I've been sharing this message for many years . It doesn't take years to have good credit and you don't have to be dishonest to make it happen. You can EARN 15-40 points in 30-45 days and up to 100 points or more within 6 months. The key is combining the law with the truth. Some experts teach you how to manipulate the law while others tell you how to pay your bills on time. Both methods do get you some points, however neither are telling you the whole story and rarely does anyone understand how the law can help you get a fair chance at not only paying a fair amount off, but getting a bad account removed in it's entirety. Challenging all derogatory debt regardless of it's validity is not only unethical, it can cost you a lot more money in the long run.
So, how do I earn these points, get accounts removed and be honest through the whole process? First you get a complete copy of all 3 credit reports from www.annualcreditreport.com. Then you look at all 3 very carefully. If you have really poor credit you'll notice some collection accounts repeating from one credit report to the next. So what's the big deal. Look again. Many times the last date of activity on one report will be different then another. This is known as re-dating. So what? The amount they say I owe looks correct. Look again. Many times the collection agency will load on automatic fees, increasing the amount you actually owe. These are both valid reasons to request validation of debt.
Once you request validation, the collection agency must cease all collection activities until the debt can be validated. Many times they still keep at it, even to the point of summonsing you to court. So what? I owe the money. Think again. The burden of proof is on the collection agency. There are a rise of judgments in our court systems and 70% of them are false, yet consumers are getting taken and no one is doing anything about it while collection vultures are literally robing you of your rights.
It takes a trained eye to catch all this and more but their is help. "Well", you say, "I can fix my own credit." Think again. You can fix your own taxes too and you may get a return, but are you getting the best return you can get? It's likely unless you're a professional tax preparer, you're not. Well the same holds true for your credit. We'd love to be your Credit Consultant.
S&C is an IRS 501 (c) 3 organization and has over 8 years of in-depth knowledge and understanding of credit. How about giving us a call to make your appointment. You can get your credit checked every year just like you do your taxes. This way you won't forget and you'll be taking care of both financial opportunities at one time. Give us a call at 773-383-0849 and visit our website at www.sandcgroup.com.
