Tuesday, January 6, 2009

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Saturday, November 29, 2008

What is a Credit Bureau?

It's an entity that gathers information about consumers' Credit History.
They are nothing more than record keepers. They are not run by banks, police or government, and they have no legal power over you. So don'tbe intimidated.

You’re Credit Report Your Credit History Report includes information regarding the following:
* Identity information: name, address, social security number, spouse, date of birth.
* Payment habits: how promptly you have made payments to previous creditors.
* Public records: arrests, indictments, convictions, lawsuits, tax liens, marriage, bankruptcies, court judgments.
* Debts.
* Other data relevant to your creditworthiness.
* Current employment info: your position, length of employment, and possibly your earnings.
* Personal history: number of dependents, previous addresses, previous employment.

How do the Credit Bureaus obtain information?
They obtain your information from lenders: banks, retailers, &collection agencies. They obtain monetary-related public recordinformation from the court systems.

How long do the Bureaus keep my information?
* They keep your personal Credit History for approx. 10 years.
* Closed or Inactive Accounts - 10 years from the date of last activity.
* Derogatory Accounts - 7 years from the date of original delinquency.
* Public Records - 7 years from the date of payment: indefinitely if an unpaid tax lien. * Chapter 7 Bankruptcies - 10 years from date filed.

Credit Report Fact or Fiction

What's the worst thing that can appear on my Report?
Basically ten things.

Listed from best to the worst they are:

1. Inquiries
2. Credit Rejections
3. Late payments
4. Past due and unpaid payments
5. Court judgments
6. Collections
7. Loan defaults
8. Repossession
9. Foreclosure
10. Bankruptcy

How many mistakes can it take to cause denial of credit?Only One!

How frequently do errors occur?
Estimates vary widely, but run as high as... 90%!
* The Attorney General of New York State has estimated that at LEAST 1/3 of all reports contain errors. * The US Congress - at least 1/2
* A Consumers Union study - 40%
* The Charles Givens Organization conducted a study in which an unbelievable 90% of all CreditReports reviewed contained errors!

Great Credit information sites

http://creditforum.lefora.com/forum/

http://www.fix-creditrepair.com

Thursday, November 20, 2008

Credit Repair Guarantee

With a higher score you can reduce monthly debt payments, qualify for low interest rate loans and credit cards, and get into the home or car of your dreams.
We can get you..
· Approved for almost anything—without a hassle
· Save tons of money by not having to pay crazy interest rates.
· Establish new positive credit—to help you with everything else.
· ...and so much more.
Repairing your credit is taking a big step forward in improving your financial future. So, choosing the RIGHT company to offer credit repair services becomes a large part of the equation for great results. With thousands of credit repair companies out there, it can become a daunting task to find the one that will be the best for you, the customer. Thus, we provided a number of pearls of wisdom to allow you to make the best choice in finding that company – our company – Fix Your Credit Inc.
You can count on our team to repair your credit, and every one of our clients receive the personal attention they deserve. We always update you with the status of your service. You’ll get the specific results you’re looking for, and the personal attention you need throughout your entire service.
That’s our promise to you.::
Our experienced team and proven process has helped people—just like you. We remove things like…
· Late Payments
· Charge Offs
· Foreclosures
· Judgments
· Repossessions
· Personal Identification
· Closed Accounts
· Bankruptcies
· Negative Settlements
· Inquires
· Liens and Collections
We repair all three of your credit reports, and you'll see results within the first 60 days. Our motivation is to quickly repair your credit and provide you with permanent results you can count on. We'll go directly through the credit reporting agencies and even your creditors to get the negative items removed. We'll even deliver lawful cease and desist notices to your creditors for the removal of a specific item (just another example of the extra mile we'll always go for you.)
Keep this in mind, when an individual applies for credit, three things are taken into consideration:
Your credit score
The negative or derogatory items within your reports
Your positive credit / Credit depth (the length of time the items have remained on your reports)
We have handled everything you can imagine, and when we remove a negative item from your credit report it does not come back.
We take care of everything. Once you sign up, simply relax and we'll take care of the rest. Here's the process you can expect after you get started:
You'll receive a "Welcome Email" “Welcome Express Mail” from a member of our team congratulating you on your smart decision to get your credit repaired with Fix Your Credit Inc. and Fix-CreditRepair.com. They'll easily explain all the benefits of our program and gladly answer any further questions you have. Throughout your entire service you can email our support center at anytime.
We always keep you updated. You'll receive updates via email on the progress, and updated credit reports from the credit reporting agencies by mail through out your entire program. When you receive those reports, simply fax, or mail them to us and we'll continue the credit repair process. That's it! —We keep it simple.
We help you with all three.
Getting started is simple, there's just a one-time fee of only $995.00, and easy monthly payments of $29. You can expect to see results within as little as 45 to 60 days. You'll receive updates every other week. You'll get the personal attention you deserve, and support is just a email away. There are truly no hidden fees or unpleasant surprises—your satisfaction is completely guaranteed. You can also visit our "Frequently Asked Questions" section for answers to our most commonly asked questions.
We have been practicing credit repair for over 40 years. After you sign up you'll receive a welcome letter and an e-receipt sent to your email address.
Click here to sign up and we'll get you started right away. www.fix-creditrepair.com

Tuesday, November 18, 2008

Improve Your Credit Score

IMPROVE YOUR CREDIT SCORE
With a higher score you can reduce monthly debt payments, qualify for low interest rate loans and credit cards, and get into the home or car of your dreams.
We can get you..
· Approved for almost anything—without a hassle.
· Save tons of money by not having to pay crazy interest rates.
· Establish new positive credit—to help you with everything else.
· ...and so much more.

Keep this in mind, when an individual applies for credit, three things are taken into consideration:
Your credit score
The negative or derogatory items within your reports
Your positive credit / Credit depth (the length of time the items have remained on your reports)
We have handled everything you can imagine, and when we remove a negative item from your credit report it does not come back.
www.fix-creditrepair.com

Friday, November 14, 2008

$500.00 per referral FIX YOUR CREDIT Inc REFERALL AFFILIATE PROGRAM

This program is for anyone who wants to market our credit repair program and is ideally suited for professionals in the mortgage, lending, insurance, and other financial fields, that wish to offer our services to their existing and new clients.

As a Marketing Affiliate, you make $500 for every enrollment.

A simple sell, go to www.fix-creditrepair.com print out the application, put your name, phone number and email on the referred by line and once we receive the paid application we will call/email you and then express mail out a $500.00 check to you.

Fix My Credit Inc.7040 West Palmetto Park Road Suite 4 # 362Boca Raton, Florida 33433 (954) 205-7813 Fax (561-395-5389 Email: info@fix-creditrepair.com