Feb 09 2012

I need help fixing my credit Rating.

Category: Uncategorized — richard @ 10:24 am

 I sure am glad I found Credit Repair Magic!


Hello Everyone, Well, if you’re like me?  You found this site out of desperation and a need to clear up and or repair your credit rating! I woke up one day and I said to myself “I need help fixing my credit.” I was thousands of dollars in debt with the phone ringing off the hook from creditors hounding me.  I was frustrated, I was angry and I was ashamed of what of my life had become! No kidding!

I talked to lawyers, I read a few books none of it made any sense to me. Click on the about me tab above, If you want to read the story about why this site was created and how you are here on this site right now.

I would love to tell you that getting here to this point in my life was easy but, of course, it was not! I found more and more ways to put off doing what I knew I had to do which was figure out how the heck I was going to fix my credit. I couldn’t buy anything on credit.  My credit was so bad at one point that I couldn’t even use my friends credit card in a store with my friend standing there right next to me in the store. The clerk would look at me as if to say “we know it’s you and you can’t have it”  I was waiting for the day when the stores wouldn’t even let me pay with cash.. ha, ha! I had a long drawn out journey to find out why I did the things I did to screw up my credit so badly. but the truth of the matter is, I just didn’t know how to ask for help!

The embarrassment of being so far in debt was more then I could handle at the time! I was the guy that knew I had to get it fixed on my own. Once I found out about Credit Repair Magic through a friend, life became so much easier. it was just what I was looking for!  The program is very easy to use. Very affordable and most of all Very Effective! So please Go ahead and give it a try. Take action! Click on the banner below! Watch the video to learn even more about it! They offer a full money back guarantee, Plus they give $321 in real bonus materials related to credit and finance. That alone is well worth the price.

Thanks for reading this!

Richard

america's best selling credit repair

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Jan 30 2012

Identity Theft: Six Steps Every Victim MUST Follow…

Category: Uncategorized — richard @ 1:43 pm

 

Cleaning up the mess left by identity theft is time consuming, stressful, and expensive. Some people actually give up and just pay off the fraudulent charges of identity theft because it’s the only way that they can improve their credit rating. Here are the steps you need to follow if you believe that you are a victim of identity theft:

Step 1: Contact the Three Major Credit Bureaus

Contact the fraud departments at each bureau. Explain that you are a victim of identity theft and that you would like to be contacted personally before any credit is issued in your name.

Equifax (800) 525-6285

Experian (888) 397-3742

TransUnion (800) 680-7289

Insist that they place the account under investigation for identity theft if it is to remain on your credit report.

Step 2: Order Your Credit Report.

Order your credit reports to check for accounts that may have been fraudulently opened in your name. As the victim of identity theft, you are entitled to a free copy of your report from each credit bureau.

Step 3: File a Police Report

Companies who have issued credit in your name will not take you seriously without a police report, which will protect your legal rights.

Step 4: Contact Your Local Post Office

If you were a victim of identity theft due to someone stealing your mail to obtain your information, officially report this fact to your local postmaster.

Step 5: Contact the Social Security Administration and Department of Motor Vehicles

If the thief is using your social security or driver’s license number to commit identity theft, you might need to obtain new numbers from these agencies.

Step 6: Contact All The Companies Who Granted Credit to the Identity Thief

Communicating by telephone does not protect your rights. Send certified letters and insist that they communicate with you in writing.

If you’re looking to find more information on identity theft or need help restoring your credit, download the best credit repair software anywhere. Credit Repair Magic is the fastest and most cost-effective credit repair solution we’ve ever found. Don’t waste your time with useless e-books or ridiculously overpriced monthly services.

 

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Jan 27 2012

Credit Repair Software is the Best Solution to Fixing Your Credit

Category: Uncategorized — richard @ 10:57 am

Credit Repair Software is Best Solution to Fix Your Credit

There are four ways to fix your credit, and here they are, from worst to best:

Worst: Credit Repair Services

It’s tempting to simply pay a company to “do the work for you,” but all credit repair services (that includes law firms) have two dirty little secrets they don’t want you to know.

