The unique Credit Repair Magic System is designed by a 28-year veteran of the credit industry, with insider input from former employees of the big three credit bureaus. The Credit Repair Magic System is updated continuously for accuracy--not every four or five years like most programs. It’s a one-of-a-kind system voted the World's Best Credit Repair Program by sixteen independent credit repair review sites.
I was actually scammed by The Alternative Loan Machine $4,200. I know them. They are local to me. I paid them for work on my credit that they assured me would be done. It wasn’t done. They promised a refund. It’s been 3 months and the refund never came. Now, no one answers their phone, returns calls, or is on line at their chat “Help Desk” anymore. All the assurances of preventing scams and ensuring work, ended up all being B.S.
Look at it this way – You can go to court and represent yourself, but you don’t do that; instead you hire the services of a lawyer. You probably have enough knowledge to fix your car; but you choose to let a mechanic do the tinkering. You can build your own house (it might take forever, but yes, it’s doable); why do you opt to get a contractor, instead? And you go to the doctor; rather than prescribe medicine to yourself. See … it’s the same principle as credit restoration; let the experts handle it.
Removing a late payment will take persistence. There are a couple ways to request a removal. The most common and effective way is to call the original creditor and ask for a goodwill adjustment. If they resist, you can even negotiate the removal of the late payment by agreeing to sign up for automatic payments. For other late payments, you can file a dispute against the late payment for inaccuracy.
Credit utilization is the second most important factor when calculating an individual’s credit score. Simply, credit utilization is how much credit you have used in comparison to how much lenders have provided you. For example, if you have three credit cards with a limit of $3,000 on each card, your total credit would be $9,000. Now, say after a weekend of house decorating, you spent $4,500 on your credit cards – your credit utilization would be 50%. Credit utilization is another facet in which credit holders have complete control over. By landing your utilization in the 25%-45% bracket, your credit score will be optimized.
Credit repair is easy but you need to beware of companies that can trick you to part with and lose your money. Some credit repair companies offer an easy fix for your credit score problems and ask for a huge fee. Some even offer an overnight solution, which is impossible because it take weeks, months and years to remove both errors and accurate negative remarks from your reports; even up to seven years to get rid of your bankruptcy record.
Price: CreditRepair.com is now offering an affordable option for people looking for credit repair help without breaking the bank. The price is $49.95 per month, and while this plan offers less of the perks that most credit repair companies offer, it can be a step in the right direction for anyone looking for affordable credit repair. CreditRepair.com also offers a standard service for $99.95, which offers the standard credit repair work along with credit report monitoring and credit score analysis.
Once you resolve issues on your credit report, it’s time to implement a strategy to start improving your credit score. The single best thing that you can do to improve your credit score is to pay current accounts on time and in full every single month. You can picture it as burying negative information under a mountain of positive credit information.
There are many different types of credit repair methods and credit repair companies. Many companies will advertise they have fast credit repair or faster credit repair services than others, but there are many factors that come into play here. Every consumer is in a different situation, but many consumers looking to repair their credit are looking to buy a home relatively quickly. With mortgage guidelines being tighter, credit scores are more important than ever and most consumers don’t realize they don’t qualify for a mortgage until after they are denied for one. Many times consumers search and search for a mortgage company that can be more lenient or “considerate” in their underwriting, but ultimately it all comes down to having good credit scores.
With Dispute Wizard from SX3 Credit Repair, you just need to select the dispute letter template that you want to use (you can have unlimited templates) and the system will randomly generate the content of the letter based on a database of multiple entries, making sure that no letter is the same or even "similar". This guarantees that your disputes will pass the first requirement of the Credit Bureaus and increase the chances of obtaining a result in the first round.
Do not close your secured card until you are approved for a new credit card. Once you are approved for your new credit card, call the bank that issued your secured card. Tell them that you are going to close the account unless they convert you to a secured card. It is always worthwhile trying to get the conversion, and here you will be making a threat that you will keep. Because, if they don’t convert your card, you will close it. That means you will likely end up in retention unit.

