This country operates on credit. The computers at the three major credit bureaus assign a score to your file and this number is used to judge your ability to repay credit. It’s an unfair system, but it’s all we’ve got. Unfortunately, if your credit is less-than-perfect, you will either be denied credit or pay much higher interest rates.
What are my options?
Hire an Attorney
Your first option is to go get an attorney that specializes in credit. Most attorneys will charge a retainer fee of $750-$1,500 and then charge monthly fees. How attorneys work is they try to stretch out your account with them for as long as possible until you get tired of it and walk away…It costs you thousands.
Attempt to fix it yourself
Your second option is you can pay NOTHING!!!! You will have to first find the credit bureaus, then draft up a legal letters exercising your rights under the Federal Law…The Fair Credit Reporting Act, create the proper dispute that works based on your legal rights, and threaten the credit bureaus with legal action unless they remove the items that are bringing your score lower than 750. Make sure the credit bureaus can never put those accounts back on, or let those accounts remain on with a negative status.
If you choose to do nothing your situation will not change, You will continue to live with your bad credit and you will continue to be denied credit or when credit is granted you will be required to pay a substantial down payment or deposit and the interest rates will cost you hundreds if not thousands in higher interest charges over the term of the loan
Hire a credit repair company
Credit repair companies charge a reoccurring monthly fee and can take up to 12-18 months to clean your credit files, costing you between $1,200 – $1,800. And if you have a problem in the future you would have to hire them again and spend more money.
Start the Understand, Improve and Protect Program
Our program is the safest, fastest, easiest and most inexpensive way to protect your identity and improve your credit. Everything has already been done for you. All you need to do after getting your reports is draw a circle, copy down the dispute we provide for you, sign your name, and mail it to the addresses we tell you to. It’s the easiest, fastest, most convenient way to legally fix your credit problems.It can be used to fix past, present and any future problems that may occur.
The Program includes the steps to do a complete and thorough review of your credit reports
By doing a complete and thorough review of your credit reports you will be able to identify the items that need to be corrected, updated or disputed and removed and take corrective action.
Enforcing Your Rights Under Federal Law
Our program was designed by credit attorneys. By enforcing your rights under the Fair Credit Reporting Act you can legally challenge the accuracy of items on your reports. You can force the bureaus to open an investigation. The bureaus must verify that the item is 100% accurate and complete. If they cannot verify it within 30 days they must remove the erroneous and negative item from your reports. Our program has been successfully helping consumers remove erroneous and negative items from their credit reports since 2001.
How Is My Credit “Fixed”?
It is a simple 4-part process. The program has everything you need to complete the process quickly and easily. By using the “Step-by-Step Guide” (provided in the program), you can start and complete the first steps within minutes.
Part 1: Order your credit reports (there are forms in the program for you to use).
Part 2: Circle the negative and erroneous information.
Part 3: Write down an explanation (provided for you in the program) that correlates to the item.
Part 4: Sign the provided Legal Letter, and mail the credit reports directly back to the credit bureaus.
It’s that simple! All of the hard work has been done for you. The pre-written legal letters quote the actual chapters and sections of the Fair Credit Reporting Act and the three other Federal Acts relating to credit. If the credit bureaus are unable to verify the items within 30 days, they must, by law, remove them from your credit reports.
The program makes it so difficult for the bureaus to verify an item, that it is usually removed on the first dispute. But even if they do verify an item as correct, the system generates another letter, making it tougher and tougher for the bureaus to prove, and when they finally can’t, it is deleted from your reports or updated to show PAID IN FULL, NEVER LATE. It’s an amazing and effective process!
Once you have completely achieved your goal, you will be able to maintain your new and improved credit score by utilizing the simple strategies outlined in our system. Our unique system is the only tool you will ever need to improve and maintain a high credit score.
What Kind of Items Can Be Removed?
Though nobody can legally guarantee that every negative item can be removed permanently from your credit report, it has been our experience that any credit problem can be fixed, including: Erroneous Items or Mistakes, Late Payments, Foreclosures, Liens, Collections, Charge-Offs, Bankruptcies and Repossessions.
