Repair credit fast is what Marco wanted. He said 4 credit repair companies PROMISED him good credit and he didn’t have to lift a finger. Marco needed to discover RULE #1 about improving his credit.
Get FREE CD Now-click here!
Marco (and maybe you) need to understand rule #1 of credit improvement and credit repair.
Believe me when I say, Marco is not alone.
Every day, I hear from people who magically believe they can pay money, go to bed and awaken with good credit.
It AIN’T gonna happen!
Rule #1: Credit improvement and credit repair are not as easy as you’re hearing NOR are they as difficult as you’re hearing.
Not as easy? You can’t just throw your hard-earned money at a credit DISrepair company and hope your credit improves.
Not as difficult? You don’t need A+ credit to hear “YES”. You don’t need A+ credit to avoid getting jacked on interest rates.
That’s right.
And now it’s time for RULE #2.
Click Read More below right now for Rule #2….
WHAT’S “IT” ABOUT RULE #2?
Rule #2 is quick, simple AND very important. Please don’t be fooled by its “DUH” factor.
You will not improve your credit overnight or by paying someone to remove this “problem.”
In years of trying to help people, I see this truism often…all too often.
People (by nature) want a short cut…or an easy way out of bad credit. That’s what I wanted. Damn right.
I didn’t have time and sure as hell did not want to make time.
People want to whip out the wallet for the first fast-talking, smiling credit repair “expert” who claims to fix (your) credit while you sleep.
Think I’m kidding?
I’m dead serious.
And my real estate customers and I have the scars to prove it 
They and I have spent $1,000s on a hope and a prayer, hopeful all it would take is a little money each month to make the “problem” go away.
My customers and I learned a painful, expensive lesson: bad or ugly credit will not magically improve overnight, no matter what “they” say.
At this point, you either believe me, don’t believe me or want to believe me. My 8 SECRETS TO A 680 CREDIT SCORE! will improve your credit scores.
Absolutely.
But not overnight….
Did you expect anything other than this reality?
Speaking of reality, I find that only when people really want something that improved credit demands will they commit to improving their credit scores.
…a house? …a new car after the old one died? …a new job or promotion? ….no more re-ject-ions?
I promise to help you get whatever it is you want from improved credit…as quickly as possible. Once you commit to yourself, you will do what it takes to get the credit (scores) you need.
By the way, you do not need A+ credit to get whatever it is you want.
For a new home, you can get bank-approved with a 620 middle score & 3 1/2% down payment…and no outrageous interest rate either.
Did you know this?
You provide the commitment and “stick-to-it-ness” and I will provide 8 SECRETS TO A 680 CREDIT SCORE!
- What do you want from improved credit?
- What score do you need to get what you want?
- What is your experience with credit repair or credit improvement?
- What do you want to know about improving your credit as quickly as possible?
Repair credit fast techniques do exist! You also will avoid debt collectors’ two common (and dangerous) tricks and traps, while discovering the truth about the BIG 3 credit reporting agencies and credit (dis)repair companies. Hope is on its way!
Related Posts -
Bad Credit Repair Reveals Powerful, Little Secrets Yielding Big Results! Bad credit repair shows DIYers Craig & Melissa how to take advantage of little-known (and easy) secrets to improve their credit and grab the keys to their new home. httpvh://www.youtube.com/watch?v=sQLMGN3XEEw Melissa first contacted me. Melissa's husband Craig did most of the talking. Craig and Melissa were motivated and committed to...... -
Repair Credit FAST Introduces 8 SECRETS TO A 680 CREDIT SCORE! Repair credit fast puts you back in the driver's seat without A+ credit. Who needs A+ credit? What you really NEED are credit scores necessary for you to get what you want, when you want it and without rejection or sweaty palms. Is 8 SECRETS TO A 680 CREDIT SCORE!...... -
Credit Repair Fast "Experts" Spill The Beans On Removing Bad Credit! Credit repair fast "experts" pretend only THEY possess the knowledge and ability to help you fix your credit and regain your good credit life. Ironically, most credit (dis)repair companies LOWER your credit scores and help you get SUED! That's right, credit (dis)repair companies' monthly fee includes firing off "rounds" of...... - Bad Credit Repair - Beware Debt Zombie Debt Collectors Demanding You Pay...or else! Bad credit repair requires STRATEGY before you throw even one penny at some debt collector who's harassing, screaming, berating & threatening you! Felicia wants to make right by her debts! But she doesn't know where to start. Before you ever consider throwing a penny at a debt collector, check out......
