Credit Associates, “Step in it” AGAIN! (Pt 1)

*As always, let me point out I write these blogs for informational purposes based on my own opinions, my 15+ years of experience in the industry helping people navigate the sometimes “complex” world of credit and finance and no two credit issues are the same so I always recommend calling me for more specific information and direction for the best course of action for you and your family, not some company.*

That being said, I do (if you have read previous posts) prefer to write these posts as if we are simply two friends enjoying a cup of coffee, and I keep the talk straight, there’s enough companies out there hoping to sell you all  the “secrets the credit companies don’t want you to know” (see previous post regarding this little gem of a lie) to “help” you with all your credit and debt problems… (insert eye roll) So let’s just avoid all that and keep it real & direct. And on that note, let me share something that recently happened and I have been just itching to get to!

Now, this post is actually a little different than previous Credit Associates posts, because this time I was dealing with someone (let’s call him ‘Mike’) that had not only spoken to a CA representative, but had a detailed lengthy conversation with them he even received a CONTRACT for me to review!!! Now, how did he go from receiving a contract from them to talking to me you ask… EASY! Just while simply READING the contract he spotted more than a few rather major lies that certainly did not add up to what the representative on the phone had told him- which after all was all in hopes of getting him to “sign up”.

-Now we all know ANY time you call a company looking for help in some capacity or to sign up for some service you are talking to a salesperson. It doesn’t matter what they call themselves (Associate, Rep, Agent etc) they are a *trained* Salesperson that has quotas and incentives to meet! This is simply the world we live in, and sales and clients make the world go around (as well as their profit margin).

As I said, “Mike” had a feeling things just weren’t quite right, did a little research and came across me and previous posts and knew giving me a quick call would likely confirm any suspicions he may have had. During our first quick convo I asked if he would send me the contract to look over, assuring him I would not post it or any personal details, and Wow! It was like a gold mine!

For this post (Part 1) I am going to simply give an overview of the Credit Associates ‘Agreement’, and point out the little “gotchas” that an average person who hasn’t been in the industry over 15 years would likely not understand (they do that for a reason) or would just skim over thinking it was “normal”. *Again, read my disclaimer at top of post that these are my opinions*  to avoid any legal hawks swooping down at me!

  Unfortunately, but fortunately for companies like this, consumers call them when they’re in distress, and when you are emotionally drained you are more susceptible & compromised to believe when anyone tells you they can help just sign up and let’s get started. After all, we just want to be DONE with it. And Salespeople absolutely know this!

>Now, agreement in hand, the first thing I see in their Client Enrollment kit states the following, “the key points discussed in our initial Consultation are summarized here as well as incorporated into the attached agreement.”

*The one thing that I’ve always said I personally hate about this company is the direct lies that they tell customers. The customers are told on the phone that “in order for us to get settlement offers for you when you’re”current” on your account is you have to stop making your payments. (We’ll go into this in more detail later but it’s super important) and in the contract itself it explicitly states that you the person signing the agreement has been told that they didn’t tell you to do that.  Now there’s really no other way to spin this one it’s  A DIRECT LIE.

Now don’t get me wrong, there’s many customers that contact Credit Associates, Freedom Debt Relief or National Debt Relief (probably the 3 biggest) and the customer is already behind on payments, and it’s because of this that it makes the whole settlement process easier to begin. 

>Now, a question I get a lot about this company and others like Credit Associates is: “ is this company a scam?” Well, I always ask them, to define for me what their definition of a scam is… because, at the end of the day,  Credit Associates, National Debt Relief, Freedom Debt Relief, to name a few, are legally registered companies, they have employees, they pay business taxes so they are legitimate operating companies. *People then see all the fine print in contracts and think, “that’s a scam” But I point out to them, “Well have you ever looked at a cell phone contract? Everyone knows fine print is necessary but never works to your benefit you just need to make sure that certain sections in the contracts don’t take away what the salesperson told you to get you to sign up.”

And that’s where I am always seeing problems with this company! I know that approximately a year or more ago in Credit Associates commercials (both TV and radio) used to say, “If you have more than $5,000 there’s a secret the credit card companies don’t want you to know” that was the initial line that started me down this rabbit hole in particular, since it’s a bold face LIE! (there is no actual “secret”, but more on that later)

Well, they have just within the last year or so changed that number to $10,000. Why do you ask?  Well if we crunch the numbers, I was initially under the impression they charge a 20% fee on top of whatever discount they get you. But this contract shows me they actually charge 25%. Example: if you owe $10,000 and if they got a 50% discount for you then you would pay $5,000 to the bank (that could be in one payment or a breakdown of payments) BUT….  you then have to add the 25% which was their “Success” fee to the numbers. So if we add 50%  Which is what you’re paying + 25% obviously that’s 75% which means you saved $2,500.

