There are a lot of credible credit repair services out there, for instance, Blue Water Credit – Sacramento. Some charge a fee, some don’t charge a fee. And others claim to be free but have hidden charges. For the last three years, I have been researching this subject, and what I’ve found may surprise you.

The best free credit repair service is easy to find. You live with the person each day – YOU. You can do anything that any credit repair service can do, and there are no hidden charges. And, while some of these free credit repair services can sometimes make your credit worse, in the way of a black mark on your credit report, fixing your own credit avoids that.

You can find everything you need by visiting Dave Ramsey’s website at www.daveramsey.com. I’ve never had problems with my credit, but there was a time that I believed that debit and credit cards were okay. They are a fact of life, and everybody has them, right? Wrong. Dave Ramsey opened my eyes to a whole new way of living and helped me achieve freedom from debt. You can achieve that same freedom, with just a little hard work. And just think – it took you time to get into the debt that you are currently in, so it’s understandably going to take you some time to get back out.

So, to get started on your credit repair, gather up all of your bills. Contact your creditors and work out payment arrangements with them. Most creditors are pretty understanding. However, if you reach someone who isn’t willing to work with you, go up the chain to their supervisor, and keep going if you have to. These companies bank on you giving up with the first ‘no’ answer. Don’t give them that satisfaction. Fight them until you get what you want.

After you get your interest rates lowered and your payment dates arranged so that you can pay them in a timely manner, work out a budget. Make sure you know where all of your money is going. Then, you’ll want to get together an emergency fund of $1000. Put money away in a savings account until you reach the $1000 mark, then work on paying off your bills.

Start with the lowest bill first, and pay extra on that bill, while making minimum payments to all other bills. Once you have the smallest bill paid off, you can put that money to the next smallest bill, and continue until all bills are paid off.

So, before you choose a free credit repair service or a service that charges a fee, try to repair your credit on your own. If you take the initiative, you won’t need the assistance of an outside company. Good luck!

Windows 7 offers a new way to repair and fix your computer when the operating system fails. The Windows 7 installation CD has a “Startup Repair” console with several original options such as system repair and new options such as a memory diagnostic tool. Many users are unaware of this Windows repair feature, which can save you from reinstalling the operating system and losing important files and applications.

Where is the Windows Startup Repair Option?

The Startup Repair option is found on the Windows 7 installation CD. Another option for Windows 7 users is to create a system repair disk. A system repair disk is a CD or DVD that contains the necessary boot files, and it can also be used to repair Windows system files. You bring up the system repair disk by inserting it into your drive and booting your machine. The computer detects the boot disk and asks you to press any key to continue booting to the CD.

Fixing Your Computer from the Startup Repair Menu

Several options are available on the Startup Repair menu. Each option repairs or checks a different part of your computer. The following are the list of options and what they can do to repair your computer:

Startup Repair: The Startup Repair menu option fixes your computer if the Windows 7 boot files are corrupt. It’s also a good option if your computer has been infected with a virus, and the virus deleted or corrupted the boot files. The startup repair option replaces the boot files with a clean version from your installation or recovery disk.

System Restore: The system restore is the main option if your registry corrupts or your computer will not boot. It can be used if you installed an update and the computer boots to a blue screen. The system restore uses backup registry files, which are saved each time Windows applies an update or hotfix to your computer.

System Image Recovery: The system image recovery option is similar to the system restore, except it uses an entire image to repair the computer. This means all of your applications and files are restored from the point when you created the image.

Memory Diagnostics: Sometimes, the issue with the computer is just bad memory. The memory diagnostics tool does a full check on the memory to ensure that the issues you experience aren’t bad computer hardware. If the memory diagnostic fails, then replacing the memory will fix your computer issues.

Command Prompt: Choosing the command prompt brings you to the Windows command line utility. From here, you can copy important files from the installation disk to the hard drive in an attempt to fix other issues.

Just follow the above steps in a sequential manner and you will get the results sooner than expected as repairing the system is of utmost importance to have all the functions in order and Laptop and computer repair Didcot is one of the best alternatives for the job.