MORE INFO

This section of the website contains facts, and some opinion on the concerns I hear most frequently. I stand behind this information 100% and hope you find it useful.

For answers to Frequently Asked Questions, please click here now.

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The Truth

You can legally remove negative and/or accurate information from a credit report. The law allows you to request an investigation and subsequent reinvestigations of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. According to the Fair Credit Reporting Act:

• You are entitled to a free copy of your credit report if you've been denied credit, insurance or employment within the last 60 days. If your application for credit, insurance, or employment is denied because of information supplied by a credit bureau, the company you applied to must provide you with that credit bureau's name, address, and telephone number.
  
• You can challenge and re-challenge anything on your credit report for free.

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Why Do I Hear So Much Negative Information Regarding Credit Repair?

There are a number of answers to this question depending on the source of the negative information, so I will address each one individually.

Before you read on I am going to warn you that I take a VERY simplistic view on this issue, and don't attempt to sugarcoat my opinions. Read what I have to say and see if you agree.

Credit Bureaus - Responding to credit report inquiries requires people, which translates to time and money. Simply put, the less information credit bureaus have to investigate, the more money they make.

Creditors - Same answer as above. It requires people, which translates to time and money. How do you think creditors would like their employees to spend their time? Investigating past activities that are not going to generate additional revenue, or on the phone drumming up new business.

Government - Among other things, our Government is chartered with making sure businesses and individuals operate within the confines of the law. There are many credit repair companies that promote a process called "file segregation".

Without going into unnecessary detail, "file segregation" comprises, shall we say, gray areas that are debatable. And this is why the government has a gripe. On the other hand, the strategies outlined within my credit improvement course are completely legal.

Without beating around the bush, it comes down to knowing the laws and how they work. For example, why do so many drivers charged with Driving Under The Influence (DUI) retain their license after getting their second, third, and fourth DUIs? They walk into a court room, walk out not guilty, and did not break any laws. How do they do this? How is it that O.J Simpson is walking free? It's called knowing how the system works.

And improving your credit is no different! Look, you may have done some things in the past that you wouldn't do today, but unfortunately your past continues to haunt you. And probably in a way that is causing you to pay more than you have to, or creating embarrassing situations by having your credit applications rejected.

Yes, there are those that will have you believe that there is nothing you can do, and that's the way it's got to be for the next 7-10 years. Well, how is it that hundreds of thousands of negative entries on credit reports are removed on a daily basis?

I'll tell you how. Because individuals just like you finally decided they were going to take a step in the right direction, and improve their credit.

Consumer Protection Agencies - I think Consumer Protection Agencies play an important role. Hell, I've gone to them on several occasions when I thought I was had. Their primary concern with credit repair is that there are way too many credit repair companies that promise the world, take your money, and don't deliver.

At the same time, some of these companies provide a very valuable service and have satisfied customers to prove it. Unfortunately, it's the scenario of a few bad apples spoiling the whole bunch.

It's also an issue of paying a lot of money for something you could do yourself with just a little knowledge and a proven game plan. That's exactly what my course delivers. Think about it, do you think Consumer Protection Agencies would have any concerns if you spent less than a hundred dollars and improved your credit?

Of course not, they are concerned about consumers, most of whom don't have an extra dollar to waste, spending hundreds of dollars and get nothing in return. And it does happen.

Media - The media also plays an important role, similar to that of Consumer Protection Agencies. And much like Consumer Protection Agencies, they have a genuine interest in sharing information that is in the best interest of their viewers.

Naturally, this includes informing viewers how to avoid spending money on questionable offers such as credit repair companies that take your money and deliver nothing, or, take your money and do what you could do for considerably less money.

So there you have it. My two sense on why credit repair receives its fair share of negative publicity. Again, not one of the organizations mentioned above would take issue with you spending less than $50 and improving your credit. And that's exactly what I show you how to do.

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Forget The Hype, Can You Set Realistic Expectations For Me?

Sure. Well, as you may have noticed I do not make excessive claims anywhere on this website and I take this approach for two reasons:

1. In most cases they are unrealistic and will result in a disappointed customer.
   
2. You should not set out to achieve unrealistic results. Why would you want to set yourself up for failure? Instead, pick realistic goals that can be accomplished in realistic time periods.

Once you achieve a goal, pick the next goal, and try to achieve it. But don't start out thinking you are going to buy this course, or any course for that matter, and create perfect credit.

Look, anybody interested in improving their credit has their own set of circumstances, and their own expectations. What's important is to be realistic and do everything possible to improve your credit.

Well, you might ask: "How much should I improve my credit?". And the answer is: "It depends on what you are trying to accomplish." If you are trying to qualify for a new car and can't, your initial goal should be to raise your credit score high enough to be able to qualify to buy a car using reasonably price credit (e.g. you are not paying twice as much as you should).

After achieving this goal, you can do one of two things:

Remember, along with following my course, you are going to have to make some sacrifices along the way. Improving your credit is not magic and probably won't happen if you continue doing what you've been doing. It's funny, and at the same time sad, but history has a unique way of repeating itself. Let's make sure it does not happen to you.

Again, what's important is to focus on what you are trying to accomplishment, and what is standing in your way. For example, if you are trying to buy a house and are continually denied for a mortgage, you may want to contact the mortgage companies and ask why. Ask them what you need to do in order to get approved at favorable rates. Once you understand why you are not getting approved, you will have a much better idea of where you should be spending your efforts.

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I hope you found this information useful. For answers to Frequently Asked Questions, please click here now.

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