  Does that sound like a deal to you? Overall the number is decent but I don’t know anyone that thinks 25% is worth it! Call me crazy, but I’ve certainly never charged anyone that amount and I think that number is a little ridiculous, personally.

 But most likely the reason why they bumped it up to $10,000- I guess their Finance people realized there is either too much work and too little pay for people coming in at only $5,000 so they need to bump it up to $10k in order to profit the amount of money they want to profit off of customers. Profit Margin once again!

I find it interesting in their example of their “Success fee” in their contract  they still state $5k even though they post on commercials “if you have a minimum of $10,000” So I assume no one told their Legal Eagles to update contract,It’s minor yes, but to me still deceptive.

>In that same section I found their “guarantee”. It seems their “guarantee” is you will save at least 5% of your total debt balance.

 I’ll be honest with you, I was scratching my head on this one, because if you were delinquent you could literally call yourself and ask for a 10% discount and they would give you a 10% discount without even blinking, so I’m unsure why they would post such incredibly small guaranteed amounts but you’d have to ask those higher-ups on that one.

I would think if they’re so confident and if all those reviews that they post on their website are 100% legitimate then they’d have more confidence to post a higher number.

Heck i tell people i can help and get a 50% discount without even blinking but im greedy and always want even more of a discount.

(I noticed researching other big companies post something very similar which raises my eyebrow, maybe it should yours too?)

*Now, one thing I do like about this company, or should I say at least I can appreciate, is once you sign a contract there’s something called the “Right of Rescission” – where you have 3-5 business days (depending on the state you live in) to cancel the agreement and not be out any money. \

This company actually offers a 10-day timeline to cancel this agreement once they accept it in writing. Now reading into it a little bit more, once they accept your contract they state that they will mail you a confirmation letter (which we all know that the post office could take 5 + days) but should still give you more than enough time to rush and sign the cancellation page on the back and email it or fax it to them. *If you ever do decide to cancel if you mail it it’ll never get to them in time for the 10 days and then that might be a problem emailing it whether it’s your email or you send an email through a friend or family members computer something where you can document is always the smart thing to do.*

>Back to agreement!

Client & Company Obligations:

Now this section I think is pretty “standard” and pretty simple BUT there are a few things that make you scratch your head on some insight to how they plan on treating you

-For the client portion, you obviously have to maintain open and honest communications with them, return paperwork to them when you get it signed, return phone calls when they call you, all of that obviously makes total sense. 

But here’s another quick “gotcha” IF you write one of the creditors names on that list BUT you then decide, “Hey I’m just going to do this myself” you still have to pay the company their  25% “success fee”! Which is pretty shocking, but they do say “unless the company has no involvement in obtaining that settlement offer otherwise client understands that “companies guidance, experience, advice, support and service surrounding the receipt of the settlement offers is valuable and important.” (Pretty much all creditors you put on list are they helped if they mentioned it, so boom they helped! And you have no documented proof they didn’t so pay them)

Now for the company obligation: 

There are the basics that they’re going to hold and maintain confidential information on you, respond to you back within a reasonable time frame, doesn’t define what time frame “reasonable” in their opinion- but reasonable is relative. 

*A part that concerns me that says “client specific creditors may include amounts that require the client handle a negotiation directly with the creditors in which case the company will assist the client. -Now if the bank or creditor will only deal with the client I’m not really sure how the company is supposed to help if they’re not allowed to be on the phone call with them, which means your doing it yourself but it says “clients participation in this still means the company earned their fee”.  So I guess at that point they’re stating that if we gave you advice we’re still entitled to 25%. I could be reading that wrong but I don’t think so.

   Settlement

This is the section that basically says all offers will be presented to the client for review of acceptance. But again there’s also a section that says “if the company has not received a communication from you the customer within 48 hours that they provided the notice clients direction to accept the settlement will be acted upon by company.” 

Now I personally read that as, they send you out notification of a settlement offer, you get busy with life or God forbid something happen with a family member yourself and you cannot respond then *They’re accepting the offer on your behalf after 2 days (even though many companies allow you several weeks to consider the offer).

 I’m not saying this may not be standard protocol for the industry, but personally I don’t want some company saying “yes we can pay this account” with my money without me actually saying yes or no. Again, call me crazy right?!

>Now this was a very broad stroke of the “Agreement” and I plan on getting into more later but I just want to end with the Most Common Complaints I receive from clients of Credit Associates & companies like it..

“Client understands that their credit rating will be adversely affected should client default or be delinquent in their payments to their creditors.”  

 “Client understands that this program will not improve their credit score.”

*This is a common question that gets asked by people because they are under the impression that by paying this debt off, it’ll actually improve their credit BUT it’s a double-edged question. (More details later, suffice to say, yes obviously paying something you havent “can” improve but it doesn’t happen overnight and other factors are involved)

Client agrees that company has not provided them with any advice or recommendations either orally or in writing, regarding reduction or termination of payment to creditors and that company has been engaged for the sole purpose of debt settlements.”