-
Credit Law Repair Companies Get "Called Out" By Florida Attorney General Credit law repair scam complaints cause Florida's Attorney General to issue warning to citizens, anticipating even more credit (dis)repair complaints with desperate people latching on to these (dis)repair companies' ridiculous claims and guarantees. Florida's Attorney General Bill McCollum notices an alarming trend! Credit (DIS)Repair Companies are screwing people at a......
- New ID theft targets kids' SS numbers [/caption] KANSAS CITY, Mo. – The latest form of identity theft doesn't depend on stealing your Social Security number. Now...
- Why I'm a Recovering Republican Readers beware: this is one of the few occasions I'll ever allow myself to vent from my political soapbox. If...
- Everyday People -- Shining Example of Prosper Group Here is a current listing from EveryDay People. This listing has an excellent chance of funding. In addition, Everyday People's...
- Issuer of 79.9% Interest Rate Credit Card Defends Its Product [/caption] by Connie Prater APR Shocks Many, but Issuer Says They Are Pricing for the Risk If you have bad...
- Review - The 4 Hour Work Week by Timothy Ferriss I had some pretty high expectations going into this book. It rocketed to the top of the best seller list...
Loading ...
{ 18 comments… read them below or add one }
I am enrolled with NACA in the Newark NJ office. I have verified with all three credit bureaus that the derogatory accounts are accurate I went through every reporting agency and obtained a report they all accurate, The accounts are not reporting as collections yet the are being reported by the original creditors so far. I tried to contact the finace company for the car loan to get a pay for delete but they wouldnt bite they told me that the account was going to be sent to a collection agency so I am just waiting for the dunning letter from them. I called the phone company and they told me it was sent to collections but they are not reporting it yet and I havent heard from them yet hopefully I can score a pay for delete from the both of them. My biggest problem is trying to rebuild new tradelines, please help I am so commited Thanks again Mike keep helping people.
Thanks Mike for the quick response. I am hoping that the government extend the program. As far as my credit goes I have a car loan that went bad my car was totaled in 2008 and insurance paid for the car but there was a 1200 dollars left I didnt know about gap insurance so they are reporting it as a negative, Then there is a verizon bill that I owe 800 its going to collections it also from 2008, then there is a loan from my credit union with 2 late payments but it is paid.thats all the negatives for the past 24 months .
I am in the NACA program so only the last 24 months of my credit history will be looked at. I dont have any open good accounts right now but I spoke to my credit union and they are going to help me get some good tradelines that can be reported loans, credit cards etc. I am also eventually going to get another car so I want the intrest rate to be ok. Thanks Mike
Hey Lisa. In which NACA program are you enrolled? How are your derogatory accounts reported?
You should be able to get the LATE update to pays as agreed. You’ll see how on my CD. Also on my CD you will receive 2 powerful credit-boosting accounts…. It’s not enough to get a credit card that is not “seasoned.” You should have a card but you now will have to build history. That’s not good enough for your scores.
Are you thinking you will settle the $1200 and $800 debts? Have you confirmed on all reports that these 2 accounts are 100% accurate and verifiable?
Mike
Thanks Mike for all of the helpful information I have been working on my credit since I found this website and my credit score has improved 24 points in one month. I am working torward home ownership. I am not in alot of debt but the negative information is correct so I am going to pay what I owe. I am going to start rebuilding as soon as possible. I really need to get my hands on a copy of your 8 secrets to a 680 as soon as you get them in. Keep up the good work Mike thanks so much for the valuable information.
