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Presented by Daniel Toriola Credit repair counseling can be employed in many directions; to prevent debt, to get out of debt, and to stay out of debt. Credit repair takes place over a couple of months and there are various steps involved in order to increase your credit score. Click here to know more What Can 5 Bucks Get You? To Start with, 50Gb Web Space, 1 Terrabyte of Data Transfer /month, Unlimited emails IDs and more! Hosted on Blazing Speed Quad Core Servers Only. Click here to know more Credit Repair and Self Empowerment By Jim Kemish Credit Repair Revelation Wake up! The credit reporting industry is flawed and you may be paying the price. But you are not helpless. A credit repair expert reveals shocking facts that may spur you to action today. Credit Repair and the FTC Smoke Screen The FTC did not set out to do you wrong. Without a doubt, they are well intentioned and have your well being at heart. Unfortunately, the heavy-handed FTC campaign against the bad apples in the credit repair business has tainted the rest of the barrel and has unintentionally imposed a terrible cost on consumers. The Credit Repair Conundrum Credit repair is in a similar class with taxes and healthcare. All of these are of great importance and are somewhat shrouded in mystery. The more important an issue is, the more likely it is to evoke fear. There are few things as important to your financial wellbeing as your credit, and few things as complex. Millions of people ought to be seeking credit repair help, but when they encounter the FTC warnings at the outset of their efforts it is often enough to stop them in their tracks. The social cost of this delusion is enormous. Credit Repair Good Guys It is true that there are bad guys in the credit repair business. The last time I looked this was true of every industry without exception. As of the time of this writing the bad guys in the credit repair business are fewer than ever, and a significant number of credit repair good guys have emerged. These white knight companies deliver essential and valuable services in a professional manner to the great benefit of their customers. The Prevalence of Errors There are several reasons credit repair is an essential service in today’s world. The product produced Credit Repair Solutions Do you know what's on your credit report? Secrets of Credit Repair. Page 1 Presented by Daniel Toriola by the credit bureaus is enormously influential. You might not think of credit reports as products, but that is exactly what they are, no different really from automobiles or computers. They are assembled, passed through a quality control process, and sold. Unfortunately, like many other products there are flaws. The Crazy Cost of Errors The flaws in the credit reporting system can be as dangerous as a manufacturing flaw in an automobile. Your life can depend on the quality of the product you buy and your credit report is no exception. About seventy percent of all credit reports contain errors. Credit report errors can lead to higher interest rates and loan denial; these are life-changing consequences. Credit Repair Reality Congress spent years debating the fearful impact of the credit bureaus on our lives. The legislation they hammered out is called the Fair Credit Reporting Act (FCRA). In a way this is a consumer protection law, but it is equally intended to protect the three national credit reporting agencies we refer to as the credit bureaus. It is true that congress was heavily lobbied by the credit reporting industry during the creation of the FCRA, but I can’t cry conspiracy. There are economic realities involved with running any big business and these must be respected. Look Out For Yourself Congress had little choice but to attempt to balance the need for credit-reporting accuracy with the economic restrains of quality control. The end result is simple. Credit reports are as accurate as they are going to get, and consumers’ better look out for themselves. The creation of AnnualCreditReport.com, the site where you can get your credit reports once a year for free, is a stipulation of the FCRA and an attempt by congress to provide us with an opportunity to manage our own credit repair efforts. Overcoming Inertia You just need to get off your butt. Inertia is natural when we are faced with any confusing task, but like jumping into the water it’s not so bad once you get into it. Get your credit reports. Start your credit repair project. There are numerous ways to do this. Not withstanding the deceptive advertising of dozens of websites that offer so-called free credit reports, AnnualCreditReport.com is the only site you can get your reports for free. On the Other Hand This is not to say that it is the best site to get your reports for free. On the contrary, in spite of my approval of the creation of the site, it’s really pretty difficult to maneuver. Personally, I’d spend a few bucks and get a simple tri-merged report. If you look carefully through the TrueCredit.com site (A TransUnion site) you can get a great tri-merged report without joining their monthly program, for $14.95. Hire a Credit Repair Pro Many people find the prospect of digging into the