Wednesday, December 31, 2008

The "Know How" On Repairing Your Credit

There are three (3) major components to successfully repair your credit and increase your credit scores; namely: 1. Patience, 2. Persistence and 3.Determination.

For those of you who were told by your credit repairers and consultants that all you have to do to clean up your credit and increase your credit scores is to pay them a lot of your hard earned money, change your names and social security numbers, etc., it is not only deceptive and false, it is a myth. That is misrepresentation and fraud.

There is no quick fix or short cut in cleaning up your credit. You have to be patient, persistent and determine in repairing your credit. Moreover, you have to work with an expertise, or a consultant that is honest, and has the legal knowledge and “know how” of how to remove and delete inaccurate, negative and erroneous data from your credit. Keep in mind that accurate data reported on your credit cannot be deleted or mysteriously removed based on personal contacts with staff members of the Credit Bureaus. For more information on how to successfully repair your credit, go to: www.sdcg1.com

Cleaning up your credit can take up to 2-5 years, or more. However, sometimes it can be done within a more reasonable period of time if the client cooperates fully. Also, it depends on how fast the creditors, reporting agencies and Credit Bureaus expedite your requests, inquiries and correspondences. I have had a few cases where we were able to take a credit score of 400 to 700 in one year or less. Again, it all depends on how many inaccurate and erroneous data were reported by your creditors or reporting agencies. It also depends on skillful negotiations with your creditors. See: www.sdcg1.com or at: http://www.sdcg1.com/otherservices.html

There are many crucial factors and laws that a credit consultant or repairer must invoke in order to clean up or repair your credit. You have to know about statute of limitation, proving the validity of debts and judgments, making sure that such creditor or collection agencies are registered and licensed to collect in your respective State, etc. Once you know how to invoke the applicable laws that are in accordance with the Fair Debt Collection Practices Act and Fair Credit Report Act, and how to take legal action against reporting agencies or creditors for failure to comply, you can repair your credit legally. There is no other way to do it. Contact us today at: www.sdcg1.com or http://www.sdcg1.com/otherservices.html

Let me conclude by reiterating that there is no overnight or quick fix in repairing your credit. For those scam artists who masquerade as credit repairers and consultants taking your money and making promises to clean up your credit by changing your name, social security numbers, having inside connection with the Credit Bureaus, etc., it is all a myth. If you wish to clean up your credit the right and legal way, contact us at: www.sdcg1.com

Please be reminded that credit worthiness is the key to success in the United States of America and other parts of the world. Now is the best time to negotiate deals with your creditors and clean up your credit. Be a part of the American dream, get your credit scores to 700 and higher, and experience great success in your business and personal life. See us today at: http://www.sdcg1.com/otherservices.html