What is the 100% Money Back Warranty?
Follow the steps in this program and your credit will be improved or you will receive 100% of your money back, including shipping and handling. In addition, you will be able to retain all program materials and specially created documents. All you would need to do is simply show proof of following the steps of the program: The results of investigation pages from the credit bureaus and before/after copies of your credit report for verification. Even better: the program and warranty period extends for one full year. So you have nothing to lose except your bad credit. Get started right now!
How Long Does It Take?
You will receive your one-of-a-kind Program in just 2 to 3 days via Priority Mail. The program is so simple that it takes only about 30 minutes to start the whole process. Depending on your particular credit file, you can restore your credit in as little as 40 days. For most customers the entire process will take between two to six months, but it may take a little longer if there are one or two difficult items.
The program is guaranteed to improve your credit score in the quickest possible time allowed by law. Included in your program are several “fast repair” insider secrets that can only be found in our exclusive program. If you’re looking for speed, no other program even comes close.
Why Can’t I Do All This Without Help?
You can. In fact, the process was supposed to be made consumer-friendly by the United States government. Of course, nothing is simple with the government, so unless you’re familiar with credit law and extremely well organized, you are going to need help. Our program gives you that help and so much more. It makes the process so simple, that if you can read and write, you can restore your credit.
You wouldn’t think of rebuilding your car’s engine without help; you definitely shouldn’t mess with your credit without professional guidance. Besides, if you make mistakes in the process, you could create more problems than you solve. Do you know how to keep the credit bureaus from returning your dispute as frivolous and stopping the entire process for months at a time? Most people don’t. We show you how to avoid this common issue and dozens of other credit bureau traps.
Can I Afford To Restore My Credit?
Definitely. As you can see less-than-perfect credit can cost you thousands of dollars a year. And that’s not taking into account the extra deposits required by cellular phone providers, car rental companies and utilities. So the question is not whether you can afford credit restoration, but can you afford NOT to do it? Our program is inexpensive and fully guaranteed, so you have nothing to lose!
***Even if you not planning on a major purchase, in case of emergency you will want to have access to the credit you need when you need it.
The Benefits of Having Good Credit
Having good credit means you save a lot of money and may now qualify for:
Unsecured loans – get the cash you need when you need it
Low interest credit cards
Qualify for special promotions
Low interest auto loans
Better rates on auto insurance
Low interest home mortgages
Better rates for homeowners insurance
No deposit required on cell phone service
No deposit required for utilities service
Student loans and enhance your education
You will not be denied employment on the basis of bad credit
You will not be denied an apartment lease on the basis of bad credit
You will not be required to pay deposits or a large down payment
When you qualify for credit at the best possible rates, you save thousands of dollars over the term of your loans
And much more. “Remember Life is Better with Good Credit”
Credit Improvement Benefits
You can have peace of mind you will not be denied credit
Knowing that you have taken the steps to improve your credit and now you will be approved for credit whenever you need it.
In case of emergency have access to funds
Even if you are not planning a major purchase, life happens and with good credit you can have access to the funds you need.
You will save money by getting the best interest rates
The goal of our program is a 750 or better credit score. By optimizing your credit scores you will qualify for the best interest rates.
You will qualify for special promotions
If you’ve ever seen commercials on television that offer unbelievably great deals? You will note that it specifies for “qualified” buyers. That means that those with an excellent credit score get those great deals.
You may not have to pay a large down payment or deposit
When you have an excellent credit score you will not be required to put down a large deposit or down payment. Again saving you money.
Monitor your reports for free
Monitor your reports to see any activity. With our program you will be able to get you reports from all three bureaus for free multiple times a year.
Complete and thorough report review
Included in this program is a complete review of your credit reports to help you identify the items that need to be corrected, updated or disputed and removed in order to maximize your credit scores. We want you to get the most out of your program. The goal is to have a clean and accurate report with all three bureaus.
And many, many more benefits…