just in deposits. These deposits are … (0 comments)

credit repair: Are Medical Bills Becoming a Pain? - 02/19/14 01:03 AM
It's no secret that over the past few years medical expenses have sky rocketed!  For you the bills may be piling up and you might be unaware that there are options available.  Here we have listed a few ways to help you manage your medical expenses before it's too late.
Check for billing errors - Scan over you medical bills and make sure that the charges are correct.  Hospitals and Surgical Centers often make mistakes by adding charges such as meals, medications, and supplies that the patient did not recieve.  Also keep an eye out for duplicate charges.  If your bill … (0 comments)

credit repair: Summer Break - 02/05/14 03:24 AM
Christmas has passed, the new year is here and many of us are counting down the days until summer vacation.  What will it be this year?  White sandy beaches, hiking and camping or sailing the open seas?  The options are endless...if you are financially prepared.  Summer vacations are well deserved breaks but if you aren't careful they can leave your bank account and credit cards tattered and bruised!
When planning a vacation make sure to do your research.  Many hotels and travel sites run specials including airfare, rental cars and hotels stays.  Also, if within your budget, all-inclusive resorts are always … (0 comments)

credit repair: Renovation on a Budget - 01/22/14 02:12 AM
It's often this time of year that many home owners are considering renovations. Breaking the bank during demo is always a fear and good one at that. Below are a few suggestions to save on your 2014 home renovations.
Scope out your local recycling center – This one is for all the do-it-yourselfers! You can find everything from scrap wood to light fixtures, from plumbing needs to doors and windows. Refurbishing old material not only adds character to your home, but is also easy on the wallet.
Don't fear the sledge hammer – When considering demolition think … (2 comments)

credit repair: Credit Tips - Quick ways to improve your scores - 09/03/09 05:51 AM
Credit Tips - Quick ways to improve your scores
Hey everyone, here's a short list of Credit Tips that will go a LONG way in helping you improve your scores.  Over time, we will discuss each point in depth for a fuller understanding of why it's relavent.  You can use this list as a quick reference guide until we get new content up. 

Credit Tip #1:  Want to improve your credit scores by 5-15 points right quick? Call 1-888-5OPTOUT or Click Here and remove yourself from the pre-approved credit card offers. You'll be viewed as a lower credit risk and consequently … (0 comments)

Joe Orsak, Joe Orsak (Improve My Credit USA)

Joe Orsak

Joe Orsak

Humble, TX

More about me…

Improve My Credit USA

Address: 19635 HWY 59N, Humble, Tx, 77338

Office: (281) 914-4116

Fax: (281) 973-7273

Email Me



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