FACTS vs. FICTION

Fiction

The best way to fix your credit is to go to a lawyer or credit repair services company, who will fix your credit for you.

Fact

There is nothing that a Lawyer or CRS can do for you that you can’t do for yourself.

Our DIY package contains the same knowledge that these people use to try and fix your credit.

Don’t believe us just ask Federal Trade Commission (FTC) a world-renowned consumer protection agency in the USA.

These are some quotes from the FTC that you can verify with them:

“Credit Repair: Self help may be best”

Our self-help package will allow you to follow the advice of the FTC.  Do it yourself!

“The Scam: …They promise, for a fee, to clean up your credit report… After you pay them hundreds or thousands of dollars… Many simply vanish with your money.”

If you do the work yourself using our package you eliminate the risk of being a victim of one of these credit repair services company scams.

Fiction

One negative item on your credit report is nothing to worry about.

Fact

It often only takes One negative item on your credit report to cause you to be declined by certain creditors.

One R9, One account in collections, One court judgment, and the worst, One bankruptcy.

One of any of these items on your credit report are reason enough for many creditors to decline your credit application.

Fiction

The law says that the negative information on my credit report must stay on for 6, 7, or 10 years.  I have to wait until then before I can have good credit again.

Fact

The law says that the negative information on any credit report may stay on for 6, 7, or 10 years maximum depending on certain circumstances.  There is no provision in the law that says the information can’t be removed earlier than this.

Fiction

It is impossible and illegal to have negative information that is mostly accurate or 100% accurate removed from your credit report.

Fact

Just as trial lawyers do in criminal matters, it is often legally possible to have mostly accurate or 100% accurate credit information removed based on certain technicalities.  We provide you with the tools and information you will need to try to remove this information yourself.

Fiction

The credit repair process will take several months or over a year.

Fact

The credit repair process often takes from 45 days to 3 months.  Some people may require more time if they have a large amount of items to clear.