CreditLibrary's Credit Guide

This site provides every consumer - credit information, but what sets us apart from other credit info sites is the new concept we have to give you an edge when you're looking for credit. Sections within this site are entirely "user input" where you post credit related information into our databases. There are 2 total databases, 1 that involves banks and/or lenders which is under our Approvals and Denials page (A & D), and 1 under Collections which deals with collection agencies. The information you can input is non-identifiable, yet helpful to anyone and everyone reading it. For example: If you were approved or denied credit by a particular bank or lender you can input basic info like: the lender's name, your income, FICO score, the credit report(s) that particular lender pulled, the creditor's reason for the denial (if applicable) and vaguely state if you have any negatives (collections, late payments, missed payments, etc...) in your credit report(s). No name, account numbers, social or anything that could, in anyway, identify you. This credit related info is designed so that the next person who stops by (if savvy) can use this info and go with the lender that best fits their credit profile. If your credit report/score is excellent with 1 credit bureau but only good or even fair with the others, wouldn't you want to apply to a lender who will likely pull your excellent credit file?

Even if your experience is with a collection agency, there's a whole other database for you to input info about them. The information in this database can show you and others: which collection agencies accept "pay for delete" agreements, which credit report(s) are they reporting the account to, are they willing to accept a settlement (pay less than owed), and if so, what sort of discount will they accept. If you have info, please post it, if not, feel free to search our database for info - it's all free!

This is a brand new site (Dec. 2009), and we do need you to help fill our database(s). We couldn't make this new concept happen without you, so join us, contribute, and enjoy! On behalf of CreditLibrary.org we want to thank everyone who visits & shares their experiences. The whole idea behind this site is to provide accurate credit information and to give consumers an edge when it comes to credit & finances. Continue to read the quick summary below on other sections & options we have available to you.

Credit & Finance Guide

A Quick Summary of the Pages within this Site:

Credit Repair - An easy to follow guide on repairing your credit yourself.

Money Manager - Ways to improve your finances, including: creating a budget, using a budget planner, opening an IRA or retirement account and planning for your financial future.

Credit Options - Our Credit Options section provides offers, links & info for various credit related products or services. You'll find just about everything related to credit here, from: credit cards, personal loans, home loans, auto loans, ID protection, payday and/or hard money loans, credit repair companies, debt settlement, bankruptcy and more. Choose an option below:

A & D - Short for Approvals and Denials; this is a database where you can input info about approvals you received or even denials from any lender. This information can be helpful to anyone looking to obtain credit or wondering which credit report a certain lender typically pulls. If you don't have any info to input, you may learn a few things about lenders by checking out what's here!

A & D Search - This is a database where you can search for lender and/or creditor information posted by others, use this info to figure out where you should apply for your next credit account.

Collections - A database where anyone that has or had experience with a collection agency can input information about it. Lets say the collection agency was willing to accept a "pay for delete" agreement or settled the account for less than what is owed, this would be helpful to anyone who has an account with the same collection agency. If the collection agency didn't hold up their end of the bargain - this would be beneficial information to any viewer as well. These are just a couple examples, so check it out to find out more.

C. Search - Short for Collection Agency Search; a database where you can search information posted by others on various collection companies. You can find out if they offer pay for deletes or settled the account for less and much more here.

Credit FAQs - A list of common credit questions with accurate answers. This is just a quick reference guide and as we find more common questions we'll post them - with answers here.

Credit Facts & Fiction - Here you'll find various inaccurate beliefs about credit, credit reports and/or credit scores. We put an end to any confusion in the credit facts & fictionpage.

Credit Bureaus - A list of the 4 major credit bureaus (Equifax, Experian, Transunion, Innovis) with the address, phone number and website posted for each of them.

Poll Questions - A few poll questions on the economy, unemployment and the financial sector as a whole.

About Us - You can read about us, our vision & concepts here. If you have any questions, comments or suggestions, please contact us. There's a form for you to fill in to easily contact us if you need to. We want to hear from you so we can try to make this site as optimal as possible. All ideas and suggestions are considered! This site is for you so we want to tailor it that way. You can also review/read our privacy policy, terms and conditions, as well as our disclaimer by visiting our policy page.

Links - Here you can add your link to our site, plus you're able to post a brief message about your website. This is an excellent back-link for any site, not to mention some easy advertising. You can exchange links or you have the option to have a permanent 1 way back-link. Submitting your site and having it posted has never been easier!

Join Us & Contribute

Forum - Join up and contribute to our Forum community; we'd be happy to have you! Here you can post questions about credit, answer questions, or even just read what others have posted. It's easy, fun, and beneficial - so join today!

Chat - If forums aren't your thing, we have you covered! You can chat live with someone from anywhere and ask questions, get suggestions, or answer questions for others. This is the faster alternative to forums and we wanted to give you both options. So if you'd like, join our chat community today!

CreditLibrary's Blog - Our blog is geared towards expressing opinions instead of non opinionated and fact based, which our site, creditlibrary.org, strives to be. The blog topics are on the economy, lawmakers affecting lending/credit, and other financial topics in general. We would love to hear your comments on the various topics and we're even willing to post your article! Just send us the post/article and we'll get it up as soon as possible.

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