My name is Gary L. Honeycutt and I am co-owner of Credit Help USA. For legal reasons, I have to say that this opinion is mine and does not necessarily represent this company or others within this company.
How many times have you heard that credit repair doesn't work? Who tells you this? Basically, there are two groups with this perspective. One is the banks, credit card companies, politicians, credit bureaus and all others that control the wealth in this country. Group two is the rest of us. Who tells you that credit repair doesn't work? It's group one. Why is this? Group one gets richer when group two is paying unfair interest and penalties. They do not want you to know the truth.
I am tired of this. I see people daily come in my office desperate for help. They can't make ends meet. If I can give them peace of mind and save them money along the way I am going to do it. There are lots of folks out there that an extra two to three hundred dollars extra per month would mean the world to them. It literally means surviving or not. Our business actually serves everyone from doctors, lawyers, bank presidents down to the guy making $8.00 per hour. The Wall Street Journal estimates that 72% of all Americans have credit issues.
Did you know that as we speak there is a new MEDICAL CREDIT SCORE being developed? This is all projected, but here is what it may mean. If you go to the hospital and don't have insurance you will be seen if it's considered an emergency. However, afterward you would not be admitted if your score is too low. Insurance premiums will rise for those with low scores. Employers that provide medical insurance to their employees will get better rates if they don't hire employees with low scores. Imagine, you have experience and education to land that great job, but get turned down because your MEDICAL CREDIT SCORE is too low. Unfortunately credit repair companies are their own worst enemy. Many are dishonest and do not provide the services they promise. Is this any different than any other type of business? One car repair shop gives great service and one cheats you. Use due diligence to find that honest credit repair company. Credit repair is legal and effective when performed by a professional company. This is not to say that all your problems will be removed, but with us it means most will. We charge a very fair price and in return give you an honest, effective service. We both win. My COMPANY has to tell you that accurate information cannot be removed. The law makes us tell you that. It's in our contract. The truth is that it can. I am not saying it will, but it absolutely can. Then there is the definition of accurate. If any part of an item that is reported is wrong than the whole item is inaccurate. This means something as simple as a date or balance that is wrong gives us leverage to get that item removed. Almost all reporting's are inaccurate. This includes banks, department stores and mom and pop jewelry stores. You can paint your house or change your oil or hire someone to do it. Why can't you pay someone to fix your credit? You can, but you have all these companies saying it doesn't work. Why do they say this? Because credit repair companies cost credit bureaus and banks millions of dollars each year. So they lie to you and try to scare you. The banks and collection agencies pay the credit bureaus. You never pay them anything. Who are they going to listen to?
It is time today to start fighting back. Bad credit stays on your history for at least seven years. I don't say that when we mess up a little. not to penalize us, but make it fair. We send letters to congress monthly demanding credit reform. When you join our membership your name is added to the list they receive. We are the grass roots movement to force real reform. Imagine me saving you a couple hundred dollars per month. Put it in an investment for your kids future, give to charity, but please don't just give money away to banks. They have enough. Why is there a new bank being built everyday on a new street corner. There is an old saying that you can lead a horse to water, but you can't make it drink. Well, here's the well. What are you going to do? I am going to fight back for me and in some small way for every one of our clients. The credit industry in this country should be criminal. If you are upset over paying $3.00 a gallon for gasoline ($5.00 in 2-3 years) and if you think healthcare is obscene than you should be even more upset over the credit industry.
This, is of course, just my opinion.
Gary L. Honeycutt