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Are you having a difficult time selecting a Credit Repair Company? Consider these questions:
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Will they review your credit reports for free, BEFORE you sign up with them or pay them any money?
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Do they have a physical location that you can go to if you live close enough?
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Are they members of a national business bureau, and for how long?
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Do they only send dispute letters to the three credit reporting agencies, or will they dispute directly with creditor, collections agencies and courthouses if necessary? And at no extra charge?
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If you need assistance with settlements, will they help you at no additional charge?
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If they charge a continuous monthly fee, what is their incentive to repair your credit quickly?
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Do they have a stated guarantee on their contract?
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Do not EVER let a credit repair company pull your credit reports for "free"! They do not have a permissible purpose and it will count as an inquiry against you. It will actually LOWER your credit score.
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Do you have 24 hour, 7 day a week access to your account?
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Also, please remember, the Fair Credit Reporting Act has EXPIRED! President Bush signed The FACT Act into Law December 4th, 2003, because the FCRA expired December 31, 2003. Is the Credit Repair Company you are considering aware of this new law? Are they prepared to represent you through the upcoming changes? I have been repairing peoples credit for over 10 years now and frankly what I see on the internet appalls me! How many credit repair companies do we need on the internet that all do exactly the same thing for about $40.00 a month? There are even several sites that DON'T know how many Credit Reporting Agencies there are! I truly hope this information will be helpful to you and I look forward to serving you! |
Credit Repair Service: Of course we use the latest computer technology, but we rely on our extensive knowledge of the Fair and Accurate Credit Transaction Act of 2003, Fair Credit Reporting Act, the Consumer Credit Reporting Reform Act, and the Fair Debt Collections Practice Act, along with years of experience and time proven letters, documents, forms, Lawful Notices and Estoppels. Our services can remove negative inaccurate, unverifiable and incomplete information from your credit reports, including charge offs, bankruptcies, judgments, repo's, foreclosures, collections accounts, student loans, tax liens, and slow pays. And you can check the status of your account on-line anytime! You can see exactly what we are working on, and keep track of our results simply by logging-in. more info...
We will communicate with the three credit reporting agencies, on your behalf, via telephone, e-mail and/or written communications. We will also monitor the correction and deletion of negative inaccurate unverifiable and incomplete information from your credit reports for one full year. If any accounts need to be disputed with collections agencies or the original credit grantor we prepare document, called Lawful Notices and Estoppels, to address them individually. (Some companies charge $25.00 per creditor for this, and most credit repair companies do not do this at all!) We will also contact you if we feel a settlement might be in your best interest. Our Credit Counselors will be available by telephone or e-mail, Monday thru Friday during normal business hours to answer any of your credit repair or credit related questions. We will also analyze your credit reports to determine what other factors are affecting your credit rating, and counsel you on what can be done about them. Most of our clients are finished with our program within five to six months. Unlike other companies that charge a continuous monthly fee, we only charge for four months of credit repair service, after that we continue working for the rest of the year for free! (This is our incentive to finish the job quickly!)
Successful and long lasting credit repair is a process, not a quick fix. We offer the most complete, personal and effective services available! And you can check the progress of your account 24/ 7, with our NEW instant on-line Client Status Program!
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New Option! Premium Mail! Now you can upgrade to Certified, Certified Return Receipt Requested and/or Priority Delivery Confirmation Mail! Mailing our documents this way is the best way to assure that the reporting agencies will respond and the only way to enforce the 30 day law. (We will still fax, e-mail, or send our documents over the internet, whichever is the most effective and timely way to communicate with the necessary entities.) |
One or Two Items? We do make special arrangements for a reduced price if you only have one or two negative items on your reports. Please call our office to discuss this plan with a credit repair counselor. Call Toll Free: 1-866-411-3328
If you have copies of all three of your credit reports, you can e-mail, fax or mail them to our office. If not, here is a link so you can order them. You should see positive changes in your credit reports within 60 days.
need more info...
The American Debt Foundation (the ones who do the WORK in most law offices), so you can trust our knowledge and training. We do not charge for telephone calls, extra letters, or have any other hidden fees. We do not charge an ongoing, endless monthly fee either. The problem we see with an on going monthly fee is: the longer it takes to repair your credit the more they make, so what is their incentive for getting the job done? We are also not a Multi-Level Marketing company using credit repair to build a huge MLM organization! We are very reasonable prices and strive to be accommodating to your payment requests.
We have discovered that most people never planned to stop paying their bills. But that instead "real" life happened to them, they got a divorce, had a baby, lost a job or were injured in an accident. And for about the next six months their credit fell apart. Now, that same person is back on their feet and in need of credit. But like a closet full of bones, their old bad credit is haunting them. That's where we come in, our proven programs can help get your closet cleaned out! We have worked nationally with such clients as, Fidelity Federal, GA, Trans Land Financial, FL, Davidson Financial Services, IN, Bounce Back Foundation, MI, SGP, TX (just to name a few), to restore their client's credit. For a Free Evaluation, call us today or click here for a Free On-line Evaluation!
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Copyright ©2004 Credit repair after bankruptcy |
