Foreclosure, etc... Is your credit just not salvageable? For
many situations, bankruptcy may be your best option. See real
life case files of how it helped or hurt others. If BK is your
best option, our professionals can help you start over with a
low cost bankruptcy.
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decision possible, is the decision to not act!
real people solving real
problems. Want to talk to a real live person?
Toll Free 877 604 6636 EXT 3 (between 9am and 6pm Pacific Standard Time).
When calling please reference Service ID Code
If you have debts and
collections that are affecting your credit
scores and ability to buy a home, a car, get personal loans, etc...
are really only 3 possible choices...
Pay Your Creditors-
That, of course, is much easier said than done.
Fix Your Credit-
We are committed to helping you do just that. Whether you use
our professional services, do it yourself after purchasing our
Credit Kit and Manual, or even if you just get it for free. We
are going to help. But it's important to know that not all
debts are created equal. The older a debt is, the easier it is
to get it removed. The more recent it is, the more difficult.
If the debt is less than a year or so old, the creditor can often
pull out the information they need to prove the validity of the debt
by just reaching into their desk drawer. If the debts that are
causing you the most problems are new, your best bet may be
File BankruptcyBankruptcy no longer has the negative stigma that it once
did. And with the credit repair kits that we included with
your bankruptcy page, you can find your self credit worthy in no
time.For details of what Bankruptcy can and can't do
for you please see
We do our best to provide you with
all viable options. But remember, do something!
Worst thing you can
do is to Do Nothing. Credit issues do not disappear on their
own. Collections turn into judgments which turn
into garnishments from paychecks and confiscation of bank accounts.
The quicker you get to work on solving them, the quicker
they will no longer be stopping you from buying that car, getting
that new home, or that credit card, etc... and remember, if you want
to fix your credit on your own, we'll even GIVE you the
tools to do so.
We are dedicated to helping you find the BEST solution to your
issue, whether financial, legal, credit, real estate or otherwise...
Unlike companies that provide only one particular service and therefore have a
financial interest in convincing you that their service
is the answer to your problems... Our Network provides all relevant
services and options to
credit, debt, real estate and many other issues...
The point is, we have no
financial incentive to recommend one service over another.
do not have an "one solution fixes all of your
problems", bias.We have
only one bias-- only one goal... To provide you with the best
service, the most comprehensive information available on all viable options and then let you decide which solution is best for your circumstances.
Our goal is
simple... To help solve your Credit and Financial Issues.
Do you want...
Our professionals to do your Credit
Repair for you? Click
To purchase our Credit Repair Kit and
Manual that teaches you EXACTLY what our professionals would do?
Do you prefer to
GET YOUR CREDIT MANUALS FOR FREE?...
Did you know... you can exact
$1,000 in penalties PAID TO YOU BY THE CREDITOR...
For each and every violation of
your rights as a debtor?
Part of the many laws that the government has enacted for your
protection, the laws that we use and will teach you... actually allow
you to receive penalties of up $1,000 per each violation of your rights.
Rights that include the right to be free of harassment in your
workplace, phone calls after 8:00 pm and many more!
DO NOT USE CONSUMER CREDIT COUNSELING
(CCC), OR DEBT NEGOTIATION SERVICES-- 9 out of 10 times,
these "services" create many more problems than they solve.
Many of our customers came to us after already
having spent hundreds of dollars and a year or more with one of
What these companies never tell
you is that while "in counseling" (usually 3 years), you
CAN NOT buy a house, you CAN NOT buy a car, you CAN NOT get
additional credit of any kind!
We provide many services.
CCC or Debt Negotiation services are not among them.
This is because we only provide services that WE KNOW will actually
improve your situation. Consumer Credit Counseling and
Debt Negotiation rarely does.
