Credit is a necessary evil. It still amazes me how many people do not know what they even have on their reports.
February 9, 2006 (Press Release) --
Press Release
02/09/2006
Credit, is it a necessary evil?
I would probably say yes, as most people would. It never ceases to amaze me how many people have no idea what credit is available to them, or what their credit score even is.
Having some first hand experience with credit issues I would say I am a school of hard knocks expert at the very least. Eight years ago I filed a chapter 7 bankruptcy on bad advice from an attorney.
To this day I can not get a credit card with any substance to it(more than 5000 dollars) or a decent interest rate. After the initial shock of the bankruptcy wore off, I started to hunt for help. What I found was a credit repair agency that promised to (actually guaranteed to) clean up my credit reports. Well,after 3 months and a retainer of over $600.00 I saw no items removed and TransUnion put my file in some sort of special management block,where if anyone called they had to take a message and call me back. Man did that irritate me!
Well, I guess I decided that was strike one! Then, I decided to search out another solution. I came across a website that said they were attorneys, which I guess they had one on staff. They said with a similar retainer of what I paid the other guys, they use legal means to remove items( something like they were powerful attorneys) and the credit bureaus would shake in their boots. 4 months later and several hundred dollars out of my pocket again, they actually had 2 items that did not belong to me go on my credit reports. Go figure!
Having had enough of this crap, I finally decided to take this task on myself. After looking at the items on my report carefully one by one, I found numerous errors that by law had to be removed. I tested my own technique to dispute these items, and amazingly the first round of dispute letters took several items off. The next round did the same. It takes fo;;ow up and certain wording, and other techniques that I developed but is much more effective than any credit repair or so called attorneys ever did for me. I just wish I had tried this at the beginning before one of the bureaus locked me out of my file.
What I do is help people with a step by step download to solving credit dings and inaccurate information. What I put together will save you time and money, let alone a lot of frustation. If you pick up the download I will even throw in a bonus on some great ways to make money. I hope to see you on the road to great credit! The website is:http//www.SuperRepairparts.info
email:suppman@charter.net
To your Future,
Dean Calvert
02/09/2006
Credit, is it a necessary evil?
I would probably say yes, as most people would. It never ceases to amaze me how many people have no idea what credit is available to them, or what their credit score even is.
Having some first hand experience with credit issues I would say I am a school of hard knocks expert at the very least. Eight years ago I filed a chapter 7 bankruptcy on bad advice from an attorney.
To this day I can not get a credit card with any substance to it(more than 5000 dollars) or a decent interest rate. After the initial shock of the bankruptcy wore off, I started to hunt for help. What I found was a credit repair agency that promised to (actually guaranteed to) clean up my credit reports. Well,after 3 months and a retainer of over $600.00 I saw no items removed and TransUnion put my file in some sort of special management block,where if anyone called they had to take a message and call me back. Man did that irritate me!
Well, I guess I decided that was strike one! Then, I decided to search out another solution. I came across a website that said they were attorneys, which I guess they had one on staff. They said with a similar retainer of what I paid the other guys, they use legal means to remove items( something like they were powerful attorneys) and the credit bureaus would shake in their boots. 4 months later and several hundred dollars out of my pocket again, they actually had 2 items that did not belong to me go on my credit reports. Go figure!
Having had enough of this crap, I finally decided to take this task on myself. After looking at the items on my report carefully one by one, I found numerous errors that by law had to be removed. I tested my own technique to dispute these items, and amazingly the first round of dispute letters took several items off. The next round did the same. It takes fo;;ow up and certain wording, and other techniques that I developed but is much more effective than any credit repair or so called attorneys ever did for me. I just wish I had tried this at the beginning before one of the bureaus locked me out of my file.
What I do is help people with a step by step download to solving credit dings and inaccurate information. What I put together will save you time and money, let alone a lot of frustation. If you pick up the download I will even throw in a bonus on some great ways to make money. I hope to see you on the road to great credit! The website is:http//www.SuperRepairparts.info
email:suppman@charter.net
To your Future,
Dean Calvert
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