Contact us:
1-888-486-5161
1-888-486-5161
TREY HALL & ASSOCIATES
| Credit Tips |
Credit restoration can be frustrating and time-consuming. Some
people say that only time and patience will improve a bad credit
history and this is true to a certain extent. But, this does not
mean that time alone will resolve your problems. Nor does it
mean that credit restoration is a waste of time or money. If done
properly it can be effective. However, you should be careful
what programs or services you buy. Most good services can
provide results within 30 to 60 days , but few times is the entire
restoration process complete this soon. Many times if you are
just trying to raise your score to get approved, or for a lower
interest rate, it can be achieved in this 30 to 60 day
period.(depending on individuals credit report) However, to
achieve maximum results a credit restoration program may last
up to twelve months. Be VERY cautious of anyone who tells you
that they can completely fix your credit in 30 days or less!!!
Also be cautious of anyone who "claims" to guarantee that they
can Remove ALL of the negative items from your credit!!!
The first thing to do for any credit restoration program is to
obtain a copy of your credit report from all three bureaus. You
can get a 3 in 1 report, that contains all three bureaus in one
report.(recommended) All three bureaus offer a 3in1 for about
$30-$45. I recommend Transunion($30), because it is much
easier to read and understand. Thanks to an amendment to the
fair credit reporting act, everyone is entitled to one free copy
from each bureau per year. This process of getting them will
take a little longer and will slow down the disputing process, but
ensures that everyone can check their reports. For you free
reports visit www.annualcreditreport.com. This website was
created by the three major credit bureaus, Experian,
TransUnion and Equifax, in response to the law enacted in
2005. Here you can view and print copies of your credit reports
at no charge. Even people with good credit should look at their
credit reports on a yearly basis, due to mistakes made by the
bureaus and the prevalence of identity theft in the United
States. According to a survey sponsored by the Federal Trade
Commission, nearly 10 million people were victims of identity
theft in 2003 alone. Everyone should keep an eye on their
credit reports and no matter what your score is, check your
report a minimum of once a year.
Most credit restoration processes involve disputing information
that has been reported to the credit bureaus over the years.
You have the right to dispute information that you believe is
inaccurate, unverifiable, misleading or obsolete. Depending on
the amount of bad credit history items reported, this alone may
seem overwhelming. Unverifiable simply means that the credit
bureau, upon investigating your dispute, cannot verify a
reported item. Get the item removed and you are one step
closer to credit restoration.
In some cases, credit restoration may involve negotiating with
past creditors to remove negative information. They may do this
because the information is inaccurate, outdated or because
you have become a good customer and it is not in their best
interest to continue to report the negative item. People with a
so-called bad credit history may be totally unaware of what
information has been reported to the credit bureaus over the
years, until they view their credit reports. Anytime that a
negative item can be removed or inaccurate information can be
corrected, your overall credit score will go up.
Legal credit restoration does not involve applying for an
employer identification number, using a different social security
number or making false statements on credit applications.
These actions are illegal and should not be done!
If you are considering a credit restoration kit, software program
or book, find out exactly what is included, before you buy it.
There must be a lot of people with a bad credit history, because
there are a lot of products on the market which target them.
Most do-it-yourself programs contain basic advice and
information that you can find for free, if you research enough.
If you do not have the time to research and take on such a
task, then the best advice may be to hire someone to do the
work for you. Many people have failed to achieve credit
restoration, because they gave up. It is hard to find the time to
do the research, write a lot of letters and talk to past creditors,
when you are working full time, commuting and trying to have
some time with the family. This is why the credit restoration
firms have become so popular in the past several years. Many
People have the desire to correct bad credit history, but neither
the time nor patience to do it on our own.
Some "experts" say that we should not pay someone to do
something for us that we can do ourselves. But, we pay people
to do things for us everyday that we could do ourselves, like
mow the grass, cook our dinner, wash our cars, plan weddings,
clean our homes, file our taxes etc. Why shouldn't we pay
someone to help with a frustrating process like Credit
Restoration?
people say that only time and patience will improve a bad credit
history and this is true to a certain extent. But, this does not
mean that time alone will resolve your problems. Nor does it
mean that credit restoration is a waste of time or money. If done
properly it can be effective. However, you should be careful
what programs or services you buy. Most good services can
provide results within 30 to 60 days , but few times is the entire
restoration process complete this soon. Many times if you are
just trying to raise your score to get approved, or for a lower
interest rate, it can be achieved in this 30 to 60 day
period.(depending on individuals credit report) However, to
achieve maximum results a credit restoration program may last
up to twelve months. Be VERY cautious of anyone who tells you
that they can completely fix your credit in 30 days or less!!!
