Credit Scores USA

Questions You Might Have Before Hiring A Credit Repair Specialist.

With the economy as bad as it is today, you are not alone if you have bad credit. Credit repair is on the top of many people's lists and figuring out how to do so is not always easy. Hiring a professional is the best option, but you may have questions prior to doing so.

The first question that comes up amongst many people is whether or not they can settle their credit problem on their own. Of course you can attempt to do so on your own, but do you really want to take the risk of messing it up worse? By going after the problem on your own, the discounts you achieve will not be nearly as large compared to what a professional can get you.

In addition, it can be a long and time consuming process. Do you really want to spend weeks upon months dealing with repairing your credit? Probably not, which is precisely why you should consider leaving it up to the experts.

The next question you may have is how you can get those annoying debt collectors to stop hassling you. Repairing your credit on your own can be difficult and you may not completely understand your rights. However, you do have the right to prohibit abusive practices by debt collectors. By hiring a professional you will have the ability to use programs that will help you minimize or eliminate these phone calls altogether.

The major issue with repairing your credit is determining what can be removed. By hiring a credit professional, you will be able to identify exactly what can be removed and how soon you can potentially take care of it. Just know that anything inaccurate can be removed including bankruptcy, judgments, liens, foreclosures and late payments.

Lastly, it is important you understand how to remove items from your credit report. Only the credit report agencies have the power to remove items from your credit report, but they must delete inaccurate, erroneous and obsolete information. A professional will help ensure you that all of the proper steps are taken to remove these inaccurate and negative entries.

There may be a plethora of other questions you have about repairing your credit and whether or not you should hire a specialist. Just know that there is a reason professionals do this for a living. Your credit is something you do not want to mess around with. Be smart and hire a professional to get all of your questions answered and all of your problems handled correctly.

Alan Zolis is a credit repair expert and owner of CreditScoresUSA.com, a professional credit repair company.  Let his unique affiliation with collection agencies fix your credit while saving you time and money!

How a Credit Counseling Service Can Quickly Fix Your Problems

Tired of constantly receiving phone calls from debt collectors looking to get the money you owe them? Are you sick of waking up every morning knowing you have loads of bills and debt to pay off? If this is what you battle on a daily basis, it is time for you to hire a credit counseling service to fix your problems.

Hiring a professional agency or company can help you lower your debt thus reducing the monthly payments you are making. There are a number of professionals and agencies just waiting to take you under their wing. No matter how large your debt is, there is help that you can find online.

Before going with any agency, make sure you take the time to look into who you are hiring. Although it is sad to say, there are a number of crooked and unscrupulous agencies just waiting to take your money. By conducting the proper amount of research, you will have no problem finding a legitimate credit counseling service.

One thing you can do is go to the National Foundation For Credit. On this web site you will find a plethora of different agencies that you can choose from. These are all certified agencies that are experienced and knowledgeable at what they do. As soon as you contact an agency, you will then make an appointment to bring in all of the information they need to evaluate your situation. This will include your income, assets, and all expenses you have.

The underlying goal of hiring an agency to is negotiate a lower interest rate to decrease your monthly payments. If you are lucky, the agency may even be able to negotiate lump sum payoffs that can reduce the amount you owe.

If you do opt to hire an agency, it will show up on your credit report. However, your score is already at a point that you do not want it to be. Therefore, you really have nothing to lose. Things can only get better from the time you hire a credit counseling service. Instead of hoping it will get better on its own, it is time for you to take action.

Stop wasting valuable time hoping something will turn around for you. Spend a little money and take a little dip in your credit score in order to turn things around for the better. At the end of the day, you will be happy you did so.

Alan Zolis is a Tampa credit repair expert and owner of CreditScoresUSA.com, a professional credit repair company.  Let his experience and knowledge fix your credit while saving you time, money and hassles!

Why should you hire a credit professional today?

There is no question the economy has had an impact on many people's credit score. Despite the difficult times, it is just as important as ever before that you maintain a solid credit score for countless reasons. If you have let your score get away from you, there are two options. You can either attempt to fix it yourself or hand over the responsibilities to a credit repair professional.

If your credit is not that out of reach and you have some experience within this area, you may want to give it a go on your own. However, you are far better off hiring a professional as you know they will correctly handle your situation. After all, this is what they do for a living.

The fact that professionals handle cases similar to or even worse than yours every day is assuring. It shows you that no matter how bad your case is, there is hope to repair your score. The professionals have the experience, resources, and plenty of knowledge to get you taken care of.

Another benefit to hiring a credit repair professional is that you will be working directly with the creditors. Instead of going through several loopholes and talking to a number of different people, you can interact directly with the people that will be repairing your problem. This can cut back on the time it takes for them to determine what got you in this mess and what the best solution is to get you out.

The last benefit of hiring a professional is that you will be given tips and information on how to set a budget and maintain that budget. Instead of backtracking and getting yourself back into this problem, you will have a guideline of how to manage your money more effectively. As soon as you finally do get back on the right track, you will be on your way to living a healthy and fulfilling lifestyle again.

If you have gotten yourself into some credit problems, you are not alone. With the current recession, there are people all over just like you that are in the same mess. Instead of dwelling on your problems and allowing them to get worse, start taking action on your situation to make the best of it. Hiring a credit repair professional is the best way for you to get back on the right track and dig yourself out of financial struggles. There are people willing to help you that are more than qualified to do so.

Alan Zolis is a Tampa credit repair expert and owner of CreditScoresUSA.com, a professional credit repair company.  Let his experience and knowledge fix your credit while saving you time, money and hassles!

Credit Repair

It is a reality that many people are faced with the difficult task of credit repair.  They may have found themselves overextended on their credit cards and have to repair some late payments and some bad decisions when it comes to credit history.  Credit repair isn’t as difficult as many people might think.  It takes time, but it can be done.

First, you need to obtain a copy of your credit report from either one or all three of the major credit reporting agencies.  The “big three” are Experian, Equifax, and TransUnion.  They can be found quite easily on the Internet and will provide you with a copy of your credit report.  Professional Credit Repair is available at Credit Scores USA.

The FACT Act that was passed by Congress back in 2001 allows all consumers one free copy of their credit report per year.  For this, you will need to go to either www.annualcreditreport.com or www.freecreditreport.com.  Sometimes one of the agencies will provide you with the one report for free, but you are best off to go to one of these websites.

However, if you are serious about credit repair, you will really need to obtain copies of all three credit reports.  Creditors are not required to report to any of the agencies, and often they will just report to one.  Having all three credit reports on hand will help you make repair to your credit more effectively and more thoroughly.

Once you have these reports in hand, go over them “with a fine tooth comb”.  Check for any errors such as accounts that have been paid off but are still appearing as delinquent or accounts that you never opened or used in the first place.  If you do find errors on your report, it is essential that you contact the credit bureau to make the correction if you want your credit repair efforts to be thorough.

After checking your credit report, the essential part of making repairs to your credit is to change the way you are using credit.  That includes making all payments on time and not using credit the way you used to.  While it’s true that it’s virtually impossible to go through life today without using credit, you can use it wisely and not end up in trouble down the line.

Making repair to your credit is not a difficult task, but it does take time and patience.  Truly what you need to do is simply take steps to evaluate your use of credit and then see where changes can be made.  Then not only will your credit be repaired, your credit score will raise as well.

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