| Do I Need Credit Repair? If you are in need of financial help and have debt that you can't pay off, collections or charge-offs, need to qualify for loans and credit, need to increase your credit score, we have a debt elimination program for you. IS CREDIT REPAIR LEGAL? Absolutely. There are state and federal laws governing credit repair. Obviously, there would not be laws governing the operation of an illegal business. When a creditor reports anything on anyone's credit report, they must follow 246 laws and statutes of reporting perfectly! If just one law is not followed in their reporting (we have a challenge and dispute team that almost always finds several laws that have not been followed), then that account is being reported inaccurately. If an account is being reported imperfectly, then that information is, in fact, inaccurate. The Federal Fair Credit Reporting Act states that any information that is inaccurate, erroneous, or obsolete must be deleted permanently!
First, you need to understand that many credit repair companies are not trustworthy. We understand that. We try to give you honest
expectations, but you need to know this is not a perfect science. There are lots of attorneys who do credit repair and their approach is one sided. Basically they write letters saying "I'm a lawyer, you better do what I say". We take a multi- purpose attack. We, at Credit Help USA, can remove anything they can, and usually more, as well as provide all the extra assistance one would need, and for a much lower price. Our success rate is around 75-80%, no matter what type of item it is. Bankruptcy is neither harder nor easier than a simple late pay. We have numerous mortgage companies, car dealerships, builders, etc. who work with us because of our honest approach. We do believe that our system is as good as it gets. It's very effective, honest and legal. We are not trying to beat the system, only to make the system fairer for us all.
What is included in our service?
* Credit Consultation * Credit Education * Credit Restoration * Debt & Interest Negotiation * Stop Creditor Harassment * Credit Rebuilding * Lobbying for Credit Law Reform * Mortgage Services
At Credit Help USA, we will help you get those lower interest rates and down payments, which will keep money in your pockets.
Did You Know?
Your credit score affects nearly every aspect of your life, including employment opportunities, insurance & interest rates, and purchases. | | ARE YOU SWIMMING IN DEBT? Can't keep up with the monthly payments? Low FICA Scores? Creditors calling and harassing you? Paying high interest rates? Can't receive a loan or credit card? Thinking about filing for bankruptcy? Can't qualify for major purchases such as a home or car? You are not alone. 80% of everyone you know has credit issues. We provide a 110% written, money- back guarantee! We have the ability to remove any negative account. This includes, but is not limited to : Charge-offs Evictions Tax liens Student loans Foreclosures Late payment Judgments Collections Medical Repossessions Charge-offs Bankruptcies Our program is superior to bankruptcy, consolidation or settlement. Bankruptcy will stay with you for a long time and is truly not the way to go for most people. Don't throw your hard-earned money away, paying on debts that have hurt you all that they can. Paying on collections or charge offs will hurt your credit score in several ways. They are usually shown over and over on your credit reports. You have to know that these accounts have been sold, and you are not dealing with the original creditor. Paying on these accounts will actually renew the debt on your credit report for another 7 years from the date of last activity. These accounts, and others, need to be deleted permanently, and this would enable you to walk away from those debts legally. We can: * delete your negative accounts, * increase your credit scores, * stop creditor harassment, * reestablish your credit, * put you in the position where you qualify for loans/credit cards again, at lower interest rates, and save hundreds of dollars per month. You can qualify to have your dream home and/or a new car, at a decent rate. There is a price to pay for having less than perfect credit and that price is reflected in down payments and interest rates. COST OF BAD CREDIT Example: Car $20,000/5-Year Term | Credit | Interest | Payments | Total | | Bad | 15% | $475.80 | $28,548 | | Good | 5% | $376.60 | $22,656 | | Penalty | 10% | $99.20 | $5,892 |
Example: House $125,000/30-Year Term | Credit | Interest | Payments | Total | | Bad | 10% | $1,097 | $395,100 | | Good | 6% | $750 | $270,000 | | Penalty | 4% | $347 | $125,100 |
As you can see, the savings are substantial. The money you save by having good credit and lower interest rates is more than the original price of the loan! Bad credit will generally require an average of 20% down versus 5% or even zero down.
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We are Members of the Ethical Credit Repair Alliance | |