has anyone had a good experience with these credit repair companies?
i mean wats the deal? can they really clear my file and if so can anyone recommend a good one? basically do they really work and how do you tell a legitimate one apart from all the scams out there..
You shouldn’t pay anyone to fix your credit. You can fix your own credit at no cost simply by writing to the appropriate credit reporting agencies and disputing the inaccurate information.
You will want to read, the FTC’s Credit Repair: Self Help May Be Best brochure at the link below
I have a small computer repair shop. I operate on tight tight finances and my policy has always been that any hardware sold has a 30 day replacement or repair warranty, and there is no warranty on software. I have had many happy customers buy computers from me and have computers repaired with me. I only accept cash, because there is no chargeback risk as with credit cards or checks. Recently I had a customer purchase a laptop from me, bring it back and say she is not happy with it. Claims it will not play video games her son wants to play on it. I told her it is not powerful enough. (Not enough ram or processor speed). There is nothing wrong with the computer. I can’t afford to refund her but she claims its illegal to not refund money. I kicked her out but today I got a summons to appear in court for she is suing my business. I did nothing illegal here, how can she sue?
How can she sue? By not agreeing with your conclusion that there was nothing wrong with the computer. Whether she can win a lawsuit is another question. No law requires any sort of warranty beyond the implied warranties of fitness of merchantability. If the computer works, you have satisfied your implied warranty. You seem to have given an absolute warranty of 30 days, but with a limited remedy. The law in most places allows that.
She has no greater right to cancel the sale than you have to go to her home and demand a return of the computer.
Credit Repair Business Software by DisputeSuite Live Review
Everything changes. No industry stands still. Henry Ford’s Model T was revolutionary, and opened the eyes of the world to new possibilities. But by today’s standards, the Model T, as important as it once was, has its place only in the past. Virtually every aspect of the early model automobile has been improved on, far beyond what Henry Ford could have imagined in his day.
The Changing Credit Repair Industry
The Internet has grown into a vibrant worldwide business community. In this environment competition thrives and new ideas come to life at amazing speed. New participants have entered the credit repair arena and brought fresh life to the business. Some older members have updated their methods; while others, perhaps top heavy with technology, continue to stand their ground even as the earth shifts beneath their feet.
The New Breed Appears
From this dynamic mix has appeared a new breed, the true credit repair professional. This new breed has a true mastery of the craft, and an impressive arsenal of tools capable of delivering results beyond the imagination of the early pioneers in the industry. Everything about the business is changing. And the changes involve you.
Credit and Your Life
There is nothing as important to your financial life as your credit. The content of your credit report, along with your credit scores, will determine the interest rate you pay on everything from your credit cards to your mortgage. The impact of your credit on your life can be staggering, and should not be taken lightly. The word is out.
The Problem of Errors
The three major credit bureaus maintain credit files on over 200 million Americans. A staggering amount of data moves through the credit reporting system. Errors are common and can translate into enormous costs for consumers; and yet, in a terrible percentage of cases these errors go unrecognized. This phenomenon is more damaging than you might think. Identifying errors on your report involves more than just spotting unfamiliar account information. The majority of credit report errors are compliance violations that you will not find without training.
FICO, A Lack of Understanding
Lenders base their underwriting decisions on the content of your credit report along with the numeric value of your FICO scores. These FICO scores have a major affect on your life, and yet few people have any knowledge of how they work. Here again, a lack of understanding results in a huge cost. A well-informed reshaping of your credit may have a dramatic impact on your credit scores. Even simple changes can bring major improvement, yet without proper information this potential remains untapped.
The Credit Repair Professional
The prevalence of credit reporting errors, coupled with a lack of understanding of FICO scores, result in a terrible cost to consumers, often having the greatest impact on those who can afford it the least. The credit repair professional provides an important, and often life changing, service by assisting in the identification and removal of credit reporting errors. In addition, a credit repair professional is a conduit for information about legal rights, rehabilitation opportunities, and credit restoration tools that can be employed to your benefit.
The Results You Need
The goal of a credit repair program is to improve your credit. Along with the skillful identification and removal of reporting errors, the process may include specific recommendations for building new credit, managing existing debt, rehabilitating defaulted obligations, and handling collectors. All of this must take place within the context of optimizing your credit scores. The credit repair professional operates in a fiduciary capacity and will utilize the widest range of tools to insure quick and lasting results.
Personal Service
You are unique, and so is your credit. There is no generic approach to credit repair that will do you justice. No credit repair software has the ability to spot the compliance errors on your credit report, or to determine the proper balance of accounts to optimize your credit scores, or to help you determine the right approach to take with an active collector. There is no one-dimensional credit repair program that will produce the results you deserve. True professional credit repair is about personal service. You cannot afford to settle for less.
What it Means to You
The credit repair professional will make sure that everything possible is done to help you reach your goals. The professional approach to credit repair can mean everything to you. Do you want real results? Do your want to see your scores improve? Do you want your credit to meet or exceed lenders requirements? Wait until you experience what a real professional can do for you!
Jim Kemish, a nationally recognized credit repair and restoration expert, is the president and founder of Sky Blue Credit, a leading credit repair business since 1989. Jim is also the president of Power Mortgage, a Florida mortgage company based in Delray Beach, Florida.
Professional Credit Repair Software Features agreement http://www.pro-credit-repair-software.com
I just wish that some responses in this regard. I owe nothing, but my credit report like I'm more sux extended. Give me some help please. I've heard of a bankruptcy is bad, but, well, at the same time. How is that possible?
New laws (January) said that unless you are the poorest of the poor that you can not get all your accounts of charges in a bankruptcy. What is the use of a treat when you can pay your creditors back by itself or through the CCC. If you do for yourself that will take longer, but end up being credit card and a report credit better than you would if you went through CCC. Ok, so it is too long, place your chips in the freezer, that way you will think twice before again to use. And you get a quote. It used to be that unless you owe more than $ 65,000 or if you are truly overwhelmed with a lot of high medical projects law which has yet to have doctor's appointments because of illness, which should not go bankrupt.
When you file bankruptcy do not have to have a copy of the debt or you can use the ACCT, only the number?
I can not find a bill that I have to put in my bankruptcy, but I've listed on my credit report, and has been handed over to a collection agency (I have a copy of) So since we know the direction of the comany and the account number that is acceptable?
As far as I know, you should be fine. If not, try to get in contact the collection agency to see if it will provide a copy of the declaration of the debt. Seeing as is their debt, I think more or less need to give a copy if you ask. Hope that helps.
