Beware Offers of Credit if You Recently Filed Bankruptcy

June 17, 2009

By Mike Wayman

Bankruptcy happens for a number of reasons. From financial hardship to medical problems, bankruptcy is a safety valve for the American Consumer. There are downsides to bankruptcy however. One of the biggest fears that people have when they file for bankruptcy is how long it will take to re-establish credit properly and whether or not they will be able to acquire new credit to buy things like automobiles or just to be able to qualify for a credit card.

One of the most interesting things about the credit industry, that surprises most people that file for bankruptcy, is that after your bankruptcy is discharged, offers of credit come pouring in to your mailbox and even your email. It seems to make absolutely no sense that if you recently discharged a bankruptcy that a credit issuer would want to take the risk of extending credit to you right? Well my friends, that’s not how the credit industry works.

Once you file bankruptcy you become a prime target for credit. You become a prime target especially after your bankruptcy is discharged. Here’s why: the credit issuers can charge you outrageous interest rates, some rates as high or higher than 20%.

It’s common for people that recently discharged a bankruptcy to receive solicitations in the mail from automobile dealerships that have financing arrangements with subprime automobile finance companies. Many of these companies will require large down payments with interest rates in the double digits. In thee cases, it almost makes more sense to save your money and buy a very inexpensive car if you can.

Other offers of credit can come from credit card issuers. These credit card issuers may only extend $500.00 of credit but charge up front “set up” fees and other annual fees that will make your available balance, just by accepting the card, less than $300.00.

Avoid falling for these kinds of traps as much as you possibly can. When you receive offers of credit after a bankruptcy, be sure to read the fine print on the contract if you are interested in reestablishing your credit.

Who Should You Order Your Credit Report From?

June 15, 2009

By Mike Wayman

With so many credit report companies offering credit report services these days it can be difficult to tell who to get your credit reports from. National television commercials offer free credit reports to consumers but there has to be a catch, right?

The catch is quite simple. Many of these “free” credit report providers aren’t the well intentioned do-gooders they say they are. In fact, what they’re really after is what’s known as an “up-sell” in the sales industry. Sure, they might give you something that looks like a full fledged credit report, but what they’re really after is the ability to sell you their products and services.

The most annoying aspect of these free credit report websites is that they will continue to email you for years if you let them in their efforts to sell you their credit repair services. I like to think of these free credit report sites as gigantic bait and switch schemes. They reel you in with the bait (a free credit report) but they immediately switch to sales as soon as they give you the report.

You also need to be careful about who you give your social security number to these days. As a former police officer I’m highly suspicious of anyone that asks me to give out my social security number, especially when the product they provide is completely free of charge. Isn’t your social security number more valuable than a free credit report?

My advice is to get your credit reports directly from the credit bureau’s themselves. Just Google Experian, Transunion, and Equifax. You’ll be able to get a valid copy of your credit report directly from the source.

If you are looking for a free credit report to begin the credit repair process, I would first seek out a trustworthy credit repair company and ask what the credit repair representative advises. Some companies will want you to order your reports directly from the bureaus while other credit repair firms will want to pull credit on your behalf. If you are seeking a credit report for your own use, the bureaus will give you a free copy every year if you ask for it.

Credit Deletion with Certified Credit Repair

June 10, 2009

By Mike Wayman

As my first blog post I’d like to first welcome you to Certified Credit Repair. Our company strives to provide the highest quality credit repair service at the most affordable price.

One of the aspects of our service that sets us apart from our competition is that we offer a $10,000.00 guarantee that our services will work, that is, that we will completely and permanently delete derogatory tradelines from your credit profile for good.

Our company does not send off dispute letters in the high hopes that your creditors will fail to respond. These strategies seldom work and definitely don’t work for the long term.

My goal is to help my clients get back on track financially and in modern times a clean credit profile is absolutely necessary in personal life and in business.

You’ll see posts on this site on a daily basis that are geared towards informing our readers of credit repair strategies and tactics, credit repair scams and alerts from the government as well as credit repair news from across the nation.

