PRLog - Jun. 26, 2014 - Tom Fahrny is the CEO of Excellent Credit Score. This program uses law to remove negative items. The Fair Credit Reporting Act section 609, 611, 615, and 617, allows protection for consumers. When we use this section of law, it removes negatives permanently. This section of law requires the 3 bureaus to verify the negative item and also show verifiable proof. In their years of business, this has never happened. The credit bureaus do not have and do not store documents on 230 million consumers. Because of this, the items must be deleted, never to re-report. If they do, there is a penalty phase implemented by The Federal Trade Commission. Excellentcreditscores.com was founded seven years ago. Some of the services that the business offers include a “One of a kind” dispute system for people with credit challenges. We also provide an educational program that helps consumers understand their credit report and what a credit score means. Also covered are risks involved with good and bad credit, co-signing on a loan, debt management, and strategy.
www.excellentcreditscores.com is unique from its competitors because it uses federal law whereas other services do not use the same law as Excellent Credit Score. The Excellent Credit Score program goes directly to the 3 credit bureaus: Transunion, Equifax, and Experian. Other services go directly to the creditors. We delete the items permanently by requiring the 3 credit bureaus to show original documentation for the negative items. Other services contest the item with the creditor as to whether it is accurate or valid. This causes items to be removed on a temporary basis. This company values the client as their top priority. Their growth is based on customer success and referrals. Excellent Credit Score is known as “The leader in credit restoration.”
Tom Fahrny is the CEO of the company and runs all aspects of development, marketing, training, and operations of www.excellentcreditscores.com. Originally, he started working with another company as an affiliate. Once he learned the process, he opened his own company. Tom Fahrny has also served 30 years as a Firefighter paramedic for a metropolitan fire department. He will be retiring at the end of 2014, and working on growing this company. When not working, he enjoys playing with his children at the beach, as well as enjoying mountain biking, surfing, tennis, snow-skiing, and traveling to new places. His free time is mainly pre-occupied by his 8 year old and 12 year old children. They have very active schedules with tennis, music, gymnastics, and singing. When not with them, he enjoys biking at the beach or walking at the beach. Tom’s two best memories are the days his children are born as well as the day he became a firefighter. Both of these events were very life-changing and full of excitement. The biggest influence in Tom Fahrny’s life would be Chuck, his mentor at his church. Chuck has mentored Tom for 12 through his church. He has helped Tom receive Christ and was involved in baptizing Tom, as an adult. They meet regularly to go over goals, values and direction in life through Christ. Chuck has been with him through many challenging times in his marriage and life. He is a wonderful friend and mentor. In the future, Tom Fahrny would like to travel to Europe. He would like to see Italy, Spain, Jerusalem, and other parts of Europe. He would also like to help his son reach his goal of becoming a pro tennis player. Tom will gladly guide and support him in all ways. He is most proud of his perseverance in becoming a firefighter. It is very competitive and difficult. Tom Fahrny was very dedicated to his preparation and persevered to become a firefighter. He is best described as caring, trusting, sincere, and confident. He holds a Bachelor of Science in Public Administration. Tom and his children became involved in charity through seeing the need through their church. He remembers watching a video on families and children from other countries and listening to the radio station 95.9 The Fish about families in need. All walks of life need help. He remembers an instance when he and his daughter encountered a homeless man. His daughter asked questions about him. After explaining, she felt sad. Tom mentioned that the homeless man could be God’s angel here watching them. This led to the Fahrny family looking for homeless people on a regular basis and offering food and money. Each year, Tom Fahrny gives to his local church and local homeless shelter. These contributions are based on annual earnings. For more information on Tom Fahrny and his company, please visit www.excellentcreditscores.com.