You Are Not Alone
With 9%
unemployment (which is only the tip of the iceberg), reduced employee hours, benefits cutbacks, businesses closing, it is now estimated that over 60% of consumers have been impacted with late payments, short sales, foreclosure, bankruptcy and more.
Poor credit and low credit scores can now cost you an additional $500 per month in increased car and home owners insurance, increased interest rates and fees on credit cards, mortgages and car financing
We Do Not Do Credit Repair
Unlike "credit repair companies", we do not challenge what is on your credit report, but the right of the credit bureaus to report anything about you without being in compliance with the law (Fair Credit Reporting Act). This legislation passed in 1971 maintains that the credit bureaus must be thorough and diligent in what they report, that it must be accurate and verifiable. If challanged, the credit bureaus must be able to document what they have reported. Otherwise, anyone could report negative information about you and have it planted in your credit files.
Comprehensive Educational Book
This is the most comprehensive and concise resource on credit law available! It contains resource material on case law, how to apply the Fair Credit Reporting Act and other federal statutes. Sample letters to use against debt collection companies, creditors and more. How to have negatives removed from the Chex banking system (includes sample letters). Forms to use to have federal tax liens removed from your credit files.Strategies for negotiating with creditors and debt collection companies. The best and quickest ways to rebuild strong credit. Considerations and information regarding bankruptcy, foreclosure and short sales and much, much more.
Free Disputing Assistence
Included in the purchase of our Credit Education Manual and Program is our FREE disputing assistence program. This is twelve months of actual attorney written letters disputing outdated, inaccurate, unverfied and mis-information. This program has successfully removed 10's of thousands of negative items reported by the credit bureaus.
Proof Is Required
Without proof, the bureaus are required to "permanently remove" negative reportings. The bureaus REFUSE to get proof. They continue to maintain that their electronic system (EOscar)
is sufficient. Basically, it confirms creditor information from the creditor. No actual documents are ever reviewed.
The Courts & The Law Are On Your Side!
HOWEVER; the courts continue to side with consumers. In fact, the courts call the credit bureaus, "habitual repeat offenders of the Fair Credit Reporting Act!" This is where we come in. Our experience, and legal tact takes the stress out of restoring your credit. By using our FREE disputing assistence program, we walk you through the nightmare of dealing with the credit bureaus with just two easy steps.
Isn't It Time You Took Back Control Of Your Credit And Your Future?
