Credit Repair Truth
Credit Repair Programs, Debt Relief, and Credit Counseling Services may seem like your only hope, but if you don't read this whole page, you are in for a BIG BAD SURPRISE!
Whether you are searching on the Internet or watching TV, there are some very important things you must know about them BEFORE you get involved. You are about to find out the TRUTH that will save you Thousands and actually INCREASE you Credit Score!
The Federal Trade Commission(FTC). The government agency that protects the consumer from deceptive and misleading Trade Practices, clearly warns against companies claiming to “fix” your credit. They warn in no uncertain terms, NOT to use these Credit Repair, Credit Counseling, Debt Relief, or Credit Care Companies. The FTC also states, “ any of these Credit Repair or Credit Counseling Service claims of what they can do to improve your Credit Score, can easily be done yourself.”
Why do you think there are SO many Credit Repair Companies? The answer is simple, it is easy and inexpensive to do what they do, which is basically nothing. You can do a MUCH better job in less time, simply following some easy instructions!
These Companies are nothing more than “Credit Repair Mills.” Some even use .org after their names to make you think that they are some kind of non-profit agency, but they are not!
They handle Credit Reports (and customers) as though they were herding cattle to slaughter. They simply use a computer program that does all of the “work” for them and have a big sales staff(no Attorneys, no Paralegals, and absolutely no Certified Credit Counselors), just pushy salesmen.
The HUGE majority of these repair bad credit companies that you see on TV and the Internet are owned by entrepreneurs. They saw an opportunity to cash in on this growing industry, that is increasing at a very rapid rate.
Even though they ALL boast of "years in business", practically none of these companies started to do Credit Repair until very recently.
These "Credit Mills" just create a standard dispute form letter and mail or fax it to the Credit Bureaus every 30 to 60 days.
You could easily do this yourself, along with other things to really speed up this process, but you need to know the techniques to do this. You don’t need to pay anyone a big chunk of money or a monthly fee for doing something you can easily do yourself!
Please tell me that you don't truly believe that they have a “team of Lawyers" or "Specialists” that are going to create new letters and send them to Creditors, Courthouses, and Collection Agencies on your behalf each month. They don't and they won't!
Doesn’t it sound more realistic that they are just going to use a program on the computer that creates letters and sends them out to the Credit Bureau, disputing negative accounts? Then they will do it again and again every 60 days. IF you signed a year long contract with them it’s a total waste of time and money, you can expect minimal results, if any at all!
They ALL want you to believe that this process "takes time," that also is not true. They use this time excuse to justify continuing to charge you every month. There are simple, easy to follow steps that allow you to be in control and get this done FAST.
These Credit Repair Services will take your money and leave your credit worse off than when you started. You should NEVER fall for ANY of this hype you see or let them talk you into some sort of "payment plan."
YOU can do for yourself what THEY promise to do and more easier, quicker, and A LOT cheaper. After researching almost every " Credit Repair " Program the following are the only ones that actually work, make it very simple, and help you get real results:
5 out of 5
Miller’s 24 Hour Credit Fix is firmly stationed on the top of
list and using this information will save you from getting robbed by
some fly-by-night company. It is far
and away the best do-it-yourself Credit Repair Program we have ever
seen. The reason
is simple: Rick is the REAL DEAL! He has years of experience as a Loan
with a Major Bank and really was the Manager of a Major Credit Bureau
almost five years. The Rapid Rescoring and Quick
Techniques you will be guided through will repair and even Increase
learn the techniques, tips, and tricks that Credit Repair Companies claim to use
repair credit, but it won’t be a long drawn out process.
Dragging it out is one
of the main ways these so-called Credit Repair Companies justify
so much. This information puts YOU in control of this process! Rick
makes sure that you understand how to
purchase a Home to increase your credit score, get unsecured loans,
high limit credit card, settle your debts for a fraction of
what you owe, and much more. All the time INCREASING your Credit Score,
unlike the so-called
Credit Repair Companies that will ruin it!
you will know everything that Credit Repair Experts know and you can
using that knowledge immediately. The Bonuses alone that you receive
24HrCreditFix.com are easily worth the price
of the program. If you truly want to Repair Bad Credit and come out
even Higher Credit Score this will absolutely show you step-by-step How
To Do It. With the
Bonus Material, On-Going Support, and Guidance, 24HrCreditFix
is the Best
found bar none!
it out for yourself:
out of 5
is authored by David Reese. David has years of extensive experience
with a well
known Credit Repair Company. His insider knowledge and expertise in the
workings of the Credit Repair Industry will help you achieve your
FAST! David will take you step by step through repairing your own
therefore eliminates the fees and negatives associated with going
credit repair company.
Secrets Revealed Guide will give you
simple techniques to repair your credit report at any major Credit
Bureau and these techniques are extremely valuable for anyone with
blemishes on their report. David will show you how to eliminate late
bankruptcy, charge-offs, tax liens, and others. This is all explained
to follow steps and there is no need for any outside help.
credit repair “specialist” will tell
you that it is almost impossible to repair your credit and that it
takes a long
time. David Reese shows you how to repair your bad credit and do it
information insists that you stay away from online credit repair
basically take your money and do nothing, but let time itself take care
actually provides you with his private email address and it
is this combined with the easy to follow information that ranks this as
one of the best.
check it out for yourself: Click
out of 5
actually 650-800CreditScore.com is one of the better programs
that we have tested. There is a significant amount of information and
step-by-step guidance to help you with cleaning up you Credit Score.
The is a lot of good information about correctiing errors, minimizing
the effect of bankruptcies, repossessions, tax liens, and late pays.
You will certainly come out of this program with a very good working
knowledge of how the system works and how to implement various
techniques that will definitely help your credt score. This makes our
list because it is not just hyped up information that is not tried and
tested, it actually works! It is worth the money, but this is no
comparison to 24HrCreditFix.com which you can get for the
check it out for yourself: Click
3.0 out of 5
Moore created the Bad Credit Bomber to
help those that are suffering through the negative emotional and financial consequences
Credit. A low Credit Score assumes that you have Court Judgements,
Bankruptcies, and other serious issues when that may not be the case.
If you do
have those situations it does not have to be the end of good credit.
shows you why in clear concise terms.
system will help you to clear your
credit report by
following a clear cut
set of steps, but you MUST follow the steps in the order specified.
understands that Credit Problems can keep you from leading a normal
make you feel helpless, so he deals with those issues as well.
is very complete and thorough information. It offers 9 letter
are plug n play and can be systematically used in many different
situations. Using these cut and paste techniques can be useful and
sometimes, not so much. Dave is pretty good at helping you to
understand where and when to use the specific tools. He
also helps you to understand the loopholes in the Credit Bureau Process
repair your credit fast through uncomplicated and easy to understand
This program is relatively new even though the information
is legitimate, but we have not fully seen all the results. It may move
the rankings, but it will have to really show us something to justify
check it out for yourself: Click