Help My Credit Score

How we help    We Raise your mortgage credit score and get you qualified for more house and better financing programs, no mater who you have applied with . This translates to lower payments and 0 down programs you would not get anywhere else. Realtors and loan officers dont have the experience to represent you in these areas like we do.. Alternatives that are out there use the Lexington law approach techniques  affiliate marketing spam techniques to get clients but if you read their own materialon their "Results?"   Take the amount of clients they say they have had versus the amount of deletions they claim and it comes out to just 2 items off of your 3 reports in a year! You need a firm that goes after your needs; not just send form letters in the mail . We show you how the laws that enable you to proecute the credit bureas, creditors and colleciton agencies for making mistakes. They are like the tobacco companies and have a monopoly on your credit -how they use it to maek them billions without you rpermission and their negligence in not following the law. We show you how to fight. We show you what to do to get your finances looking good enough to get the best financing out there. No credit repair company fights for you and has the experience in analyzing your finances to help you qualify for the best mortgage out there. Our staff does. Since 1989 we have helped in ALL facets required to get your credit up to speed, put the power back in your hands and look better to lenders. Everyone else is following our coattails. They may look bigger because they spend millions in advertsing but we are more effective in our financial expertise or your money back* ORDER NOW        What you can do yourself? These are the first steps specialized law firms and trained professionals use. Make sure your name, social, date of birth, address and employer are accurate on all 3 reports. If they say they "verified" an account then you can get it deleted because they had your wong information.   Make sure all balances are correct and no accounts are over their limit. Get letters of  proof of error, derogatory and not to submit to your mortgage lenders "rapid resolve" service(if they try to charge you then use us ).   Duplicate items, derogatory or not, can be deleted immediately.   See if any credt on your reports are reporting as an authorized user. You can get your name off and have it off your credit if it is hurting you.   Derogatory Items that are over 7 years, Chapter 7, 11, and 12 that are over 10 years and tax liens over 15 years can be automatically deleted.   Items under bankruptcy showing duplicate (or more) on your credit report. Once its under bankruptcy they cant report it any other way,they use different codes so the old one still stays on there because they forget to delete it.   Make sure the late payments that show on your report are correct. Many times creditors make errors on the month you were late. If you were not late the times they said (even if you were late on months they didnt report) the law says they have to delete them.     About Credit Bureaus: They are not a government Agency. They are busnesses like the tobacco companies. They created their own industry and spend millions of dollars a year to "protect" their image and their multi-BILLION dollar income. Credit Brueaus do not Investigate your request . They merely ask the creditor, who pays them, if there is an error.  Your basic information is sold by them to whoever signs up with them . The reason you have so many credit offers in the mail? Most of it is from them. Credit bureaus make it hard to dispute your report by not giving you online access for your legal right to a free copy. They spend millions in washington, like the tobacco companies , to lobby legislation to their favor and to avoid lawsuits that should be brought on by the FTC . Depending on where you live your information is stored with "contract providers" NOT with them. Yet they charge anyone wanting information about you even though they dont handle it. When they report something wrong and you dispute? they send it to the affiliate (read pages 8 on). Credit bureaus do not validate your items on your credit, they merely "store" what they are given . There are millions of errors a year which go unchecked. The FTC does not go after them as much as they should because YOU the consumer don't complain. Just like the tobacco companies that are allowed to put poisons in cigarettes, The government didn't start doing anything till YOU made them. Isn't it time to stop the abuse and unfair money they are allowed to make.  Read on! The power of YOU! it's time to get your rights back and go after the credit bureaus like you did the tobacco companies!   Everyday the credit bureaus sell your information.   Just like tobacco, they lobbied with the government and have it set up to where they can automatically sell your name, mailing address and other information to retailers and creditors  that send junk mail. Opt out now! (send certified)   Sue them if they don't comply.  Just like it's your right to dispute your credit, you can sue them in small claims court when they violate your rights!   The FCRA and FDPCA  are writen for your protection and through understand it you can do to them what concerned citizens did to the tobacco companies.                  