Feel free to return to our site frequently for the most up to date news in the credit restoration field. I look forward to building a long term relationship with everyone interested in credit repair.

Respectfully,

Mike Wayman

Affiliates

Certified Credit Repair maintains an affiliate program that offers an extraordinary business opportunity for existing credit repair companies and for entrepreneurial minded individuals that wish to effectively, ethically and legally provide guaranteed credit repair and credit deletion services.

Our affiliate program is designed to provide credit repair brokers and those interested in selling credit repair the ability to offer an industry wide, exclusive unique selling proposition: a $10,000.00 money back guarantee.

In addition to the power of this unique selling proposition, Certified Credit Repair provides a generous compensation program for affiliates with the back end support our affiliates need. Unlike other affiliate programs, our proprietary back end tracking system insures our affiliates sales are tracked accurately and that compensation is paid regularly and on time.

To inquire about becoming an affiliate of Certified Credit Repair call us now at 1-888-854-8351 or simply fill out the Contact Us section and one of our credit deletion experts will contact you soon.

Testimonials

“I didn’t believe it was possible to delete my six bankruptcies permanently.
I’m blown away by the results especially after trying so many other credit repair companies. I even tried a non-profit firm.
I am happy that I decided to trust your organization.”

Ron Q.
Toledo, OH

“Thank you guys for doing everything you said you could. You guys definitely promised a lot but certainly delivered me with results.
My credit score is now over 700 and it’s easy for me to finance whatever I want now.
Before I used you I tried an attorney that said he would get my credit fixed. Well, it worked for a short time but the negative items just kept popping up.
This was definitely not the case with you guys.
After 10 months all of the negative credit was off of my report and it has stayed off.”

Cathie Williams
Orange, CA

“In only a few short months my credit score went from the low 500’s all the way in to the 800 range. This is simply unbelievable.
Everyone I knew said this had to be too good to be true but it wasn’t.
Now after getting a score higher than I thought possible I’m happy I went through with your program.”

Sam Greenley
Las Vegas, NV

“My score went up over 120 points in only 3 months and I wanted to let you know how pleased I was with your services.
I have a background in lending and I never thought what you said you could do would be possible. Everyone that I know that has credit problems I have referred to you and everyone that has participated in your service has seen similar results.
I am now able to buy things that I took for granted before my credit went in to the toilet. Anyone that is considering credit repair should definitely use your company.”

Greg Gaynor
Marietta, GA

“For the first time in many years I actually got a cell phone contract without any hassle from the cell phone company. I can’t explain how good it felt to be able to walk in to the store and get what I wanted without feeling like a terrible human being because I had a low Fico score. This service means so much more to my family than just good credit. What it really means is that we can get the basic necessities without haggling with people. Thank God for your service.”

Carl and Judy S.
Oceanside, CA

“Thank you for everything you’ve done. You accomplished more than I thought possible and I’m an attorney.”

J.R.

“Having perfect credit is necessary in today’s world in both our personal lives and in business. This program has been a benefit to me in both my personal life and in business. I never thought my credit would be as bad as it got but you helped me get over the hump. Now my credit is perfect again and I couldn’t ask for more.”

F.D.
Business Owner

“I was very skeptical at first when you told me that you could delete virtually anything. I’m still amazed at the results.
You have definitely performed far better than I ever expected.
I think you guys could charge an arm and a leg more for your deletion program and it would still be worth it.”

Judy and Peter F.
Nebraska

“We would not have a home if it wasn’t for you. After going through your program our scores went back up to the point where we could buy a new home and we thought it wouldn’t be possible.
You were able to get our bankruptcy removed from our credit. I am eternally grateful and I will recommend you to everyone I know.”

Bethany and Alex H.
New Haven, CT

“Thanks for all of the outstanding results you and your company have done for me.”

N.F.
Louisville, KY

To start the process of repairing your credit permanently call Certified Credit Repair at 1-888-854-8351 or simply fill out the Contact Us section now and one of our representatives will contact you shortly!

