Bad credit repair advocate Mike Payne provides FREE podcasts for your eduTainment – please leave your comments, questions and/or suggestions below!
Consumer Advocate Mike Payne helps people improve their credit & grab the keys to their new homes!
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Bad Credit Repair – How To Remove Late Pays & Resolve Consumer Complaints!
Description: Bad credit repair advocate Mike Payne pulls the curtain back on “free credit report” websites and shows you where you really can grab your credit reports…100% free!
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For entertainment, I enjoy the “free credit report” pitch ads. The jingle, “F-R-E-E…that spells free…freecreditreport.com-baby” 
Yeah, Baby…love that jingle.
Once it gets in your head, it’s like some voo-doo Neuro-Linguistic-Programming message compelling you to pull out your credit card, turn off your brain & order your “free” credit reports.
In this case, free is not free! 
Please hear this:
- Your credit reports are not free at these websites.
- Only ONE government-mandated website offers 100% free credit reports but no free credit scores (if you want your scores, you’ll pay ~$8 bucks x 3 bureaus: Experian, Equifax & Transunion)
- Beware credit scores touted as FICO scores. In essence, they’re “FAKKO” scores. In other words, they’re not accurate.
Now, if you are working on your credit, you absolutely need to monitor your credit to confirm violations. That is, when you dispute the bureaus don’t always mark the disputed account “in dispute” and some Furnishers do not stop collection attempts.
This is a violation of federal law.
There’s more to it than this, and I give you the step-by-step in one of the training guides complete with video. For now, though, please understand there’s only one official website providing 100% free credit reports.
What 8 costly, dangerous credit/credit repair mistakes do people make? Glad you asked. On my latest DVD, I review the exact 8 SECRETS TO A 680 CREDIT SCORE! Quickly, you will see the 8 common, dangerous & costly credit mistakes I see people make, killing their credit even further and stealing their money. Most of all, credit issues keep people from getting exactly what they want from “good” credit. If you have credit issues, check out this dvd. You will be glad you did. I assure you….
Want 100% FREE credit reports? Go to www.annualcreditreport.com. You can grab your full, 100% FREE credit report from each of the credit big credit reporting agencies: Transunion, Experian & Equifax. Note: you receive your reports free, not your scores. If you want your scores, you’ll pay around $8.00 per bureau (that is, ~$24 bucks). Scroll down & leave me a comment or ask me a question if you don’t know what I mean by monitoring for credit reporting agency (aka “BIG 3″) and/or debt collection “violations.”
Bad credit repair requires credit monitoring. I’m not slamming credit monitoring – rather, I’m slamming the sales technique used to sign you up. Free credit report websites rely on cute jingles and an old guy pounding ground hogs back into their holes to sign you up for monthly membership. Credit monitoring and convenient access to your reports helps you improve your credit, minimize damage from ID Theft & prove violations perpetrated by debt collectors and credit reporting agencies.
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