Credit:
a derivative of the Latin word “creditus”(“to
believe”), which is the equivalent
of “to trust” |
A business is giving you their
services or merchandise and trusts that you
will pay for these items at a later date.Credit
has become part of our daily financial lives.
People are making fewer cash purchases and are
relying more and more on credit cards, debit
cards, and automatic banking transactions.
Your personal credit history is
linked to almost every purchase you make. From
cell phones, vehicle financing, mortgages, insurance
and even job applications, people are viewing
your credit reports more often than the average
consumer realizes. This is one reason it has
become more important than ever to maintain
a good credit history. Making payments on time,
avoiding unnecessary debt, and keeping a close
eye on your credit reports are ways to ensure
your good credit doesn’t become bad credit.
Understanding, using and managing
your personal credit is usually the key factor
that determines your lifestyle. Because your
credit plays such a major role in your life;
why not learn now and save yourself some serious
headaches, turndowns and rejection.
The information and links that
you find within this site are 100% unbiased
expert opinions and partners of Credit Assistance
Network, Inc. We take enormous pride in knowing
that we have researched and experienced each
of our affiliate partners and are certain that
when you obtain a product or service from this
site; you are getting effective, reputable products
and services. If at any point you have questions
regarding any of the affiliate links or information
on this site, we encourage you to call or email
us 24/7.
Proactively monitoring your credit
reports and continually working at maximizing
your scores has become increasingly important.
We recommend you evaluate your credit reports
quarterly or even monthly.
Why?
- Identity theft is affecting
one out of every five people in the United
States.
- Junk debt buyers and shady
collection agencies are deceptively re-reporting
and illegally placing bogus debts on credit
reports in the attempt to extort money by
destroying your credit.
- Your credit dictates your lifestyle,
home, vehicles, investments, insurance and
career!
- Over 70% of credit reports
contain inaccuracies. Do yours?
We recommend Identity Guard
See Also:
What
is a Credit Score?
How
to Season your Credit
Common
Credit Myths
Request
a Credit Report Analysis
Tips
to Prevent ID Theft
Despite the controversy, credit
repair does work if performed correctly and
with a bit of persistence. You as a consumer
have the right to challenge any item you feel
is inaccurate as often as you feel necessary
and each time you submit a dispute, the credit
bureau must either re-verify the disputed item
with the source that reported it or remove it!
The credit bureaus that store your credit history
are privately owed corporations that make a
fortune selling your personal financial history.
Experian, Equifax and TransUnion, (The BIG 3)
intentionally make the entire process especially
difficult in the attempt to sway you from continuing
your quest to repair your credit.
Why?
Because every time you submit a dispute; an
investigation must be conducted.
INVESTIGATION = MONEY
Under the Federal Fair Credit Reporting Act,
there are very strict laws in place that regulate
these companies and their activities. Right
now, the credit bureaus are costing you money.
Use these laws and information to your advantage,
don’t let them disadvantage you.
Repair your credit yourself for free
Free with our Complimentary Credit Repair Kit!
“I don’t
have any time to repair my credit myself!”
The credit repair industry has its share of
“BAD APPLES”. Just like any other
industry financial predators (thieves) prefer
to prey on people who are desperately in need
of help but don’t know what to do. The
credit industry is so taboo and unknown to the
majority of the population that it makes it
easy for these criminals to steal your hard
earned money. The federal government has adopted
a new set of laws called the Federal Credit
Repair Organizations Act to help regulate companies
that charge excessive fees and scams.
Regardless of these new laws, the majority of
“Credit Repair Organizations” will
still overcharge you and do little or nothing
in return for your hard earned money. In our
years of industry experience we have only been
able to find ONE effective and affordable company
that gets the job done. Us!
See Also:
Credit
Basics
Credit
Repair Facts
Request
a Credit Analysis
|
Yes,
it’s a fact. You are able to repair
your credit on your own. It’s
not brain surgery, but it does take
time, patience and persistence. Credit
Assistance Network has revised and republished
our “FREE
Credit Helper Do It Yourself Credit
Repair Kit & Legal Letter System”
for the 2nd time in January 2006. You
may download the entire e-Book as well
as the 20 pre-typed sample letters free
of charge. |
If your credit is a complete disaster, you
may want to consider allowing us to repair
your credit. Click
here to learn more....
Building credit is the key to
an excellent credit score. You are born with
a ZERO credit score. When you are old enough
to apply for credit you’re given a chance
to make good on credit extended to you and with
this new responsibility you are given a set
credit score. Pay on time and use your credit
wisely and your score will increase, default
on any account and your score will drop like
a thermometer.
Building credit takes time, money and technique.
Each time you apply for credit your score will
be affected so you must apply for and build
your credit wisely to ensure a good credit score.
There are very important guidelines to seasoning
your credit. If you are serious about having
ideal credit scores, we encourage you to read
up and learn. If at anytime you have a question
about any credit, debt or home loan topic; you
can ask
the experts.
See Also:
Building
Credit
How
to Season Your Credit
Become
a Credit Card Expert
Compare
and Shop Credit Cards
