Tag Archive: debt

Credit Repair in Call, North Carolina

Tackling Credit Repair On Your Own (What To Do And What Not To Do).

If you have just recently been turned down for a loan, or for a new credit card, you may be in need of credit repair. You have either managed your credit poorly, which has reflected in your credit report; or your credit file has some erroneous items, thus negatively impacting your report.

TO DO:

Here is a strategy to help with your credit repair as recommended by OperationCare.com. You can do this on your own and can thus repair your credit for free.

• Request a copy of your credit report from any one of the 3 credit bureaus. If this is your first request of the year, you will be given the report for free.

• Once you have your report, examine it closely. You have to study all the entries and mark all those which are incorrect and which are damaging your credit worthiness.

• After you have determined the wrong entries, you have to contact the credit reporting agencies and tell them to delete the erroneous entries from your report.

• Even if there are some correct entries in your credit report, but these are negative in nature, you could still get them removed. This would go a long way in ensuring credit repair. There is a certain time limit for which negative entries can stay on your report (usually between seven and 10 years). If such term has gone by, you should write to the credit bureaus to delete the negative items from your report.

• Ensure that all your correspondence with the credit companies and agencies is through registered mail. This way, you have proof of your requests and also when exactly you initiated the process of your credit repair. Keeping a record will also help you in case any deleted entry is re-included in your report anytime in the future.

• Within 30 days, some action should have been taken regarding the wrong items on your report. If the credit bureaus determine that the entries were in fact wrong, they will remove it from your report, thus bringing about the credit repair that you were after.

In case the matter is not resolved to your satisfaction, you should continue challenging the items on your report till such time that credit repair has indeed occurred.

NOT TO DO:

People whose credit score is low or who have a bad credit report often try desperate means to repair credit and thus end up hurting their credit even more. The majority of the information available on credit score repair and credit report repair tells you what to do to restore good credit. However, we will tell you about some of the things that you should NOT do in order to repair bad credit.

File Segregation: Many credit repair companies lure people with the false promises of bad credit repair by telling them that they can create a new credit file for them by issuing them a new identity. Thus, no matter what any credit repair company tells you – things like you will not be able to get any loans or even a credit card for the next few years, or that you will not be able to get a job etc; under no circumstances should you agree to the process of file segregation to repair bad credit.

Deleting accurate information from credit report: Some credit repair agencies make claims to people that they can repair credit by getting accurate information of a negative nature deleted from their credit reports, thus improving their credit rating. Thus, you should not trust anyone who tells you that they can repair bad credit by removing negative items from your credit report.

Advance Payments: No credit repair agency is legally allowed to ask for advance payments. Thus, you should NOT be taken in by any company who wants high advance payments.

To find out more about Cambridge Credit Repair company simply click here.

Services

Our Mission: Help clients achieve financial success!

Welcome to B&K Financial and Insurance Services.

Our mission is simple and to the point. We’re dedicated to helping our clients attain their financial goals. We start from where they are today and move them forward with education, tools and products that will get them there. Our approach is different but very effective in helping the average person achieve amazing results.

Fill out the form on this page for a FREE, no obligation analysis on your individual situation and how we can help or visit Daniel Blakeslee for more information.

Debt Help

Who hasn’t gone overboard with credit cards? When we ‘just gotta have it’ or when necessity forces us, we turn to our little plastic friends to make it happen. It’s just too easy! But then what happens? The payments become more than you can handle. You start to struggle. You make a payment late…even by a day, and your interest rate goes to 30%! Yikes! That doesn’t help.

So what then? What’s the best answer for you? If you’ve started down the path that so many people fall victim to, you need help. Talk with someone that can give you straight answers. Someone that will give you all the information you need. The decision you make can affect your ‘credit life’ for a long time so you owe it to yourself to make the right decision. To change your path and get on the right track, please fill out the form on this page. I promise only ONE person will get your information and will call you to discuss your options. You have nothing to lose and an education to gain that will put you on the best path for your situation.

Credit Repair

So few of us have “perfect” credit. We have a few clients that do but most people fall into the “average” category. Unfortunately, we are seeing a lot more people fall into the “bad” category, primarily due to the economic times.

Because there are so many things that impact an individuals credit score, it’s critical to know what’s happening with yours. Being turned down for credit, a rental, a job, or anything isn’t fun…especially when you need it and are credit worthy. Credit repair is focused on eliminating any negative items that can be removed from your credit record so that you can achieve your goals.

Our team of experienced consultants can review your credit reports, assess your current situation, and provide customized solutions to meet your needs. Through a meticulous process, we can help restore your credit by auditing BOTH the credit bureaus AND the creditors.

Eliminate Interest

The Race To Zero Debt program is a fantastic mortgage and debt acceleration software. It is THE quickest way to pay down ALL your debt to zero balances. Mortgages, auto loans, credit cards, student loans, etc., are all attacked in the most efficient mathematical way, resulting in you winning your Race To Zero Debt in 1/3 to 1/2 the time!

Getting control of your financial situation is the first step to accomplishing your goals and dreams. Let this award-winning program help you pay off all of your debts without refinancing your existing mortgage and without changing your income or lifestyle. Typical savings are from $50,000 to $200,000 but each situation is unique and your savings could be much more.

Would you choose a paper map or a GPS system to guide you on a trip from point A to point B? If you are like most people you would choose a GPS system. This program is like a GPS for your finances. It shows you the right path without mistakes and will re-route you when something takes you off course. With the program’s guidance, you always know exactly how far you have gone and how far you have left to go to become totally debt free all while still in complete control!

CLICK HERE TO VISIT OUR RACE TO ZERO DEBT SITE