Also be cautious of anyone who "claims" to guarantee that they
can Remove ALL of the negative items from your credit!!!
The first thing to do for any credit restoration program is to
obtain a copy of your credit report from all three bureaus. You
can get a 3 in 1 report, that contains all three bureaus in one
report.(recommended) All three bureaus offer a 3in1 for about
$30-$45. I recommend Transunion($30), because it is much
easier to read and understand. Thanks to an amendment to the
fair credit reporting act, everyone is entitled to one free copy
from each bureau per year. This process of getting them will
take a little longer and will slow down the disputing process, but
ensures that everyone can check their reports. For you free
reports visit www.annualcreditreport.com. This website was
created by the three major credit bureaus, Experian,
TransUnion and Equifax, in response to the law enacted in
2005. Here you can view and print copies of your credit reports
at no charge. Even people with good credit should look at their
credit reports on a yearly basis, due to mistakes made by the
bureaus and the prevalence of identity theft in the United
States. According to a survey sponsored by the Federal Trade
Commission, nearly 10 million people were victims of identity
theft in 2003 alone. Everyone should keep an eye on their
credit reports and no matter what your score is, check your
report a minimum of once a year.
Most credit restoration processes involve disputing information
that has been reported to the credit bureaus over the years.
You have the right to dispute information that you believe is
inaccurate, unverifiable, misleading or obsolete. Depending on
the amount of bad credit history items reported, this alone may
seem overwhelming. Unverifiable simply means that the credit
bureau, upon investigating your dispute, cannot verify a
reported item. Get the item removed and you are one step
closer to credit restoration.
In some cases, credit restoration may involve negotiating with
past creditors to remove negative information. They may do this
because the information is inaccurate, outdated or because
you have become a good customer and it is not in their best
interest to continue to report the negative item. People with a
so-called bad credit history may be totally unaware of what
information has been reported to the credit bureaus over the
years, until they view their credit reports. Anytime that a
negative item can be removed or inaccurate information can be
corrected, your overall credit score will go up.
Legal credit restoration does not involve applying for an
employer identification number, using a different social security
number or making false statements on credit applications.
These actions are illegal and should not be done!
If you are considering a credit restoration kit, software program
or book, find out exactly what is included, before you buy it.
There must be a lot of people with a bad credit history, because
there are a lot of products on the market which target them.
Most do-it-yourself programs contain basic advice and
information that you can find for free, if you research enough.
If you do not have the time to research and take on such a
task, then the best advice may be to hire someone to do the
work for you. Many people have failed to achieve credit
restoration, because they gave up. It is hard to find the time to
do the research, write a lot of letters and talk to past creditors,
when you are working full time, commuting and trying to have
some time with the family. This is why the credit restoration
firms have become so popular in the past several years. Many
People have the desire to correct bad credit history, but neither
the time nor patience to do it on our own.
Some "experts" say that we should not pay someone to do
something for us that we can do ourselves. But, we pay people
to do things for us everyday that we could do ourselves, like
mow the grass, cook our dinner, wash our cars, plan weddings,
clean our homes, file our taxes etc. Why shouldn't we pay
someone to help with a frustrating process like Credit
Restoration?
JUST A THOUGHT-
Many times there are things
that we can do for ourselves,
but we might not be capable of
doing as efficiently or with as
good of results as someone
who is a professional in that
field. For example if you are
sued or get arrested, you have
the right to represent yourself in
court. You can also file
bankruptcy or divorce without
an attorney. However, would
you really want to attempt these
things by yourself and if you
did, would you achieve the
same results as a qualified
professional??
Many times there are things
that we can do for ourselves,
but we might not be capable of
doing as efficiently or with as
good of results as someone
who is a professional in that
field. For example if you are
sued or get arrested, you have
the right to represent yourself in
court. You can also file
bankruptcy or divorce without
an attorney. However, would
you really want to attempt these
things by yourself and if you
did, would you achieve the
same results as a qualified
professional??
| Call Us Today!!! 1-888-486-5161 |
Contact us:
1-888-486-5161
1-888-486-5161
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Credit Repair Services
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