Once you’ve answered the question HOW  to start a credit repair business, you must then put together an action plan to ensure that you’re starting a credit repair business that will have longevity, and maintain the highest ethical and legal standards. Education and training are a must, review the opportunities to get live credit repair training in an environment filled with credit repair guru’s and credit repair industry leaders, check out the credit bootcamp to see when the next live event will be.  Kick start a credit repair business with some basic marketing and business planning. Many will start a credit repair business because they have a steady stream of business available to them. Realtors, mortgage lenders, auto dealers, finance companies, and many other professionals have a built in lead source for their new credit repair business.
"CreditRepair.com is about the only email I look forward to receiving weekly. I am so grateful and amazed how CreditRepair.com has made an impact not only on my credit but also in my life, I can breathe again, and the past mistakes are behind me. Thank you to all the Staff that works hard to accomplish the results I was hoping for! P.S. I love the online chat, quick and easy."
If you're living with bad credit, this probably isn't the news you want to hear. The good news, however, is that there are several things you can do right now that will start to improve you credit score. Just keep in mind that there are no magic fixes in the credit world. Credit repair done right takes patience, persistence, and an understanding of how your credit score is calculated. Here are a few ways you can start repairing the damage to your credit score:
"I started CreditRepair.com a couple of months ago and since then my credit score has gone up. I love this service and how they take off the negative items on my report. I would recommend this service if you are looking to repair your credit and get the bad things off your report!! When I get finished with mine my boyfriend is going to sign up and we are going to work on repairing his and taking off any negatives he may have. He too is excited to get his started after seeing the results from mine!!"
Provide to your Clients the ability to track the progress of their cases online. You will receive a subdomain within the Clear Credit University website where your Clients will see YOUR logo and YOUR company’s name. The website offers relevant information about credit reports and other important aspects like credit in general, identity theft and more, emphasizing the use of YOUR Credit Repair Company as the best solution for a fast and reliable credit repair service. The web hosting of this website is also included.
That’s why it’s so important to make sure that the information on your credit reports is accurate. A single mistake on these reports could send your credit score tumbling — and errors aren’t as uncommon as you might think. In fact, a report by the Federal Trade Commission in 2012 found that 26% of participants in a study found at least one potential error on their credit reports. That same study found that 5.2% of the participants who corrected these mistakes saw their credit scores increase enough so that they would be more likely to nab a lower interest rate on a loan.

Excellent comparison, Thanks very much. For the record, I have also used both, and feel there is something that could be added. You are correct about Sky Blue not having the bells and whistles, but they blow away Lexington Law Firm in integrity. When I worked with Sky Blue, they gave me solid advice about what to appeal and not appeal. More importantly, when they had done all they felt they could accomplish, (there were some items they recommended against disputing), they told me and stopped charging me.
The Island Approach also gives you a built-in warning system for overspending. If you ever see finance charges on an account earmarked for everyday expenses, you’ll know you’re overspending. Separating everyday expenses from a balance that you’re carrying from month to month will help you save on finance charges, too. Interest charges are based on an account’s average daily balance, after all.
"I'm very pleased that after all these years I can finally fix my credit, and get it to where it used to be. I never knew that there was a place or company that can help you restore your credit. I'm glad I took the first step to fixing my credit. I'm happy that CreditRepair.com is helping me with my situation and hopefully I can get my house soon. I want to thank CreditRepair.com for taking the time to help me with my situation."
For instance, your credit reports will list a mortgage loan that you are still paying off as open, including the loan’s current balance, the date you took out the loan and the lender behind the loan. Reports will also list whether you have any late or missed payments on this loan and will list whether the loan is open — meaning you are still paying it off; closed — you’ve finishing paying off the mortgage; or in foreclosure.
"At first I was amazed with seeing how many items were being removed from my credit report, but at the same time I noticed CreditRepair.com was showing one score, but when it was time to pull my report and score again, they didn't even come close to what credit repair was showing. That was very frustrating to me. I joined November 2013 until July 2014, and sacrificed the $89 a month. I was with the program 8 months. I possibly would join again."
