How to repair my credit horror stories-->Wasting time and ending Up worst off

Education is key to getting your credit score higher however most people don't know how much work it really does take and how fixing your own credit can sometimes hurt you.
By: Roger Joyner
Feb. 12, 2011 - PRLog -- Since Fair Issac Corporation developed the credit scoring system years ago. Many people believe that being responsible about their own credit score is the right thing to do. They know that they can get their credit report pulled every year by going online and finding a website that gives them exactly what they are looking for. When most people begin to think about how they are going to increase their score they start to get themselves onto a path that can take discouraging amounts of energy away in the process. Sometimes people end up destroying good credit history that is very important to building their score higher. To avoid all these things people need trustworthy help from a Company that is recognized by surrounding communities as a leader in credit repair. I’m sure you have heard by now that credit repair companies are fraud! In most cases they are; especially companies that promise to remove accurate information; while promising you a credit score increase of 100 points. Be aware that many credit repair companies do not care to educate you about credit restoration, and make false promises. One company rises as winner of the credit consultant award of the year for 2010. The name of the company is Improve Credit LLC a Consulting Firm company based out of Monroe, NC.
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Improve Credit LLC has purposed to become a trustworthy company for all our clients and are here to prove that Credit Consulting organizations are not all fraud.

Our Approach:

Each customer is assigned to a credit repair consultant from start to finish. The consultation alone will allow the client to know exactly the process of their restoration program. Before the program begins the file will be examined by the owner, and founder of the company for best results. You will not be just another number within our company, but handled with the up most respect and honor. We are the best, and are the only company that takes this approach. We will then teach you how to properly manage your credit, and your finances.

1. Consultation

Pulling a “soft pull” credit report with all three bureaus. Explaining the factors that affect your credit score. Reviewing each account, and explaining your rights as a consumer in order to improve your credit and increase your score. Preparing a plan of action for your credit restoration process. Within this process we will thoroughly explain your legal rights as a consumer.

2. The Dispute Program

We will review the accuracy of your debts. Anything that is incomplete, unverifiable, and outdated will be disputed with the bureaus for validation. The most common mistakes are as follows: re-aging accounts, collecting on a debt that is over the statue of limitation, collecting on a debt that is unverifiable, and creating more then one account for the same debt. Knowing these facts will allow us to explain to you your rights as a consumer and give you solutions for these issues. This process alone can increase your score from 10 up to 20 points per account.

3. The Debt Negotiation Program

Did you know that when you negotiate on a derogatory debt that you can potentially decrease your score from 10 up to 20 points per transaction. That is why it is imperative that you understand this process, and have an expert explain to you how to take this approach and see great results. Any account that is negotiated for payment will re-age the account. Derogatory accounts that belong to the consumer, and are paid will remain on the report for 7 years from the date of last payment. Be aware of companies that promise to remove this debt once payment is received.

4. The Debt Management Program

We will create a plan of action with your active accounts. This program is an important tool to help you get the best results with your creditors and establish a plan to get out of debt. Have you ever asked yourself this important question, “How long will it take me to get out of debt from a credit card balance of $10,000 with an Annual Percentage Rate of 19%?” Did you know that it will take you 24 years to get out of debt! That is why this program will be essential to your goal of becoming debt free.

5. Identity Thieft Protection Program

Did you know that 1 out of 3 consumers are a victim of identity theft? Most of us have no idea that we are victims of a perpetrator. This program will protect your identity immediately and educate you on the steps to experiencing financial freedom! Most victims do not know where to start with this type of service. We will make sure that you are well prepared while providing the education needed to insure results. This will allow you to experience results in a shorter period of time once you are assigned to a credit restoration professional. Once your credit report is revealing accurate information you will be well on your way to experiencing security with your identity and your credit reports.

6. Loan Modification Program for business owners

If you are behind with your mortgage payments, then our Loan Modification program will assist you this process. We will thoroughly review your debt vs. your income and prepare an outstanding package for you in order to save your home. Loan Modification programs were established by the federal government and the mortgage industry in order to stop business foreclosure. We will analyze your lender’s loan mitigation policies, our professional loan modification department will negotiate with your lender to get you the best possible solution to your business foreclosure problem. We can help you save your business and credit history through a variety of loan modification options.
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Award winning company serving credit challenged consumers nationwide. Using our programs our consumers see results that improve credit scores and help them buy a home or refinance. Most results are within 30-90 days depending on the consumer.
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Source:Roger Joyner
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Tags:How to repair my credit horror stories, Credit repair nightmares, Credit repair fraud, Credit Repair Loss, Credit Repair
Industry:Business, Financial
Location:Charlotte - North Carolina - United States
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Page Updated Last on: Aug 07, 2011

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