NOTE: Our restoration
fees are generally about half what other companies charge-- and we guarantee dramatic
improvement. We can reduce fees to
the public because much of our compensation comes from the financial
institutions with which we
are associated. They compensate us when we've improved your credit so that you
can get that home or car loan.
reality is that in some situations
Bankruptcy is a better alternative than Credit Repair. For a no nonsense look at
Bankruptcy it's true effects, limitations, and benefits,
click here. and as always, if you have questions, call us.
604 6636 EXT 3
When calling please use
SHOULD KNOW ABOUT CREDIT REPAIR
Does Credit Repair work? Yes! Can you
remove bankruptcies and repossessions?
Yes! Even if they
really are yours? Yes!
Is it Legal?
Yes! Are reporting bureaus
legally obligated to remove even accurate
derogatory information? NO! If any person or company tells you otherwise--
They are lying.
Credit repair techniques can be incredibly effective and do wonders for your
ability to purchase real estate, get that car or get the lowest rates on any
loans-- But having said that, it does have it's limitations...
Any person or company that tells you otherwise is not being honest and is simply
after your money without regard to the accuracy or benefit of the information or
services they provide.
can do this on your own. Our kit gives you everything you need to
do it yourself.
But if you would rather have it handled by a professional so that you
simply reap the benefits of our efforts on your behalf, our experienced professionals will handle every aspect of the repair process
with credit issues, you can't even rent a home for your family let alone
NO ESCAPING IT... We pay for bad credit.
The only question is... we paying to keep it? or paying to fix
Whether you are renting or buying a home or car-- Bad Credit is
Costing you and your family.
Solution to any problem first requires an understanding of the
nature and extent of the situation. Whether you purchase the
comprehensive credit repair course or have our trained staff repair your
credit for you---You need a copy of your credit report-- click
here for a free report.--
THAT HOME FOR YOUR FAMILY SEEM OUT OF THE QUESTION?
It's absolutely true that if you do nothing in a few years the
credit dings will fall off your report and you'll probably be fine-- unless some
creditors refile the lien, (which they have a right to do). But how much
equity will you lose on that house if you wait 4 years? How much more will
that house cost 4 years from now? How much extra in taxes will you have
paid because you don't have the tax write offs of home ownership? see
If you do nothing, it's
possible that your credit will improve, in time-- But why not make
it happen FASTER?
If you have credit issues, you
probably feel that you need to do something-- but what?
There are generally 4 options. I'm going
to give a quick synopsis of the options and give a more thorough explanation
Creditors-- obviously, easier said than done.
CCC i.e. Consumer Counseling-- As we mentioned above, that
usually causes more harm than good. Which is why we do not
In many circumstances, this is the best option for turning your
credit around and protecting your family assets. Click Hereto see why or
call us at toll free at 877 604 6636. ext 3. When calling
please reference service code [PERSONALID]
Fix Your Credit
and Raise Your FICO Score-- This really can be done, we do it
all the time and have had some people have score increases of 150
points and more!
And we do it for about HALF or even A
THIRD of the
cost of other companies.
HOW CAN WE CHARGE SO LITTLE?
Because the many lenders that we work with, subsidize your credit repair
fees so that when your credit Improves, they can fund your loan!
You do have
options, but if you have credit issues, you really should Do
Something!The worst thing you can do is
to Do Nothing!
SO, WHAT ARE SOME OF THE
Let's review-- CONSUMER
CREDIT COUNSELING SERVICES, (CCCS) (funded by the united way and other organizations) is an organization that will
TRY to re-negotiate your debts. Your creditors are under no legal
obligation to deal with them although many do. When you are done with
their program your credit will certainly be better than if you had paid
nothing, but-- All of the creditors will continue to report the bad debt
for seven years after you finish paying it off. CCCS is basically a
collection agent that gets you to come to them. The services are not
FREE as advertised. They charge a monthly fee and if you don't
follow the program precisely the way they lay it out all bets are off.
even after a couple of years of paying on time, you can still find
yourself back to square
one with only slightly diminished credit issues. During the time
that you are in CCC, it is virtually impossible to obtain any new credit i.e. no
house and no car. I have seen many people who
struggled with the program for upwards of two years-- struggling to make the
payments, trying to do the right thing by paying their bills. They finally
realize that they couldn't make it. So they dropped out of the program and
then filed bankruptcy! If they had, instead, filed bankruptcy
instead of opting for CCC, they would now be considered a good credit risk and be able to buy a
home with a low interest FHA loan! CCC was once a viable option.
