At one time many, many years ago you could go through life without anyone knowing your identity, your credit history, your public records, or having people checking on your life.
Not so today!
Seems as though today, everyone knows all they need to know about you: your identity, your credit history, your public records, or the people making inquiries about you. This can all be accredited to computers, the internet, and the "modern world" we live in. And of course.......... Credit Companies!
Did you know your credit score and debt picture all play crucial roles in achieving your financial goals? Your credit score and debt picture actually play a part in all of the following:
Lenders may use your credit score for loan decisions and terms on a loan. The higher the credit score, the lower the interest rate.
Home mortgage companies may use your credit score to decide whether or not you can get a loan and the interest rates they set.
Insurance companies can decide whether or not you get insurance and the rates that apply to you.
Landlords may use your credit score to determine whether or not they rent to you, the rent they charge, and the security deposit they demand.
Credit card companies may use your credit score to accept or decline your application and also determine the interest rate.
So you can easily see why with a healthy score and responsible past credit behavior, you will make it more likely for lenders to offer you lower interest rates on the items we mentioned above and many more advantages that favor you. Knowing your score and how it compares therefore becomes very important!
Even more important is:
Knowing the information and steps you need personally to correct your credit report.
Knowing where to go and what to do to improve your credit score.
Knowing how to correct your credit score in as fast a time possible.
Knowing how to remove detrimental items from your credit report.
Knowing how to rely on yourself rather than someone else to repair your credit score
You may be thinking, "why not hire someone to repair my credit report?" Or, "why not go directly to the credit bureaus?" Or, "why not just let time fix my credit report?" Or, "just how much difference can my credit make?"
Credit Repair Services may sound interesting, but in fact they may be much more trouble than they are worth. They may deliberately drag out their services to charge you more. Also because of the forms you must obtain and fill-out are very complicated, you might just as well have done it yourself.
Books to include printed books, e-books, or an audio programs; may also sound enticing, but even the best of them require you to write your own letters and figure out for yourself how to best dispute negative items. Also very complicated!
Credit Bureau Instructions may also seem enticing, but they could be the same as "the wolf instructing the sheep!" They may be free, but you get what you pay for! "Buyer Beware!"
One of your goals should be to find and identify a program that will help you in Repairing You Credit Score!
If you are looking for a complete downloaded computer program for credit repair look for one which shows you how to do it yourself. Just be sure they offer:
1. Simple, fast, and very effective ways of improving your credit score.
2. True point and click simplicity with no letters to write, no laws to understand, with no complications whatsoever.
3. Customization of letters, already written especially for you with replies to credit bureaus in a simple efficient manner.
4. Fast track "methods" that can actually produce results in a matter of days.
5. An automated dispute tracker program personalized for your needs.
6. A "self-directed" system which allows you to spend less time than you would if you paid for a service or an attorney.
Programs can be found on our website: http://www.49plusandholding.com/. To learn more about credit repair follow our link to the section on Legal and you will be pleased to learn the steps necessary to repair your credit score.
Jerry is retired after 40+ years in Education. He holds a Doctorate in Exercise Physiology and a Doctorate in Jurisprudence. While in education he completed research and taught in the areas of Anatomy and Physiology, Exercise Physiology, Kinesiology, Biomechanics, Psychology, Biology, Research and Design. In addition to teaching he also served as in-house legal counsel for a number of school districts handling various legal matters. His coaching experiences included: swimming and diving, soccer, cross country, track and field. He presently devotes most of his free time playing at golf and writing and directing 49 Plus and Holding, Inc. http://www.49plusandholding.com/.
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