Credit Repair info
Debt consolidation credit counseling giving free credit reports for credit repair and consumer credit counseling. Bill consolidation by utilizing low interest credit cards can repair credit and rebuild credit to avoid bankruptcy.
New Credit
What would you do if you had good credit? Would you buy a new home or a new car? Go on a vacation? Start a business? Think about it for a moment. What would having good credit mean to you? If bad credit is stopping you from buying a home, getting a new apartment or a new car, you'll soon find out how to make your credit reports spotless and absolutely irresistible to lenders! You are going to discover: How you can buy the home of your dreams with a low down payment... with good credit. How to buy the new car you've been wanting. How to start getting Visa and MasterCard's sent to you nearly every week in the mail that say, Pre-Approved! These aren't just empty promises, but guaranteed facts. Just follow the simple step-by-step instructions in our new credit book and you will be on your way to a perfect credit score within the next few weeks. Purchase NOW!
Our Clients
Every word is true and works! Don't think just buy it.
R.B Houston,Tx
I honestly wish I would have made the purchase months ago
T.D. Seattle
I tried to repair my credit and it took months with little or no results. I puchased your program 3 months ago and I picked up my new ride last week. thanks.
J.A. Chicago
We have many many more. There is simply not enough room to post them all here. Want to send in your story?
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NEW CREDIT FILE:
You need a "new credit file" if you have late payments. Bad credit, Bankruptcy, Repos, Foreclosure, We can help.This is not credit repair, but a second chance, a NEW CREDIT FILE!
YOUR CREDIT FILE IS CAUSING MORE TROUBLE THAN YOU DESERVE! Well, now you can put all that behind you. You don't have to be a victim of the credit system any more! Even if you've filed for bankruptcy, or have had repos, you can have a new and clean credit file without waiting 10 years. It's true! And it's perfectly legal. In fact, IT'S YOUR RIGHT! Your new credit file won't show any of the "negative" credit history you currently have.
How to start a new credit file offers you the chance to enjoy clean credit once again! The latest guide to creating a new credit file with a brand new number. Leave bad credit references to the past, and start a new life with new credit in a matter of WEEKS. This is not credit repair, but a totally new way to create a new credit file from scratch. IT CAN BE DONE! Full details guide you every step of the way, and explain exactly what you are doing and why. Don't wait YEARS for negative items to come off your credit report. This new method will have you back in the driver's seat with banks and credit card companies faster than you could have ever thought possible. All you need to know is spelled out in clear, detailed step by step instructions.
Credit Repair or a new Credit File? Which One?
Repair - This is best for people with minor damage to their credit file. Maybe a few late payments. First thing you'll need to do is contact the credit bureaus and get a copy of your credit report. Then dispute the negative information. Even if it is accurate, you can still dispute it. It just means it might not come off. They have 30 days to investigate your dispute and get back to you. Information such as bankruptcies, foreclosures, and repos that are true are often not removable. A complete credit repair manual is included with your order! You will also receive a link that will allow you to get your credit report.
New Credit File - A new approach. Best for people whose file is loaded with negative information, or beyond repair. There are three ways to open a new credit file, and all take considerably less effort than the method described above. Your new file is completely separate from your old one. This program is meant to give you a second chance, a new start, HOWEVER, that is also one down-side to opening a new credit file. It is empty. Start out small, a gas card or department store card. Eventually you build it up just like you did with your old file. Be smart, there are no third new credit files.
Content of what is in the New Credit Manual.
Describes the three ways to get a second new credit file, you choose which one is best for you.
Instructions on getting a NEW SOCIAL SECURITY NUMBER. It is a little
bit tougher, but it can be done. Learn how.
Explanation on how the credit bureaus identify you. How do they know
one John William from another? If you think they go just by your Social
Security Number, think again. By knowing the secrets to how the credit
bureaus ID you, you can create a new credit file.
How to avoid merging your old credit file with your new credit file.
Over 600 banks offering Unsecured Credit Cards GUARANTEED!
I'm interested, How much is this gonna cost me?
Some people pay as much as $3000.00 dollars just to try and get their credit repaired an most have little or no results. The complete manual is just $60.00. This is less than a movie and refreshments for two. A fresh start with a clean new credit file is worth it! ACT NOW and change your life for ever!