Client hereby confirms that client has not been advised by company to stop making payments to clients creditors

This was the one that made our friend Mike in the story really, really mad because and I quote from his email to me “this is so COMPLETELY FALSE!”  the Rep told me that is exactly what we need to do in order for them to help. *I think you guys know the answer to that one- which unfortunately is just a part of the sales game. 

Now these companies may have at the corporate level have all the best intentions, but like any company, each department tells you what you can or cannot do with a wink of the eye, (which is not an acknowledgement that can be shown in court or proven).

So my standard disclaimer because I never want people to think I’m just picking on companies like this because don’t get me wrong they do help some people but I’m kind of a cheap individual and value my money so I want to keep as much of it as much as possible and I’m assuming if you’re researching & reading this you feel the same way.

 I always tell people feel free to call me or email me. My email address is:

Wayne @ Wayne the credit guy. Com 

and it’s spaced out to prevent spam, or click on the contact us portion of my website and give me a call, tell me your situation and I will tell you what’s in the best interest of you and your family not the best interest of some company. 

Wayne

The Microsoft Scam Phone call

This is a fairly popular scam call that has increased lately in my opinion. Now you may ask what does that have to do with credit repair or credit education and I will explain towards the end of this blog or you can skip to the end if you want. The below is a breakdown on the call and what I did when I had a little time to mess with them.

 

HOW IT WORKS:

The first thing they do is “Spoof” the phone number of Microsoft so if you google the phone number it shows its Microsoft’s corporate office, which of course it’s not.

What “Spoof” means:

Spoofing, in general, is a fraudulent or malicious practice in which communication is sent from an unknown source disguised as a source known to the receiver.

*** Which means they can electronically make the number that shows up on your phone/caller ID as a legitimate phone number.

 

How they get your name:

Most of us have our names attached to our phone numbers somewhere on the internet with phone directories to have some basic personal information about you to help try to convince you they are legitimate.

 

So the phone number looks like it is coming from a known or legitimate place when actually it’s coming from a call center of scam artists.

They tell you they are from Microsoft’s technical support department and YOUR COMPUTER had sent them a “critical alert” and it needs to get fixed before your computer has more problems.

SO, I told them when I recently got one of these calls:

“C’mon, this is a scam, people know about this”. Then the gentleman giving me an obviously fake name begins his B.S pitch and says not it’s not a scam, their support department says a critical error showed up and they can give me the license number of my system.

I told them to call me back at 2pm as I’m on the road now as I planned to have a little fun with them in order to write this blog.

 

They call back around that time and I start hitting them with questions to waste their time and get them to think he has got me on the hook.

 

Q- So when did you get a critical alert from “my system”?

Their answer- A few weeks ago and he apologized for not getting to me sooner.

Q- Why didn’t my computer tell me there was an error in the system?

Their answer- this critical error is in the core of their system and has to be addressed from their end first.

Now at this point, I make the “ok, yeah” statements making him think he has me on the hook.

Q- Ok, so what type of computer do I have?

Their answer- we do not have the Hardware information on your computer just the technical critical error from the core system.

 

Then I say, guys I know you’re full of crap and scam artists and do you know how I know that for a fact?

His answer of course was no sir I am not, I am calling you about the critical error alert we received from your computer ( blah, blah, blah stick to the script)

So then I dropped a lie on him that popped his top… (try it and have some FUN!)

“Buddy I know you’re a slime ball and crook because I have had a MAC computer for the last 10 years (I don’t).

So tell me how the hell you can get a critical alert from a system that I don’t own”???

 

His response: Well why did you tell me to call you back to address your problem?

 

I told him since he was a piece of crap trying to steal people’s information I wanted to waste his time to stop him from scamming other people.

At this time he launched into and I kid you not a 45 second cursing fest at me and I do not know how he was able to not take a breath during that time so I was actually impressed that he went on such a rant for so long without taking a breath.

So to annoy him I just kept laughing not stop in an annoying voice for as long as I could to drive him crazy. It worked but I still had to just hang up on him. Then of course thanks to phone technology I blocked the number and I aggravated him so bad that he attempted to call me back 3 times that day but the phone automatically blocked his call.

 

So, now how does this have anything to do with your credit?
What these companies try to do is get remote access to your computer and like most people you have passwords, banking information and personal information on your computer or saved in browser history that could cause all sorts of problems for you if they got their hands on it and cause all sorts of problems for you now and in the future.

That is it for this week, I hope you gleamed some information and knowledge on this and remember that our phones are now the new “junk mail”. Companies set up robo calls and constantly call you with offers.

