If you are a first-time home buyer, or haven't owned a home in the last three years, you may be eligible for an $8,000 tax credit from the federal government. This program is expected to end in November 2009. You'll need to act now and we'll assist you in pre-qualifying for this opportunity. There is also a no-down-payment option for any home buyers.
Also available is the Car Allowance Rebate System that is more popularly know as "Cash For Clunkers." The government will offer up to $4500 for a new car if it's more fuel efficient than your old clunker. The program started at the beginning of July and will operate while funding is available.
You will have challenges though. It's not something you download or receive in the mail and the credit repair is on its way. You will have to dedicate some time to it. What you'll get in return is a better understanding of credit and a better credit score. You will learn much more than you ever thought there was to credit. So it's an investment in the long run.
So to answer the question "yes" you will see improvement on your credit with DIY credit repair programs. You can remove collection accounts, erroneous reporting's, late payments and misreporting accounts. Depending on the accounts, you can completely remove accounts that are lowering your score. Some claim to give you the tools and understanding to remove larger derogatory problems, judgments', liens and foreclosures.
You will learn that you can also improve your accounts in good standing. Accounts in good standings can be improved depending on how they are reported. Credit issuing companies don't always report accounts in a manner that best benefits you. They also omit key information that can boost your credit score, just by being there. An example of this is to report your running balance but failing to report your total credit limit. You'll learn that there isn't just one way for them to report your account. You will be armed with the information to make sure they report your account as it best benefits you. It's your credit take control of it.
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