Improve your credit by repairing your credit reports legally, quickly and affordably with MyMagicCredit.com ™. Get on "The Road to Financial Recovery" by contacting us right away.

Our Company began to help consumers since 1998 when it redefined a fledgling credit
repair industry by fusing strict regulatory compliance with innovative credit repair solutions. Today, MyMagicCredit.com ™ continues to be a driving force helping clients achieve their desired goals, and remains the trusted leader in credit report repair for that reason.

The Fair Credit Reporting Act (FCRA) is designed to protect your right as a consumer to contact the credit bureaus and to  dispute questionable items on your credit reports. If the credit bureaus are unable to verify the accuracy of information found on your reports, those
items must be deleted.

A 2004 California Public Interest Research Group study revealed that 71% of all Credit Reports contained errors. 25% of the credit reports had errors serious enough to cause credit to be denied. Consistently carrying lower balances on your credit cards over 18 to 24 months can have the most positive impact on your score. In general, you should keep your outstanding balance at no more than 25% of your credit limit. This means that if the total credit limit on your credit card is $2,000 then you should revolve no more than a total of $500 every month.

Two people getting a $200,000 loan for 30 years on the same house could pay very different interest rates. Someone with good credit might qualify for an interest rate of 6% while the less credit worthy borrower might qualify for 7.5%. It doesn't sound like much of a difference, but that 1.5% equals $250 a month - and more than $70,000 over the life of the loan. Based solely on credit scores, a borrower with a low credit score could pay $100,000 more in interest on a 30-year, $250,000 mortgage than someone with a higher score.

U.S. Public Interest Research Group reports that more than 50% of Americans carry credit card debt averaging around $10,000. At an 18% APR, that's $1,800 per year in interest payments. How much debt are you carrying and how much do you pay per year in interest? To understand how defaults impact a lender's profitability, consider a situation where a bank lends $100 at 10% interest to 100 families. If everyone pays interest for a year, the bank will earn $1,000 in interest. But if 5 families default on their $1,500 loan, the bank will lose money, despite the interest.

Disputing items on your credit report should be an easy process, but so many consumers give up before they ever see results. Most don't take time to learn the relevant consumer protection statutes or formulate a statute-based plan of attack.

MyMagicCredit.com ™ has the knowledge and experience needed to help you effectively address your problematic credit history. From bankruptcies to charge-offs to tax liens, we challenged virtually every credit problem under the sun.

MyMagicCredit.com ™ has become a trusted leader in credit report repair because we believe in our work and we're committed to our clients' success. That, coupled with our exceptional knowledge and experience in the credit repair industry, has allowed us to achieve amazing results that have literally turned our clients' lives around. Simply put, "Bad Credit is Costing You".

Please make sure to check out our Credit Tips and FAQ sections for valuable information regarding your your credit.