Congratulations, Lisa! Most of all, you are taking ACTION. What is your middle credit score, Lisa? Are you aware FHA requires a middle credit score around 620 middle and 3 1/2% down payment? Are you also aware if you haven’t owned a home in the last 3 years, you might qualify for the $8,000 tax “gift” that you can use at closing? Granted, this remarkable gift is for people who close before December 1, 2009. However, I expect Congress to extend this program. At any rate, you can get approved and a lower interest rate at 620. What is the negative credit on your reports? Have you checked this negative info on all 3 reports? Is each account reported the same on each?
How old is each negative account? Do you know your scores mostly come from all credit activity in the most recent 24 months? Let me know what kind of negative credit you have.
Last, how many good (open) credit accounts do you have? Ideally, you will have 3 “tradelines.”
Thanks so much for your very kind words, Lisa.
Mike
Thanks, Rachelle, for sharing your experience. This is not about bashing credit disrepair companies. This is about your (low) odds of improving your credit while paying a disrepair company.
A credit repair company’s ONLY strategy is to score deletions….score deletions by firing off rounds of dispute letters. Please listen carefully: there’s a time and a place for deletions.
But not EVERY bad credit account benefits from getting deleted. When a bad credit account is removed, it removes a CREDIT account, even if it’s bad. If you have little credit, what do you have left to score? Improving your credit is NOT and CANNOT be about scoring deletions. You must add credit at the same time.
With some credit accounts, the strategy might be to go after a deletion. With other credit accounts, you might want to pursue FAVORABLE reporting such as “paid as agreed.” You also might get the “LATE 30 Days” updated to reflect never late. You don’t want to delete the account. You don’t want to remove the history.
Remember, bad credit is better than NO credit. I hear from more people who are shocked that living responsibly for years on cash makes it very difficult to get any kind of credit when they actually need credit.
Hope this helps you understand that credit improvement is not always about common sense or what’s logical.
Mike
Like Philip, I paid Lexigton Law Firm $50 a month for 2 years to “fix” my credit. Nothing about my credit changed…I just went further into debt because of their false promises.
Mike,
I only needed about 50 points but was able to get 80 points. The don’t dos you were again right…I hurt myself a little when I thought it was my only choice. I have realized it is not just a one time fix and be done. We need to take charge of our credit and thats why I continue to follow your site. Thanks for everything and I am looking foward to the new batch of CDs.
Brian
Thank you so much for emailing me, Brian. I really appreciate you taking time to share your success. People reading my blog need to hear from people like you taking action and getting results. I know people are skeptical. They’ve heard it all, as many have been burned before. Thanks again. Have a great weekend. I hope your college team won yesterday. I love college football and couldn’t wait for yesterday.
Mike
Mike;
I have heard of Lexington Law from several sources. I have not used them in any of my credit improvement attempts. My conclusion is that they are very bad news. This firm is so inept that I do not fear that may try to sue me for this statement.
Lester Falgout
New Orleans
lesnola@yahoo.com
Thank you, Lester, for stopping by. Phillip’s and your comments and experiences are similar comments I’ve heard for years. In fact, here’s something you might want to read:
http://www.fixmyuglycredit.com/blog/credit-law-repair-firms-lexington-law-firm/
This came from the Utah State Bar, Office of Professional Conduct. As I’ve said before, I have approached and tested many credit repair companies, because I know that most people coming to me do not want to fix their own credit.
For whatever reasons, they just want somebody else to do it. I would like to recommend a legitimate, affordable & effective company to them. You know what, even if a legit credit repair company charged people $2500.00, I easily could prove to people this was dirt-cheap to pay.
Every single day, bad credit is forcing people to overpay on every kind of insurance from health to life to auto to renter’s/homeowner’s. More and more employers today are pulling credit before hiring or promoting, and it’s damn tough today just to get a cell phone with bad credit…TracPhones aren’t for most people.
