We believe that it is absolutely necessary that consumers are made explicitly aware that most credit problems information is FREE and readily available. Also, there is nothing that a credit repair firm can do that they can't do themselves with the proper knowledge. However, just like any subject matter, there is a learning curve and many need assistance right NOW. No one should have a problem with a consumer willing to pay for clarity and a better way to navigate the system. This is what any good consultant will do in any industry.
If following the steps above seems daunting, some organizations specialize in paid credit repair services. Most of the services require a monthly subscription fee between $60-$100 per month, and most reviews report that the negative items are completely removed within 3-5 months. Despite the high cost, legitimate companies provide a valuable service if you’ve been the victim of identity theft and you want someone else to do the work for you.

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.


And don’t forget to factor in the price of your time. If you’re disputing mistakes on your reports, it can be time consuming, but less so if you hire a professional to do the heavy lifting for you. Either way, it’s important to do what you can to improve your credit scores. After all, better credit opens you up to more opportunities for improved terms and conditions and benefits in the future, potentially saving you thousands on interest over time.
There is more to the credit repair business than that which meets the eye. Running a credit business requires both experience and a perfect understanding of all aspects of the craft. Anyone with prior encounter or experience with credit repairing can start a credit repair business; the hitch comes with being successful at it. This success can only be achieved through a seasoned understanding of all functioning aspect of the business. Over the course of this 30 days free class, we will teach you step-by-step all that it takes to start a credit repair business and be successful at it. An email containing training and tips for every necessary information you need to acquire will be sent to you daily, consistently ensuring your progress and development in the understanding of what the credit repair business requires. All this at a very comprehensible baby step pace (email training).

Keep the first secured credit card you received, even if you don’t use it later. This card will establish the length of your credit history. Most people choose a no-fee rewards card or a bank credit card as their first credit account, so it doesn’t cost anything to keep the card for the length of your history. You can see a list of good no-fee rewards cards here.

Six videos that will cover everything you need to understand and repair your credit “What credit repair is and how it works”, “Obtaining and understanding your credit reports and scores”, “How to dispute with the credit Bureaus”, “Identity theft disputes and fraud alerts”, “Pay to delete process and strategy (debt negotiation)”, and “legal liabilities, statute of limitations, and advanced dispute tactics”. (All videos available immediately)
The magic formula for determining your credit score isn’t publicized, but there are some general guidelines. For instance, experts say your credit utilization (your debt in relation to your credit limit) should be below 30%, and ideally 10%, for the best effect on your scores. This means that closing credit accounts may actually be a bad move — it’s wise to do the numbers with a professional.
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