Apply Now

Applying for credit deletion couldn’t be easier. You can download our application directly from this page. We understand that you’ll most likely want to first speak to a credit deletion representative prior to submitting your application and there are two ways to get in contact with us. First, call us directly at 1-888-854-8351 or, alternatively, you can fill out the Contact Us section on the right hand side of this page and a representative will contact you in 24 hours or less.

Our credit deletion experts will explain the entire process in detail, answer all of your questions and explain the minimal documentation required to start the credit deletion process.

Contact Certified Credit Repair today at 1-888-854-8351 or just fill out the Contact Us section right now and one of our representatives will call you right away!

APPLICATION

Are You a Candidate?

If you have considered credit repair then you are most likely a candidate for credit deletion. What credit deletion offers is what most people that want credit repair are really after: a permanent solution to derogatory trade lines. There are some factors that you should consider however:

Will the damage to your credit report be ongoing?

If you think that you are going to continue to have new derogatory credit issues in the future then you may want to consider holding off on credit deletion. We will not delete derogatory credit lines that appear on your credit report after you submit your application.

Are you considering bankruptcy?

If you are considering bankruptcy, especially filing a chapter 13, then you may want to wait until the chapter 13 bk is discharged. Our program will not delete an open chapter 13 bk. If you have recently had a chapter 7 bk discharged then you are ready to move forward with credit deletion.

Are you hoping to avoid paying back your creditors?

Credit deletion does not eliminate your obligation to repay your creditors. If you are considering credit deletion and you are eligible to file for a chapter 7 bk, then you should consider holding off on credit deletion until the chapter 7 or chapter 13 bk is discharged.

Are you in the middle of a loan modification?

If you are attempting to modify an existing loan you should wait until the modification is permanent.

Typically speaking, the clients that want traditional credit repair services are perfect candidates for credit deletion. The main difference between the two different services is that credit deletion is permanent and you should wait to file for credit deletion until after a bk is discharged. Otherwise, credit deletion is the clear choice when compared to credit repair. The best part is that the cost of credit deletion is comparable, if not less expensive, than paying a traditional credit repair company an ongoing monthly fee for years.

Credit Repair Vs. Credit Deletion

The main difference between credit repair and credit deletion is that in credit deletion, derogatory credit is permanently removed from your credit profile. At most credit repair companies the process of improving your credit score is virtually identical. A representative from the so-called credit repair company will author letters of dispute on your behalf. These letters of dispute are intended to provoke a creditor to respond to the dispute within 30 days. If the creditor fails to respond, then the derogatory trade line is supposed to come off of your credit report. This strategy is poor at best. Here’s why:

There are multiple credit bureau’s and this strategy may not work with all of them. Therefore, your overall credit score average will still remain low.

Whenever the creditor decides to report the same derogatory credit item to the credit bureau’s in the future the same trade line will most likely reappear.

Finally, this strategy is contingent on your creditors not responding to disputes and not on the skill or effectiveness of the so-called credit repair company. This is perfect for most of these “credit repair” companies because what they are really after is to charge you a monthly fee for AS LONG AS IT TAKES to get not just one creditor…but all of your creditors to “forget” to respond to a dispute. You could literally spend thousands of dollars and multiple years waiting for your credit to improve.

Don’t fall for the claims of the so-called credit repair guru’s. Get your credit repaired permanently today via credit deletion.

Credit Deletion is Superior to Credit Repair!

Instead of hoping one of your creditors will fail to respond to a dispute letter our attorney backed service will remove derogatory credit from your credit profile permanently!

Here’s an overview of what we guarantee:

Permanent removal of derogatory trade lines
Credit score improvement at all of the main bureau’s
You will not have to pay us ever again because there are no revolving fees
$10,000.00 to you if we fail to delete derogatory credit items

We can permanently delete foreclosures, mortgage late payments, revolving debt payments, and all bankruptcies except an open Chapter 13 filing