Think of it. What could a brand-new credit file do for you? And what would you give to get one? I'll tell you this: you don't have to pay anywhere close to the $3,000.00 most people have GLADLY paid for this information. That's because we can provide you with all the tools you need to start over - TODAY!
128 PAGE REPORT ON GOVERNMENT AUCTIONS!
Learn how to buy seized property, vehicles, and more! Includes a list of phone numbers and addresses so you can find auctions near you! Download it immediately, it's included FREE when you order the 2nd Chance Manual!
PAY OFF YOUR BILLS WITH DEBT CONSOLIDATION!
Need money for bills? You will receive FREE Debt Consolidation! No equity or
collateral needed.
46 WAYS TO GET MONEY WHEN YOU ARE BROKE!
Innovative ideas that will show you how to make money when you are low on cash. Start earning money ASAP.
CONSUMER HANDBOOK TO CREDIT PROTECTION LAWS!
Get protected! This information can save you thousands of dollars! This report is a guaranteed winner. Get it FREE with your order!
All responsibility for the use or misuse of this information lies solely on the reader. This manual is not sold to defraud or scam current creditors. Even though you will have a new credit file, you are responsible for all debts owed on your old file. All local state & federal laws apply.
Some important facts about your Creditors:
A collection agency sued me and won. What collection measures can it now take against me?
- Before obtaining a court judgment, a bill collector generally has only one way of getting paid: demanding payment. This is done with calls and letters. However, once the collector (or creditor) sues you and gets a judgment, the law allows it to take further steps to collect the debt. If you have a job, the collector may try to garnish up to 25% of your net wages. The collector may also try to seize bank or other deposit accounts you have. If you own real property, the collector may record a lien against it, which will have to be paid when you sell or refinance your property. Even if you're not currently working or have no property, the judgment won't disappear. Depending on the state, court judgments can last up to 20 years and, in many states, can be renewed for years beyond that.
Can a collection agency add interest to my debt?
- Yes. The FDCPA allows a collector to add interest if your original agreement calls for the addition of interest during collection proceedings or the addition of such interest is allowed under state law. Every state authorizes the collection of such interest.
A bill collector insisted that I wire the money I owe through Western Union. Am I required to do so?
No, and it could add more money to your debt if you did do it. Many collectors, especially when a debt is more than 90 days past due, will suggest several "urgency payment" options, including:
Sending money by express or overnight mail. This will add at least $10 to your bill; a first-class stamp is fine.
Wiring money through Western Union's Quick Collect or American Express's Moneygram. This is another $10 waste.
Putting your payment on a credit card not charged to its maximum. You'll never get out of debt if you do this.
The collections department of a local merchant is harassing me. Can I do anything about it?
- Although the FDCPA does not apply to the collection department of a creditor (only to outside collection agencies), many state fair debt collection laws do cover these collectors. Check with your state consumer protection office to see if your state law applies to in-house collectors and what types of collection practices it prohibits.
Collection agencies have been calling me all hours of the day and night. Can I get them to stop contacting me?
- It's against federal law for a bill collector who works for a collection agency (as opposed to working in the collections department of the creditor itself) to call you at an unreasonable time. The law presumes that calls before 8 am or after 9 pm are unreasonable. But other hours may be unreasonable, too, such as daytime hours for a person who works nights. The law, the federal Fair Debt Collection Practices Act (FDCPA), also bars collectors from calling you at work, harassing you, using abusive language, making false or misleading statements, adding unauthorized charges and many other practices. Under the FDCPA, you can demand that the collection agency stop contacting you, except to tell you that collection efforts have ended or that the creditor or collection agency will sue you. You must put your request in writing.
For more information on what the FDCPA prohibits and what to do if a collector violates the law, see What to Do If a Bill Collector Crosses the Line.
What to Do If a Bill Collector Crosses the Line?
- Here's what to do if a bill collector uses abusive tactics.
It's stressful to be unable to pay your bills on time. It's even more stressful to hear from a bill collector about those overdue debts. Although bill collectors can be persistent (that's their job), many are careful to follow the law when contacting you. Unfortunately, some are not. If a bill collector oversteps the bounds of the law, you can take action.