credit repair project just too much to handle. If you Credit Repair & Collection Agencies Credit Repair & Debt Collections Help For Consumers. Page 2 Presented by Daniel Toriola are busy and have enough going on in your life without taking the time to figure all of this out, just get on line and find one of the credit repair good guys. There is plenty of credit repair help available if you need it. Either way, it’s your credit, so please take care of it! Copyright © 2008 James W. Kemish. All Content. All Rights Reserved. Jim Kemish, a nationally recognized credit repair expert, is the president of Sky Blue Credit, a leading credit repair service since 1989. For more infomation visit http://www.skybluecredit.com Dedicated To Helping Your Score Soar! Our ebook & Super-Charged Credit Empowerment Pack is a tutorial that's formatted as a credit resource guide. Page 3 Presented by Daniel Toriola What a Credit Repair Services Company Can Do For You By Joseph Feross There are so many people that don’t have good credit for various reasons. Most people know that in order to get some of the best credit cards and to buy things on credit, your credit score has to be good. One way that you can increase your credit score is to get credit repair help. There are credit repair services available that can help people who find themselves in that situation. Credit repair can help those not only just to increase their credit score, but it will also assist them in getting lower interest rates on loans, credit cards, etc. A company that specializes in credit repair services can help with that. The process can be done through different entities or agencies that specialize in this. You will find different companies and related entities on the internet that specialize in credit repair, but even with that you must be on your Ps and Qs. They should be checked out thoroughly to make sure that they are legitimate and reputable. Anyone can advertise online for credit repair services, but they are not necessarily the real deal. Once you find a reputable credit repair company, they will work with you to get your credit scores where they need to be. Most if not all that offer credit repair services will charge a fee. It’s usually a onetime enrollment fee. The counselors will go over your credit report with you and determine what needs to be done. This service is not an overnight fix; it can take some time to get your credit where it should be and to increase your credit score. Credit repair services companies that specialize in credit repair know the laws and they have to abide by them, just like everyone else. They work to remove items from your report that should not be there. In particular, any negative items that should not be there are some of the first to go. Your credit will remain the same if they are allowed to stay on your report. A credit repair services company will engage in credit repair for the consumer where the credit bureaus may not bother to touch. They will work for the consumer to get them a higher credit score. The higher your score, the better chance you have of getting credit and loans. Since it will take a while for the consumer to see results, they will need to be patient during the credit repair process. A credit repair services company will work to get the derogatory information from your credit report, but there is a matter of making correspondence to the credit bureaus for assistance. The bureaus are given 30 days to follow up. By then, they will need to show their findings of any inquiries and credit disputes. You will also have to do your part by helping in the credit repair process. The only way a credit repair services company can help you is for you to provide them with the information that they need. The more information you provide to them, the better chance you will have of cleaning up your credit. This article is brought to you by Joseph FeRoss and the credit repair experts at MSI Credit Solutions as well. For more information about credit repair services please visit http://www.msicredit.com Credit Repair Information For Canadians Canada specific credit repair information. High conversion, highly targetted niche sells very well. Page 4 Presented by Daniel Toriola Related eBooks: What a Credit Repair Services Company Can Do For You How Credit Repair Services Can Get Rid of Erroneous Information Why Credit Repair is Important Checking Up on a Credit Repair Business Three Signs That You Need Credit Repair Help Get more Free PDF eBooks at FreePDFeBooks.com Related Products: DOS Made Easy Handywoman's Home Repairs Disaster Preparedness and Crime Protection Manual Mind Power Creative Thinking Home Remodeling Secrets Malamaal.com: A genuine resource center for Quality Ebooks and Softwares This PDF eBook is for free Distribution only, it cannot be SOLD Beat Gum Disease & Tooth Decay! Put an end to tooth pain, bleeding gums & expensive treatment. Fast & easy methods for keeping your teeth healthy for life. Click here to know more Powered By FreePDFeBooks.com ReBrand this PDF eBook with your Name / URL / ClickBank Affiliate ID for Free Credit Repair - Erase Bad Credit Now! Delete All Bad Credit Within 1-3 Months. 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