Statistics A credit score change from 590 to 650 (or 640 to 720)saves you in many ways on your next mortgage: Pay less origination fees versus "sub prime" lender Less closing fees and lower cost of standard fees Not having to accept prepayment penalties (standard on subprime) Qualify for 0 down no PMI programs (not avail on subprime) Total savings between deals? Over $10,000 on average loan!  Over the life of the loan the difference can be hundreds of thousands! If you are buying a home, even if you can qualify with a low score your offer will be considered last to offers with higher scores. Do the things to the right and you can save yourself thousands of dollars and get back your financial life!     OK ready to Dispute it yourself? Why most disputes don't work! Top 4 reasons your dispute will get ignored: You didn't Include your name current address, social security number and date of birth. You didn't include a photo ID and the front page of a recent bill to prove your residence. You didn't use the correct terminology (read pages around 48 but definately pg 48) when you actually did! You didn't send it certified and notarized. They will say it they never got it and it "must have got lost in the mail." Top 3 reasons your dispute will not come back in your favor: You didn't give enough information You gave too much information and they will slant what you said. You use "self help" credit repair letters in stores and the internet-Credit Bureaus will say they won't investigate from 3rd parties(yet this is legal to do as per FCRA)or will pretend they didn't get it or send "frivolous" form letter. Dispute the errors of reporting not just the account! Credit Bureaus say in promotinoal material they " investigate ."  THEY DO NOT!.   They will tell you they investigate. They do not investigate, only verify.  They send a premade form with check boxes for the creditor to mark yes or no to and the credit bureau takes their word. Ms. L Fasheh writes; "they said they verified I had a mortgage that went into foreclosure in 1962! I'm only 26 and wasn't born then yet they said they verified it!"   If the courts did an investigation lie they did it would go like this:  Judge to Defendant: They say you murdered someone, did you?" Defendant: "No" Judge: "OK then, case dismissed!" You laugh but its just like that.   Reading this depostion of an Experian trained legal spokesperson shows how they dance around the law.   They play a game with the FCRA, FTC and you because they have a Multi-Billion dollar industry to protect.  Yes that's right a Multi BILLION! and that's Multi-Billion dollars of revenue EACH!  Just like the tobacco companies they tell you what isn't true, hide the things that don't show them in the best of light and fight to keep you from getting you rights enforced.   They have created an image that they are some kind of government agency and you should be ashamed of yourself for trying to correct items but the credit reporting business is a monopoly of profit earning corporations at any cost. They spend millions in propaganda to keep making billions. Wouldn't you? if you could get away with dong whatever you want and make billions and only get fined a million dollars by the government and allowed to continue violating the law? Rmember the FTC fined them and ALLOWS them to stay in business. Other businesses are put OUT of business if they had practices like they do!   Their employees are trained to spin you around and dance around the truth and make you give up when disputing items .  As this deposition shows you , they know how to dance around the law.  A court case against experian had in evidence this disputing client's statement of "someone is proporting to be me and I have never lived in that state." When the Experian representative is asked by an attorney why they didn't excpet it as fraud she responded "well he didn't SAY fraud."    Sue them if they don't comply.   The law is on your side if you know how to use it.   If they don't respond you can sue them if you have sent it right. If they say something is yours or was verified but your name, address, social or any one of the critical identifying information unique to you is wrong on their file then you can sue them. If a collector doesn't report the account properly, you can sue. If you know how to document everything from the start, know the tricks like the lawyers as they unfold you can gets results . "But suing someone is expensive " you say? Not if you go to small claims . Many try civil court but its too expensive. Small Claims is slanted in favor of well documented consumer over big business.   But how can you learn the system or how to sue? either do a few hundred web searches and hire an attorney (98% of attorneys DON'T know how to defend you proprely without costing too much) or try us when you buy our Financial Evaluation Program. We also take questions and will help or direct you as much as we can.   If more people sued it would do more than the FTC can! Think about it, if you sued them for the average violations penalties, $3000 and so did 1000 others thats $3 million of damages. That's just a thousand people, what would happen if half of over the 2 million people a year that are victims of creit bureaus mistakes did it. They would go out of business or spend the money to do their business right.   Raising your credit scores and repairing your credit will not work! Getting your credit back doesn't mean it will stay that way.  That's why it is a small fraction of what our financial makeovers do. We combine credit awareness, financial planning and security protection.   After credit investigation and restoration you have to protect it!   