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Thread: The TRUTH About Credit Repair...

  1. #1
    Senior Member Site Admin
    Join Date
    Jul 2008
    Posts
    467

    Arrow The TRUTH About Credit Repair...

    Have you ever wondered what companies
    send you when they claim you can erase
    bad credit overnight? How about those
    ads that say you can get any major
    credit
    card without a deposit or a credit
    check?
    http://viralurl.com/cents/credit
    Ads abound almost everywhere
    these days (online and off) selling
    books, systems and secrets to
    help you fix your credit. Many
    of these programs have claims
    which read like the covers of
    supermarket tabloids:

    "In 3hrs my credit score jumped
    from 580 to 676!"...

    "Erase bad credit and smash your
    debts with just 2 Magic Letters!".

    Are these types of claims ALWAYS
    too good to be true? The answer is
    "Yes and... no".
    http://viralurl.com/cents/credit
    While many people would love for
    you to believe the only thing that
    can fix bad credit is time; in
    reality... nothing could be further
    from the truth. The fact is, time
    is only one factor which can fix
    a credit report, but it's a far cry
    from being the only factor. How
    can I back this up? Easy.

    Under a consumer protection law
    known as the Fair Credit Reporting
    Act (a.k.a. the FCRA) the only
    negative information which can
    remain on your credit report is
    not what is accurate... but what
    can be proved as accurate under
    the FCRA. What's this mean
    to you?
    http://viralurl.com/cents/credit
    It means any negative item on
    your credit report can only remain
    there if it is accurate and CAN
    BE PROVED AS SUCH under the
    guidelines of the FCRA. This
    undisputable fact presents
    consumers with both good
    news and bad news.

    The good news is that through
    the FCRA your credit score can
    most likely be improved dramatically
    in a very short period of time with
    only a modest amount of effort on
    your part.
    http://viralurl.com/cents/credit
    The bad news is that while the
    actual "work" will take very little
    of your time, it is vital that you
    have good information on "how"
    to go about it. This is the bad
    news; 9 out of 10 courses on
    restoring your credit will do nothing
    more than lead you into snake
    pits because they will provide
    you with what the industry refers
    to as "Boiler Plate" dispute letters.
    These are nothing more than form
    letters and... quite frankly (more
    bad news) the Credit Bureaus and
    Creditors will laugh at you if you
    try to use them.

    While I agree with the Federal Trade
    Commission (FTC) that "Anything a
    Credit Repair Clinic can do for you
    legally, you can do for yourself at
    little or not cost"... the key element
    you need for success is the latest
    inside techniques and procedures
    to get the results you want. This
    involves strategies such as "Proof
    of Contract", "Constructive Notice",
    "Challenge of Procedure" or
    "Restrictive Endorsement" and many
    others.
    http://viralurl.com/cents/credit
    All these terms may "sound" impressive
    but they are really quite simple. In
    the
    end, it is nothing more than a method
    of communication which exercises your
    consumer protection rights, gets the
    results you want and raises your credit
    score. Even more impressive, once you
    learn how simple it can be by doing it
    for
    yourself, you will find there is a
    fortune
    to be made doing it for others! Either
    way, it all starts by requesting a free
    copy of your credit report here:

    http://www.AnnualCreditReport.com

    In the next segment we'll talk about:

    "Is Your Credit Score Costing
    You A Fortune?"

    =======================================
    The "CREDIT SECRETS BIBLE" has been in
    print since 1994 and is published by
    Consumer Publishing Group.
    For more information on the "CREDIT
    SECRETS BIBLE"
    you may visit:

    http://viralurl.com/cents/credit
    =======================================

  2. #2
    Senior Member Site Admin
    Join Date
    Jun 2008
    Posts
    7,191

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