Do I Need Credit Repair?

If you are in need of financial help and have debt that you can't pay off, collections or charge-offs, need to qualify for loans and credit, need to increase your credit score,
we have a  debt elimination program for you. 

 Is Credit Repair Legal?

Absolutely.  There are state and federal laws governing credit repair.  When creditors report anything on anyone's credit report, they must follow 246 laws and statutes of reporting perfectly!  If just one law is not followed in their reporting (we have a challenge and dispute team that almost always finds several laws that have not been followed), then that account is being reported inaccurately.

If an account is being reported imperfectly, then that information is, in fact, inaccurate. 

The Federal Fair Credit Reporting Act states that any information that is inaccurate, erroneous, or obsolete must be deleted permanently! 

We try to give you honest
expectations, but you need to know this is not a perfect science.   There are lots of attorneys who do credit repair using a one-sided approach. Basically they write letters saying "I'm an attorney--you'd better do what I say".  We take a multi-purpose attack. We, at Credit Care Counselors, can remove anything they can, and usually more, as well as provide all the extra assistance one would need, and for a much lower price.
  
We can give you more personalized care, as attorney-based credit repair services are usually overcrowded, and they don't have the time to individualize the correspondence and dispute letters they send to the three major credit bureaus.  

At Credit Care Counselors, we pride ourselves on personalized service.  We individualize every letter that we send, and we treat every customer's credit report as if it were our own!
We care about you!

Our success rate is around 75-80%, no matter what type of item it is.  We have numerous mortgage companies, car dealerships, builders, etc. who work with us because of our integrity.  

We do believe that our system is as good as it gets.  It's very effective, honest and legal.  We are not trying to beat the system, only to make the system fairer for us all.

What is Included in Our Service?

* Credit Consultation

* Credit Education

* Credit Repair

* Credit Restoration

* Debt & Interest   

   Negotiation

* Stop Creditor Harassment

* Lobbying for Credit Law

   Reform  

* Mortgage Services

At Credit Care Counselors, we will help you get those lower interest rates and down payments, which will keep money in your pockets. 

Did You Know?

Your credit score affects nearly every aspect of your life, including opportunities for employment, insurance & interest rates, and purchases.

Control of your money gives you POWER--Control of your money puts you in Control of your life!

Are you going to control your life, or is life going to control you? The decision is yours.
 
At Credit Care Counselors, your good credit is our business!

ARE YOU SWIMMING IN DEBT?

Can't keep up with the monthly payments?

Low FICA Scores?

Creditors calling and harassing you? 

Paying high interest rates? 

Can't receive a loan or credit card?

Thinking about filing for bankruptcy? 

Can't qualify for major purchases

such as a home or car? 

You are not alone. 80% of everyone you know has credit issues. 

We provide a  100% written, money- back guarantee!

We have the ability to remove any inaccurate negative account. This includes, but is not limited to :

Charge-offs                  Evictions

Tax liens                       Student loans

Foreclosures               Late payment      

Judgments                   Collections

Medical                         Repossessions   

Bankruptcies

Our program is superior to bankruptcy, consolidation or settlement.

Bankruptcy will stay with you for a long time and is truly not the way to go for most people.  Don't throw your hard-earned money away, paying on debts that have hurt you all that they can.  Paying on collections or charge offs will hurt your credit score in several ways.  They are usually shown over and over on your credit reports.  You have to know that these accounts have been sold, and you are not dealing with the original creditor.  Paying on these accounts will actually renew the debt on your credit report for another 7 years from the date of last activity. 

We can:

* delete your negative accounts,

* increase your credit scores,

* stop creditor harassment,

* reestablish your credit,

* put you in the position where 
   you qualify for loans/credit cards
   again, at lower interest rates, and
   save hundreds of dollars per
   month.

You can qualify to have your dream home and/or a new car, at a decent rate.

There is a price to pay for having less than perfect credit and that price is reflected in down payments and interest rates.

COST OF BAD CREDIT

Example:  Car $20,000/5-Year Term

Example:  House $125,000/30-Year Term

As you can see, the savings are substantial.  The money you save by having good credit and lower interest rates is more than the original price of the loan!  Bad credit will generally require an average of 20% down versus 5% or even zero down.

Credit Care Counselors©

Turning Dreams Into Reality

 












 

The bottom line is:

We can liberate you

from bad credit --

Guaranteed!