First, because they charge monthly for their service, they make more money–up to $2,000– if they deliberately drag out the process, which is why they often take two or three years.

Second, you actually wind up doing MORE work than if you did it yourself. In addition to dozens of forms, the credit repair service requires YOU to personally choose which items to dispute, how to dispute them, and you have to constantly send them information that the credit bureaus send you.

Better: Follow Instructions From The Credit Bureaus.

This is like the wolf instructing the sheep. The credit bureaus are NOT your friends. This approach costs nothing, but you get what you pay for. Don’t do it.

Better Still: Do-It-Yourself Programs (Typically A Printed Book,

An E-Book, Or An Audio Program).

There are hundreds of these programs available, but they’re out of date. If you are very organized and have lots of free time available, the process these books describe will work fairly well. . . eventually.

Best: Credit Repair Software

There are several companies that offer Credit Repair Software (not just an e-book). Although some are rip-offs (clue: unprofessional-looking websites), many credit repair software products combine the best of all worlds: simplicity, low price, and fast results.

Better quality credit software ranges from $97 to $1,000 or more, but there’s no reason to spend the higher amounts. Look for satisfaction guarantees and a professional-looking website.

The best credit repair solution for the money is Credit Repair Magic, available at CreditRepairMagic.com. At only $97, it’s the fastest and most cost-effective credit repair solution we’ve ever found. Don’t waste your time with useless e-books or ridiculously overpriced monthly services. Download the best credit repair software anywhere and get away from bad credit!

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Jan 24 2012

Here is some great information about how to repair your credit

Category: Uncategorized — richard @ 5:38 pm

Credit Repair Law Firms are Scams

There are hundreds of law firms out there that specialize in credit repair. I may get sued for writing this, but it’s my opinion that credit repair law firms like Lexington Law are scams. Here’s why:

Problem #1: Ridiculous Monthly Charges
Lexington currently charges a $99 setup fee and anywhere from $39 to $79 every month that they work on your file. Since they charge monthly, the longer they take to repair your credit, the more money they make. In fact, some credit law firms tell you that it could take a year, two years, or even three years ($567 to $2,000), which is why they’re getting very rich.

Why pay $2,000 or even $500, when there are excellent credit repair programs available for less than $100?

Problem #2: You Do Most of the Work
Here’s a dirty little secret that credit law firms don’t want you to know: you still have to do most of the work yourself–more work, in fact, than when you use credit repair software (more about that later).

In addition to all the paperwork you have to fill out and get notarized, you must request your own credit reports. Since the credit bureaus mail all documents to you, you will be constantly copying them, putting them into another envelope, and sending them to the law firm. You might have to do this five or six times every week.

The credit repair law firm will then scan your credit reports and post them on the web (security issues?) Then, believe it or not, even with all the money you’re paying to the law firm, you still have to go to their website and choose for yourself which items you want to dispute and even how to challenge each negative credit item.

All the law firm does is print out form letters that they send to the credit bureaus. Doesn’t it make you a little uncomfortable knowing that the longer they take, the more money they make?

Problem #3: Crappy Guarantee
All they have to do is remove one credit card inquiry and they consider that they’ve done their job, so there’s no money back even if 99% of your credit report is still negative after three years and $2,000.

As you can see, these law firms are often nothing more than letter-printing factories that make more money the longer they take. So why pay so much money to get such little service? Especially since it’s possible to accomplish the same goal with much less work at a fraction of the cost.

There is a better alternative to using credit repair law firms like Lexington Law. The best credit repair solution we’ve discovered so far is Credit Repair Magic at CreditRepairMagic.com. At only $97, it’s the fastest and most cost-effective credit repair solution we’ve ever found. Don’t waste your time with useless e-books or ridiculously overpriced monthly services. Download the best credit repair software anywhere.

Click the above links or the banner below to get you started on your path to credit freedom.

Thanks for reading this! Rich

 

america's best selling credit repair

 

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