The Fair Debt Collection Practices Act
The federal Fair Debt Collection Practices Act, or FDCPA, prohibits certain debt collectors from engaging in abusive behavior. It covers debt collectors that work for collection agencies. It does not cover debt collectors that are employed by the original creditor (the business or person who first extended you credit or loaned you money). If a debt collector that works for a collection agency breaks the law, you can take steps to make sure it doesn't happen again.
It's illegal for bill collectors to:
contact third parties, other than your attorney, a credit reporting bureau or the original creditor, except for the limited purpose of finding information about your whereabouts (collectors can also contact your spouse, your parents if you are a minor and your co-debtors unless you have asked them in writing to stop contacting you)
call you repeatedly or contact you at an unreasonable time (the law presumes that before 8 a.m. or after 9 p.m. is unreasonable)
contact you at work if your employer prohibits it
use or threaten to use violence
use obscene or profane language
place telephone calls to you without identifying themselves as bill collectors
claim you owe more than you do
claim to be attorneys if they're not
claim that you'll be imprisoned or your property will be seized
send you a paper that resembles a legal document, or
add unauthorized interest, fees or charges.
Here's what you can do if a debt collector engages in illegal activity:
1. Tell Them to Stop
Under the FDCPA, you have the right to tell a collection agency employee to stop contacting you. Simply send a letter stating that you want the collection agency to cease all communications with you. All agency employees are then prohibited from contacting you, except to tell you that collection efforts have ended or that the collection agency or original creditor may sue you. You can do this even if the collector is not breaking the law.
2. Document Illegal Behavior
If a debt collector breaks the law, document the violation as soon as it happens. Start a log -- and write down what happened, when it happened and who witnessed it. Then, try to have another person present (or on the phone) during all future communications with the collector. In some states, you can record phone conversations without the debt collector's knowledge. In others, this tactic is illegal. Check with your state consumer protection agency to find out what is permitted where you live.
3. File a Complaint
File an official complaint with the Federal Trade Commission (FTC), the federal agency that oversees collection agencies. Ask the FTC to send you a complaint form, or just write a letter. Contact the Federal Trade Commission at 6th and Pennsylvania Ave. NW, Washington, DC 20580, http://www.ftc.gov/ftc/complaint.htm. Include the collection agency's name and address, the name of the collector, the dates and times of the conversations, and the names of any witnesses. Attach copies of all offending materials you received and a copy of any tape you made.
Also, send a copy of your complaint to the state agency that regulates collection agencies for the state where the agency is located. To find the agency, call information in that state's capital city.
Finally, send a copy to the original creditor and the collection agency. The original creditor may be concerned about its own liability and offer to cancel the debt.
Once your complaint is filed, don't expect immediate results. The FTC may take steps to sanction the agency if it has other complaints on record. The state agency may move more quickly to sue the collection agency or shut it down for egregious violations. Your best hope is that the creditor will offer to cancel the debt.
4. Sue the Debt Collector
If you've been subject to repeated abusive behavior, consider suing the collection agency. But don't bother if the illegal behavior was annoying but nothing more. For example, if the collector called three times in one day but never again, you probably don't have a case.
You can represent yourself in small claims court, or hire a lawyer and go to regular court. (The other side may have to pay your attorneys' fees and court costs if you win.) You're entitled to any actual losses -- for example, your pain and suffering, or the amount you paid to switch to an unlisted number to avoid harassment -- and an additional amount (unrelated to actual losses) up to $1,000 for any violation of the FDCPA.
If you are being harrased by Debt Collectors. You need to know your rights under the law to make them stop.
- (1)Collection agencies have been calling me all hours of the day and night. Can I get them to stop contacting me?
Collection agencies have been calling me all hours of the day and night. Can I get them to stop contacting me?
It's against federal law for a bill collector who works for a collection agency (as opposed to working in the collections department of the creditor itself) to call you at an unreasonable time. The law presumes that calls before 8 am or after 9 pm are unreasonable. But other hours may be unreasonable, too, such as daytime hours for a person who works nights. The law, the federal Fair Debt Collection Practices Act (FDCPA), also bars collectors from calling you at work, harassing you, using abusive language, making false or misleading statements, adding unauthorized charges and many other practices. Under the FDCPA, you can demand that the collection agency stop contacting you, except to tell you that collection efforts have ended or that the creditor or collection agency.