Do you take your credit seriously?
A good credit score can be very helpful. Your credit report and credit score are often used by employers as a way to judge your personal and fiscal responsibility. This report is often the difference between your getting hired at a new job or being promoted within your current company.
A higher credit score can also make borrowing money easier and paying lower interest rates on your home, cars, credit cards, insurance, etc.
Credit ReBuilding
Many people are financially responsible yet have a low credit score. Many others have had bankruptcies or foreclosures. Others have had some issues and are trying to rebuild their credit. I may have several suggestions and programs that will help you accomplish this.
Credit Restoration
It is estimated that nearly 80% of Americans have errors on their credit reports. Often these errors result in a lower credit score and an inaccurate debt to available income ratio (30% of credit score). Over 25% of these negative items may be serious enough to have you denied credit all together.
Through our Free Credit Report Review, I can help you understand how certain items affect your credit score and what the process is for disputing inaccuracies on your credit report. This is a process you can do for yourself.
However, for many people this process can be overwhelming especially with new changes in the law. We recommend a company that can assist you with this process.
This company will explain in more detail how their services aggressively force the credit bureaus and the listed creditors on your credit report to comply with all aspects of the FDCPA, FCRA, and FACTA. These are all Federal laws that the credit bureaus and reporting companies must abide by or face fines and civil law suits.
Whether you write the disputes yourself or hire another company, no one can promise you any specific credit score increases. If they do, please do not spend your money with those companies.
However, some of your more reputable companies will offer guarantees based on their past successes. The company listed above for example only challenges the credit bureaus and supposed creditors you choose. All costs are a one time per item fee. Payments may also be available.
Credit Reports
As part of our initial FREE counseling, we often find it very useful to see a copy of your recent credit report. As we do not have a permissable reason to obtain your credit report, we have to rely on you - the person receiving the free counseling - to supply one for us. Once supplied, we use this report to help you understand your current financial situation and how it may be viewed by a potential lender.
We prefer to review your report with you over the phone. This is how we can keep our reviews for free. You may send us a copy via email, fax, or whatever method is best for you. Feel free to block out your social security and account numbers. We do not need or want this information for your FREE consultation.
To obtain your credit report there are many methods available to you. Many companies including the big three credit bureaus offer online services.
We are not affiliated with any company that we are suggesting on this page or their websites. Here are just three sample companies of many that you may choose from:
Annual Credit Report.com
This company is operated by the three major credit bureaus. In many states you may obtain a free report from each of these credit bureaus once a year. Unfortunately, each bureau will typically charge you for the actual score. To go to this site, CLICK HERE.
Free Credit Report.com
This is a membership site. If you choose this or a similar company make sure that you fully understand any or all obligations before becoming a member. To go to this site, CLICK HERE.
Credit Keeper .com
This is the site we use most often. This is also a membership site, but is the least expensive and easiest site to use that we have used. They typically charge $9.95 per month and includes a 3 bureau report and scores. To go to this site, CLICK HERE.
With all of these sites, it is YOUR membership and you are solely responsible for maintaining or cancelling it. All of these sites require a credit, debit, or prepaid credit card.
If you are going to maintain a membership on one of these sites, we highly encourage you to change your log ins or passwords once our consultation is complete (though we will not keep a copy of any of your information).
If you are not going to need access to your site of choice again, please follow the directions on that site or call their customer service department to cancel it to avoid additional charges.
Identity Theft
The Federal Trade Commission estimates that as many as 9 MILLION Americans have their identities stolen each year. Often victims of Identity Theft spend hundreds of dollars and countless hours trying to repair the damage to their good name. Some victims may lose out on job opportunities or be denied loans for education, housing, or cars because of negative information on their credit reports.
We encourage the use of Identity Theft protection through our Do it Yourself program.
