Free Credit Repair Secrets Teach Consumers How To Fix Ugly Credit
From the comfort of home, people with damaged credit
can fix their own credit with step-by-step, easy-to-understand "secrets"
from FixMyUglyCredit.com.
Sarasota, FL (PRWEB) November 9, 2006 -- FixMyUglyCredit
has launched a free credit
repair e-course at www.fixmyuglycredit.com to provide do-it-yourselfers
with step-by-step help with fixing their own ugly credit.
People with ugly credit often face embarrassing credit rejection; pay
more money in fees for the"privilege" of bad credit loans;
and typically do not know how to repair their own damaged credit.
The wait is over.
Now people interested in repairing their own ugly credit can receive
free credit repair.
Mike Payne, a mortgage broker and Realtor, has witnessed frustration
and disappointment in people whose dream of home ownership has faded
with the news of their bad credit. Now, he's proud to be teamed with
a group of seasoned credit repair specialists who are willing to share
their credit repair expertise.
"Unfortunately, many people have incorrect information showing
up on their credit reports. It's a mistake; it shouldn't be there. But
it is there, and it's killing their credit scores. Often, they don't
even know they have incorrect information showing up on their reports
until they apply for credit. And when it's a mortgage application for
a family's dream home, it's devastating," Payne stated.
"People want to know what to do to fix their own ugly credit,
and we're going to help them with free credit repair at www.fixmyuglycredit.com,"
stated Payne.
This free credit repair training will teach people:
*How to add "tradelines" or positive accounts to your credit
for quick score improvement.
*How to perform a Debt Validation and remove bad credit.
*How to stop collection agencies' deceptive and "strong-arm"
tactics.
*How to get help from the Federal Trade Commission & The Fair Credit
Reporting Act.
*How to negotiate with your creditors to settle your debts for pennies
on the dollar.
*How to negotiate with your creditors to remove -legitimate- bad credit.
*How to use small claims court to remove bad credit...last resort but
it works.
Mistakes on credit reports is a huge problem, according to the U.S.
Public Interest Research Group (U.S. PIRG), which reports that 79% percent
of all credit reports include errors:
*Twenty-five (25%) percent of those reports contain serious enough
errors to result in denied credit.
*Thirty percent (30%) of those reports incorrectly report closed accounts
as open accounts.
*Fifty-four (54%) of the reports contain personal information that
is wrong or inaccurate.
Many people with bad credit don't know their rights. They know even
less about bad credit repair or the Fair Credit Reporting Act or the
laws protecting them from unscrupulous debt collectors.
It's that clear and simple. If an account reported to a credit reporting
agency is not 100% correctly reported, the bad account must get deleted.
With the right information, determination and attitude, people can
provide their own bad credit
repair.
In fact, the Federal Trade Commission advises people to try to fix
their own credit – people do not have to search for and pay a
legitimate credit repair businesses to do something they can do on their
own.
According to the FTC, consumers need to be extremely cautious of advertisements
for credit repair in newspapers, on TV and on the Internet. Consumers
need to avoid the outrageous claims made by credit repair websites and
companies.
"Creating a new credit file with a new tax ID or social security
number for the purpose of committing fraud is illegal, yet credit repair
scams continue to entice consumers with 'get rich quick' offers,"
Payne added.
For consumers eager to take charge of their bad credit situation, FixMyUglyCredit
will provide step-by-step instructions for improving their own ugly
credit.
For additional information on this free credit repair e-course delivered
regularly to your email box, visit http://www.fixmyuglycredit.com.
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