But in our opinion-- for many of the
above reasons and because of impending BK reform, CCC no longer has the sway and
bargaining power with your creditors that it once had. This is one service
that The Solutions Network does not provide because we feel that its
benefits are outweighed by its risks and drawbacks.
BANKRUPTCY, the financial equivalent of a nuclear warhead should
usually be the last choice. Once you push that button there's no turning
back. Even if you change your mind in the process and withdraw the case,
it will show that you filed a bankruptcy for 10 years which to any
potential lenders is the same as having gone through with it in the
first place. However, as bad as that is, there are many situations in
which it is truly the most prudent course of action. For
comprehensive details and discussion see bankruptcy
articles.For here suffice it to say, chapter 7 will discharge your
debts. Within two years of filing, if you pay all obligations on
time, you will be able to buy a home at the best rates and terms
available. On a chapter 13, even while STILL in the
repayment plan, if for 12 months you pay on time, you can buy a home with
an FHA loan. The bottom line-- BK is not to be a first choice, but it will
solve many immediate problems and the credit issues that it poses are relatively
short term, provided--- You keep your credit clean after filing!
CREDIT RESTORATION COMPANIES
or people who tell you they can fix
your credit for you, are often not credible and can not offer you
anything that you can not learn to do for
yourself. There is no degree
offered from any university for credit counseling or credit repair.
There is no such thing as a credit certification.The
thatanything they or we can
do-- you can do.
We offer our credit repair services not because you
are not capable of doing what we do, but because, even if you buy the credit
repair course, it is possible that you may find that you don't have time or
inclination to deal with the steps involved. Our service is just that.
A Service. We eliminate the learning curve and tedium that is often
involved in the first attempt at credit repair.
Much like reading, writing,
riding a bike or any of a host of other skills... once you are familiar with
that skill it becomes as simple as can be and be done almost in your sleep.
However, the first try is not necessarily so simple. Credit repair is much
the same. Our specialists do this all the time and it is now second nature
to them. If you have the time and inclination to learn and follow the
instructions the repair kit gives, then by all means, The Fico Improvement Kit
is for you. If on the other hand, your time is limited, consider our
NOTE: If, at any time within
of ordering the FICO Improvement Kit, you decide that you would prefer that
we do it for you... We will credit 100% of the cost of the kit towards
our FICO Improvement Services.
Our credit repair kit teaches everything that we would do.
The information contained in the
Solutions FICO Improvement Repair Course was initially developed in the
late 80's and has been upgraded every year since. In 1996, congress
after a long battle finally re-wrote the law and provided some powerful
new tools for consumers to use for removing negative information from
their credit reports on their own legally. The Credit
Solutions Repair Course
gives you step by step
instructions, copies of the relevant laws, sample letters, and detailed
information on dealing with collection issues and agents.
Repairing your credit is made easy with the "Credit
Solutions Repair Course". You will have every tool
you need to fix and raise your credit score on your own. Over 50,000 Americans
have used these principles to rebuild their financial lives during the
past 10 years.
Solutions FICO Improvement and Repair Course--Shows you
Remove ANY negative
information from your credit reports on your own legally!
Stop ANY collection
agent from calling and harassing you at home or at work.
Rebuild your credit to a positive
standing WITHOUT borrowing more or applying for any loans or
Use the law to force
the credit bureaus and creditors to comply.
rebuilding your financial life today.Order
your copy of the Credit Solutions Repair Course
Now! Repairing your credit is easy if you know
what your rights are and how to enforce them. Get started today! Once
your order is placed through our site, within 24hrs we then email
your course in PDF format.