While visiting our site you will a wide variety of resources that will help you manage your overall credit and debt portfolio.

Before you cut loose to find all the information we have to offer, we first need to help you understand the difference between “Credit Repair”  and “Credit Management” . There is a significant difference.  

“Credit Repair” companies are common in today’s marketplace. Most claim to be “Attorney Based Credit Repair” or “Legal Credit Repair” and the one we like the most, “FREE Credit Repair, Guaranteed Results!” This is one of the biggest scams in the market and it’s ILLEGAL! The goals for these companies are simple: Promise or imply services that can not legally be rendered or delivered.

We hear stories from people all the time. For example: How about the credit repair company in Richardson, Texas that tells potential customers that it has a $70k computer system that is linked up to the credit bureaus and he can achieve results in as little as 10-12 days! That is a bold face LIE and that type of system would be illegal to have. 

How about the credit repair companies out there that say they can deliver, but you can’t get a hold of them after you paid them money? Or for the loan officers and real estate professionals that have placed their trust into one of these organizations only to find out they can’t deliver what they promised and now have managed to tarnish their reputation in the eyes of their clients?

There is a very significant difference in company types. Credit repair companies are “Paper Mills.” They usually send dispute letters to the credit bureaus disputing the items on the report with statements like “Not Mine” or “Never Late.” The problem is that by doing this type of dispute, the credit repair company can actually lock your credit profile due to frivolous tactics and prevent you from ever disputing that item again. Most credit repair companies have learned their “so called skills” from credit repair forums, credit repair books, or “water cooler” knowledge from other “so-called” experts. They have no formal skills that can assist them in being a QUALIFIED Credit Consultant.

Any “Credit Repair” organization in the United States has to be licensed and bonded by the state in which they hold their corporate offices. It is very important to verify that any company that you use has the Proper Credentials, or you could lose money real fast.

A Credit Management Company should be a Full Service “Credit and Debt Management Consulting firm. The restoration of your credit profile should be a byproduct of their services. Do not just focus on the increase of your credit score, but rather focus on the bigger picture and create for yourself a financially savvy future.  A Credit Management Company should start every client off with a Full Service Consultation; including pulling all 3 major Credit Bureau Reports, a Credit Consultation, Debt Management Consultation, and a Goal Management Plan.  If they do not do these things who can they understand where you are today, and where you want to be tomorrow. The only way they can accomplish this is thoroughly evaluating your overall financial and static goals.

Your Credit Score is one of the most important tools in your financial arsenal. That 3 digit number can control your financial stability and having a qualified team to represent you in managing your credit risk is just as important as the attorney you hire to manage your legal expectations. After all, your Credit Score IS your FINANCIAL LIFE. 

Look, learn and ask questions