Obsolescence is a HUGE problem with downloadable credit repair software; many of the older software’s were designed to run efficiently on 32 bit computers. Now without getting too technical, consider how fast technology is changing, a 32 bit compute is easier to find at an antique shop or garage sale than it is to find in an office supply store. When expanding a credit repair business, more computers are needed to keep operations efficient, if the computers needed to run an operation are outdated, it will be nearly impossible to rapidly expand.
Reducing your balances on credit cards and other revolving credit accounts is likely the better option to improve your credit utilization rate, and, subsequently, your credit scores. Consistently making on-time payments against your debt will also help you build a positive credit history, which can have additional benefits for your credit history and, by extension, your credit scores, too.

We’ve spoken to hundreds of people that desire to be in the credit repair business. The vast majority were interested in learning how to pull credit, how to analyze credit reports, and draft dispute letters. Those are NOT the skills you need to build a successful credit repair business. Those are skills you need to work as an employee for a credit repair company!
If the dispute is not resolved in your favor, you have the right to add a 100-word statement to your file explaining the issue. This is called a consumer statement. This may not be very helpful, however, since many creditor’s either won’t see or won’t read the statement. You may be better off hiring a consumer law attorney or contacting the Federal Trade Commission.
Price: CreditRepair.com is now offering an affordable option for people looking for credit repair help without breaking the bank. The price is $49.95 per month, and while this plan offers less of the perks that most credit repair companies offer, it can be a step in the right direction for anyone looking for affordable credit repair. CreditRepair.com also offers a standard service for $99.95, which offers the standard credit repair work along with credit report monitoring and credit score analysis.
Re-Imagined to Ensure Your Competitive Edge in Today's Market. Completely rebuilt from the ground up with today's competitive job market in mind. Get dozens of brand-new video tutorials, written notes for each lesson, transcripts, and 10+ in-depth, practical case studies from around the globe. Achieve the deep conceptual understanding that bankers are looking for, but rarely find - and discover how to use modeling in real life to outperform your peers on the job.

The ICFE's Certified Credit Repair Specialist (CCRS™) program is the nation's premier comprehensive training and certification specifically developed for credit industry professionals who are dedicated to educating and assisting consumers, clients, customers, businesses, and the general public in credit reporting, credit file correction a/k/a credit repair. Also included is credit scoring plus how to maintain a good report and high score. With the birth of the Consumer Financial Protection Bureau (CFPB) in 2012, it took over the enforcement of the FCRA/FACTA laws from the Federal Trade Commission (FTC) which resulted in many new rules and regulations for the credit services industry.
Building a successful credit repair business on your own is practically impossible. There are too many variables to take into consideration and aspect one needs to be mentored or gain experience before delving into this industry. We genuinely believe that every single video in the training video module of the software is the best the credit repair industry in the country has to offer, and this is nothing short of the truth. Every beginner typically lack the adequate skills and experience required to build a successful credit repair business; even an average person would be unable to thrive in the industry successfully, level of knowledge and experience required would serve as a barrier. In our software, there are 74-HD training videos specially created to meet all your credit repair needs in details. With this at your grasp, I can confidently say you’re a few steps away from being an expert. These videos would easily sell-off for $2,000 as a stand-alone product, but you get it for free once you become a paid member. (All trainings are in video format).
"I had no hope. I thought I would never be able to build my credit; I could not even get approved for a gas card. CreditRepair.com turned all of that around with their equipped skills and fast attacking methods; my credit is finally getting where I want it and now I'm looking into buying a house... CreditRepair.com is a team that makes dreams come true. Thank you CreditRepair.com!!!"
Every time you apply for a credit card, line of credit, or other loans, an inquiry is made to your credit report. While new credit is the least important factor in your score, it is still an important issue to consider. When you are shopping for a new loan or credit card, do your shopping in a relatively short period of time. So to avoid these inquiries, apply for new credit only if you must.
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