Do you know credit bureaus contribute to Identity theft? They not only sell your info to drect mailers they send your full credit report to old addresses or inaccurate addresses if the creditor "updates" your address with them.   The security program they overprice and sell are not as secure as they claim.   Locking your credit is essential. But having alert systems and instant response letters (to nuetralize what they have done till it is investigated), restructuring your debt and setting up direct deposit and  auto payments to cover credit items are just parts of a 7 part plan we use when giving you the ultimate financial makeover to make sure you are never here again. All programs are 100% Guaranteed © Copyright 1990-2004 Nail Soup Media. All rights reserved. Privacy Policy      Terms and Conditions commercial use of this site or material is prohibited. What you should know   You can use the laws and the games creditors, collection agencies and credit bureaus play and turn it against them!  What you can sue them for : Creditors if they report your credit inaccurate in any way. Under defamation, financial injury-"Nelson vs.Chase Manhattan."   Creditors, if you dispute a debt and they fail to report it as disputed while they investigate.  Protection under FCRA code 623  $1000 fine in small claims. Creditors, if  they pull your report without permissable purpose. Protection under FCRA code 604(a)  $1000 fine in small claims Credit Bureaus, if  they refuse to correct information when provided proof. Protection under FCRA code 623(a)  $1000 minimum fine and more if extent of financial damages are deemed so by courts. Credit Bureaus, if  they reinsert an item and don't give you notice in 5 days. Protection under FCRA code Part (A)(5)(B)(ii)  $1000 fine in small claims. Credit Bureaus, if  they don't respond in 30 days. Protection under FCRA Section 611 Part (A)(1)  $1000 fine in small claims. Collection Agencies, if  they call your work or home or anyone else after you sent a cease and desist letter. Protection under FCRA Section 805 (c) $1000 fine in small claims Collection Agencies, if  they call your family or friends. Protection under FCRA Section 805 (b) $1000 fine in small claims Collection Agencies, if  they claim to garnish your wages or take your property or have you arrested. Protection under FCRA Section 807 (b) $1000 fine in small claims These are just a few but there are plenty to protect you to let the game players know you are serious but only if you know how to use them.          4 Case Examples       Dispute the errors of reporting not just the account! William M . went to the doctor and had some medical bills but were to be taken care of by his insurance. They slipped through and before this millionaire knew it a collection agency had it on his report. "It is a bill but they never contacted me." We found out they not only didn't contact him they also improperly reported it. Once the collecttin agency was served papers and shown civil code violations they folded and deleted the account. Chris M . had a collection account too but she paid it under duress. 6 months later it still showed unpaid so we disputed it and month after month it came back as unpaid. Another client had the same situation so we notified the collector of a combined $6000 in damages and in 48 hours it was off their reports. Joe T. was being harassed at home and at work by collectors and was told they would take his paycheck, his car and home. We did a conference call and called back the collector that day. He stuttered and acted like confused and hung up on us. Weeks later they deleted the account in lieu of being sued.   Jennifer G. had a bankruptcy but had 15 accounts that were included under the bankruptcy showing currently 30days late for one, 60 days for another , 90 days and 120 days  for  others. They can't have it both ways, under bankruptcy AND currently late. They should've updated the accounts correctly.   Once we showed their contiual disregard for law because of their ignorance of it and the $3000 worth of violations per account they already accrued, they deleted them in lieu of small claims action. These are just 4 of thousands of ways we help that credit repair companies or general law firms don't practice.            ORDER NOW Do it yourself Packet  (booklet with samples & strategies for$9 donation)   E Mail Counseling    (2 questions for $5 donation)   Mortgage Power Pack (full financial analysis to raise your score and qualify for more home-good for any lender across the US $549)    All programs are 100% Guaranteed Need credit now? CreditCards Real Estate Mortgages Computers Cell Phones Car Loans & Sales     Resources: FCRA FDPCA Credit bureaus pay FTC millions for violating FCRA Experian court settlement (1) Credit bureaus don't follow FCRA Investigation of credit bureaus for deceptive practices on websites claiming "free credit reports" Nagle sues and wins $100,000+ in court over experian Credit Bureaus sued for selling YOUR information more detailed than allowed by law FTC acknowledges credit bureaus are continually in violation Collection agency pays $1.5 Million to FTC because of consumer complaints FTC admits credit bureaus thumb their noses to complying and do something only when they lose in federal court FTC request Credit Bureaus to stop playing games and be fair with consumers FTC complains about Credit bureaus behavior and unfair treatment towards consumers AND that its time to do them what consumers did to tobacco companies. Complaints about credit bureaus became the leading complaint to the FTC