Philip Manger Group- Loan Approval Assistance

FOR IMMEDIATE RELEASE
(Free-Press-Release.com) June 17, 2010 --

Philip Manger Group knows that applying for jobs these days is a pride swallowing exercise. Employers want to know everything if we are talking about a non menial career job, employers want college transcripts, social security info, but more importantly they will often do a credit check to size you to determine if you are a worthy candidate or not. If you have a 700 FICO you are home free in other words you are a good bet, a trustworthy and responsible fellow. Take the FICO down a notch to 650 you are in questionable territory however it might be overlooked because of the state of the economy, south of 650 in the neighborhood of 600-620 and lower you have a very slim chance of landing a good job, or for that matter even getting past the first interview. FICO is the 21st century version of the scarlet letter, it is about as shallow and incomplete a measure of worth and character as trying to judge intelligence by where someone went to college or what score they got on a standardized test. With all of that said it is still a reality in our culture and people need to understand that they can do constructive things to improve their credit scores in a relatively short period of time.

Credit restoration is one of the constructive ways to go to improve your credit score significantly in as little as 90-120 days. Credit restoration utilizes the Fair Credit Reporting Act (FCRA) which is a federal consumer statute that regulates the way in which Credit Reporting Agencies report derogatory trade lines and the method and practice of how they maintain the information that verifies the derogatory trade line. Long story short is that a consumer can dispute negative trade lines based on a lack of compliance with certain sections of the FCRA statute such as sec 609 and sec 611 which mandates that certain information be made available to the disputing consumer in its original form. It is a systemic reality with regard to the FCRA that the Credit Reporting Agencies simply do not maintain the mandated data in its original physical form, which in turn obligates the CRA to remove the derogatory trade line from the credit report permanently not to be reinserted. Consumers can do this disputing process on their own just as a consumer can change the oil in their own car, however the consumer has to ask him or herself if they have the time and experience to complete this involved administrative process effectively? Philip Manger Group believes that if you are a regular, intelligent although very busy American it might be wise to hire a company that has expertise in the FCRA disputing credit restoration process and successfully does so every day, there is something to be said for "specialization".

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Philip Manger Group is one of the leading credit and debt relief wholesalers in the United States. We provide access to the best debt and credit relief companies in the US and Canadian markets as a result of our proprietary vetting system that separates the most effective and cost efficient consumer solutions from 99.9% of the status quo and unworthy candidates.

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