Debt Relief , Debt Elimination, Debt Consolidations and Debt Reduction Companies and are showing up everywhere. Whether you are searching on the Internet or watching TV, there are some very important things you must know BEFORE you trust them with your credit. You are about to discover the TRUTH and it will save you Thousands, a lot of grief, and actually INCREASE you Credit Rating!
The Federal Trade Commission(FTC). The government agency that protects the consumer from deceptive and misleading Trade Practices clearly warns against Debt Resolution Services claiming to “fix” your credit. They warn in strong terms NOT to use these Debt Repair, Debt Elimination, or Debt Consolidation Companies. The FTC also states, “ any of these Debt Relief 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 to follow 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 consumers) as though they were herding sheep. They simply use a computer program to do everything for them and have a team of salesmen(no Paralegals, no Certified Credit Counselors, and absolutely no Attorneys), just rude salesmen. Many are just trying to sucker you into high interest Debt Consolidation Loans, that are supposed to be unsecured loans for getting out of debt, but will damage your Credit even more.
The HUGE majority of these Debt Resolution Companies that you will encounter are owned by entrepreneurs who saw the opportunity to profit from this growing industry, that is rapidly increasing. That is why you see SO many advertisements and ads that you have never heard of before. Even though they ALL brag about "years in business", none of these companies started doing Debt Services until recently. They opened an office and bought the software!
These "Debt Mills" just create a duplicate dispute letter and mail or fax it to the Credit Bureaus every 60 to 90 days. So what! You could easily do this, along with other methods, to really accelerate up this process, but you need to know the secrets to doing this. You don’t need to give anyone a big sum of money or an ongoing fee for doing something you can simply do on your own!
Don't tell me that you actually believe that they have a “group of Lawyers or Specialists” creating new letters and calling the Credit Bureaus,Creditors, Courthouses, and Collection Agencies on your behalf They are not!
Isn't it more realistic that they just use a program on the computer and create letters to send to the Credit Bureau and Creditors disputing negative accounts or late payments? They do it again and again every 60-90 days, if you signed a year long contract with them. It’s a total waste of time and money dealing with Debt Negotiation Programs and you can expect minimal results, if any at all!
They ALL want you to believe that this whole thing just "takes time," that also false. They employ the "time" tactic to continue charging you. There are easy to follow steps, that put you in control and will show you how get this done FAST.
These Debt Reduction Services will basically steal your money and you credit will be worse than when you started this. You should NOT fall for this hype or let them push you into some sort of "payment arrangement." YOU can do yourself much more than THEY claim, easier, cheaper, and A LOT FASTER. After going through almost every "Credit Repair" Program, below are the only ones that truly help YOU, make it extremely simple and inexpensive, and do what they promise:
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
One Time: $47.00
To check it out for yourself: Click Here
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
To check it out for yourself: Click Here
out of 5
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 same price.
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.
This program is relatively new even though the information is legitimate, but we have not fully seen all the results. It may move up in the rankings, but it will have to really show us something to justify the price.