Credit 101
My credit is not-so perfect
What can I do to fix it?
Whether you've fallen behind on your bills, been sued, had a foreclosure or even declared bankruptcy, you should know one thing: NOBODY'S CREDIT IS TOO BAD TO REPAIR!
You're not alone. The economic ups and downs have affected many people. Disposable incomes are down and savings are evaporating. Millions of honest, hard-workng people - the same ones who received credit offers almost daily in normal economic times - are having problems paying their bills. And over 1.5 million people filed for bankruptcy last year.
You have legal rights. By knowing and asserting your rights, you can do a lot to get bill collectors off your back and give yourself a fresh financial start. People in debt who assert themselves often get more time to pay, have late fees dropped, settle debts for less than the full amount and get negative marks removed from credit files.
And here's the best news of all: You can do it yourself.
So, what are the steps? It’s relatively simple:
1. Understand your credit. You can’t fix what you don’t know. I can show you what may be holding you back and how to resolve any issues you may have. As a matter of fact, you may be much closer to your dream than you think.
2. Develop a plan. I’ll work with you to outline a plan to get you to your destination in a given period of time.
3. STICK TO THE PLAN. This is where the commitment and patience come in. Once you have a plan, you must stick to it. This may mean some sacrifice in the short term; just remember that your reward at the end of the trip is your dream home!
I’m going to provide you with invaluable, and in some cases, previously unobtainable information detailing how the credit system works, and what you need to do to fix your credit.
Remember, I’ve helped many people just like you realize their dreams of home ownership. So are you ready? Let’s get started!
Understanding Your Credit Score
What Makes Up Your Credit Score?
Tips on Negotiating with Creditors
How to Deal with Debt Collection Agencies
When all is said and done, you are the master of your credit fate. If you've read everything then you know what you need to do to get the ball rolling. Have more questions? We're here to help so click on this link to sign up for our free Credit Counseling Workshop. For personal counseling just fill out the forn below.
Good luck!
