DOES GETTING 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 taxes.

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 later.

• Pay Your Creditors-- obviously, easier said than done.
• Go to CCC i.e. Consumer Counseling-- As we mentioned above, that usually causes more harm than good.  Which is why we do not offer it.
• File Bankruptcy-- In many circumstances, this is the best option for turning your credit around and protecting your family assets.  Click Here to see why or call us at toll free at 877 604 6636. ext 3.  When calling please reference service code JV37444
• 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 OPTIONS?  

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.  And 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 Truth is that anything 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 services.

For important links on how and why Credit repair works see below.

Credit Repair Questions	Order Repair Course	Order Repair Service
Credit Facts	Facts you should know about Credit Bureaus	Why Credit Repair Works

NOTE: If, at any time within 60 days 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 Credit 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.   

The Credit Solutions FICO Improvement and Repair Course--Shows you how to:

• 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 credit cards. 
• Use the law to force the credit bureaus and creditors to comply. 

Start 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. 

Or if you would prefer to let one of our experienced Professionals do it for you, Click Here.