Thanks, Lester.
Mike
Mike
I used Mike’s information in order to qualify to buy my house. Everything he says is dead nuts on!
Thanks, Brian! What exactly did you need to do to qualify to buy your home?
Mike
I have been trying to improve my credit for the past three years. I got a job in August 2006 and started paying on my credit cards, student loan and some bills that were not in good shape. I thought my credit was improving because I started paying on the dept I owed. However, it was a rude awakens when I sent for my free credit report and founded out I was at the bottom of the credit scales. My student loan with Wells Fargo was off the charts with late fees, interest and other charges. My credit cards and automotive repair credit cards were in the same shape. I started cutting down on groceries and entertainment, so I could pay more on my dept. Some of my monthly payment decrease; however, some went to charge off only to be sent to collectors that hounded me. I started going with a credit repair agency in early 2006, they help reduce payment on two cards, but the rest went to shambles and I told them to close my account. In Apr 2009, I began paying Lexington Law to help me reduce my dept. I miss one month’s payment and they dropped my account and stated it was due to no payment received. Well after looking at my credit score, there were no significant changes other than the change due to me paying on my bills to reduce the owed amount. In conclusion, I will not reopen my credit repair account with Lexington Law; I will try your CD and see if it works.
Phillip, you have learned a costly, frustrating lesson about credit (dis) companies AND doing what’s right by paying off debt. If you previously had my CD, you would not have hired a credit disrepair company and you would not have handed your money to a debt collector…without following some suggestions first that is.
Unfortunately, I can’t even count the number of emails I receive daily or weekly from people sharing the same frustrating if not shocking story. Credit “repair” companies pitch us on just how good they are…with lawyers in fact. My real estate customers and I have spent 10 years searching for a legitimate, affordable & effective credit repair company. Guess what? We experienced exactly what you experienced, Phillip.
For sure, I know your outrage. I was pissed…and still am. Here’s what I know: 1. blindly firing off rounds and rounds of dispute letters can get you sued. Fortunately, you didn’t get sued. 2. Your scores will not improve by paying off a debt unless you do this first. I know it makes NO sense whatsoever that you do what’s right and your scores actually go DOWN, not up. Soon you will know why your scores went down and what you must do before paying off a debt.
One other point right now: credit REPAIR is one part of credit restoration. The other part is credit IMPROVEMENT. On my CD, I will show you how to add at least two credit accounts to your credit file and why these two account are REALLY good for your credit scores.
When you go through this CD, Phillip, you will shake your head, wishing you had had these secrets before paying off debt or hiring a credit disrepair company.
NOTE: Please don’t think I’m a credit repair company basher. My beef is exactly what you’ve experienced, Phillip. My real estate business nearly folded because I too trusted these “disrepair” companies to help my customers. I’ve experienced exactly (and worse) what you just shared.
Thank you for sharing! I mean it. Many people hear me say these things but they think I have some ulterior motive for bashing credit disrepair companies.
Mike
“In conclusion, I will not reopen my credit repair account with Lexington Law; I will try your CD and see if it works.”
My CD will work because all 8 secrets are tested by many, many people. These secrets give you 2 powerful credit-boosting accounts to add immediately. You should and you must add these two accounts. These are just two. Most people I talk with do not have enough ACTIVE and OPEN accounts (aka “tradelines” in the biz).
Credit improvement is more powerful than credit repair!
Mike
Hi Vickie, what have you done with your credit since getting your bankruptcy discharged? What credit card do you have? Do you bank at a credit union or bank? For how long have you banked (there)? Do you have my CD, 8 Secrets To A 680 Credit Score? If not, you can get it at http://www.fixmyuglycredit.com/credit-repair-offer.html
It’s free! On it, I share two perfect suggestions for adding credit even if you’re 1-day out of BK. I have other suggestions. Let’s start here and I look forward to hearing back from you.
Thanks,
Mike
I filed bankruptcy a few years ago and I am still having trouble getting my score up. Please Help! Vickie