They have the “throw it at the wall and see what sticks” attitude and other than clicking on the “BLOCK CALL” on your phone that’s all you can do.

Reporting these calls to the “Do Not Call List” is nothing but a waste of your time as they can’t track anything since with technology companies can buy spoofing software as mentioned above so the phone you see is most likely not the number they used.

 

REMEMBER—  KNOWLEDGE IS POWER!

 

 

Feel free to contact me at wayne@waynethecreditguy.com and ask about my book “The Real World of Credit” to learn A LOT more of how the system works if you are thinking of fixing your own credit.

Understanding how the system works is half the job!

 











Credit Associates Flat out lies in commercials a MUST READ

I had originally posted this in December 2017 and then my awesome computer skills somehow deleted it so i am re-posting it, read as see for yourself!

 

As we get older we seem to fall into certain patterns or habits, so for me every morning I wake up and as I get ready for work I have the morning news on. This somehow happened to me a few years ago, I think it’s automatic the moment you cross over the age of 40.

One of the consistent annoying commercials is one from the debt settlement company called “Credit Associates”. I always get amazed at how TV networks don’t get sued for airing what is flat out lie to the public.

They start almost from the beginning by saying “there is a secret the credit card companies don’t want you to know, if you have more than $5,000 worth of debt you have the right to settle that debt for a fraction of what you owe”.

NOTE/LIE # 1: there IS NO secret…..

NEWSFLASH for consumers reading this ANY book, commercial or Ad if you even see or hear the sales person saying they have a secret that banks don’t want you to know it is such a lie it’s crazy. Example, how can it be a secret if they are advertising to tell you?

It’s a gimmick trick to get you to call so they have a chance of selling you so don’t be a sucker.

Back to my point….

There is no law that says any debt over $5,000 gives you the right to settle on the debt based on what they say in their commercials.

$5,000.00 is probably their bottom line that they can charge before they can make any decent sort of profit that is worth their time and expense on the consumer while dragging out the process.

While I have no clue how they get away with lying like this what I can say is I actually got a solicitation call from them so I jumped up for joy and pressed “1” to talk to a representative.

My representative was named “John” he did not sound like anyone I know named John. I will point out and I said I was interested but I was super curious as is my nature and wanted to know what was “the secret” or law that allowed me to save thousands like their commercial said since I was never aware of or heard about.

Wouldn’t you know it but John didn’t seem to know what I was talking about and went into his script.

I kept interrupting him to say I want to know first what this law is first before seeing what his company can “do to help me”. He kept trying to read through the script and I said “ hey if this information is above your paygrade then that’s no big deal so put me on hold or transfer me to a supervisor so I can get the answer and then back to you to move forward”.

I was giving him EVERY option available to get me the answer (if there was one) and he would not or should I can could not answer the question. I then started saying “listen your company advertises this so why are you not prepared to answer this question which is in the first 10 seconds of your companies commercial or at least be able to transfer me to someone who can at least tell me the answer”?

As I had some time at the moment and justified however long I dragged this out for utilizing the time for this blog I must have been on the phone for at least 15-20 minutes.

Towards the end of him trying to push past my question and finishing his script and I said to “John” that if your incapable or unwilling to answer the simplest question on the 1st sentence of your companies commercial it’s obvious this company is a scam company so answer the question the next time you speak or I am hanging up the phone.

Shocking result of what happen next? I hung up the phone.

What most of these companies do is basically take advantage of your unwillingness to talk to your creditors. The collectors can be jerks and some are nice. Once a bill has gone past the 120 day mark creditors are open to ‘re-discuss” the original terms of the agreement. Now of course to get to that mark your credit score is destroyed and you may be a candidate for credit repair but maybe not as your credit report is file specific. Think of the term different strokes for different folks.

Without any knowledge whatsoever you should be able to get them to give you a minimum of 20-30% discount off of the current debt owed. An experienced person in this industry can go much lower, I have gotten an average when helping clients with this issue anywhere from a 70-90% savings.

Quick story to end this blog, had a client ask me to look at what their in-laws got themselves into and said sure will be happy to give my opinion. It was a debt settlement program, they had several credit cards and they were paying $375 a month into a “pot” so to speak and when the funds grew large enough they would go in , settle one account and so on.

The issue was in all of the fine print and there was a lot of it but on the page with the fees etc it was CLEARLY marked that this “company” was charging “$221.00 a month” to take their money as their fees that they have not performed and would not perform until these particular clients had at least $1,000 to settle debt # 1.

So they were only saving approx. $154 a month towards settling their bills. They were in shock but I said I didn’t understand why they were as this was clearly printed and they said the person didn’t tell them that and they didn’t look at the paperwork and only signed where he said they needed to sign.

I then said, you mean the “Sales person”??

They got silent really quick, and I gave them advice on what to do but said they have no recourse as they signed the papers and the fees were clearly marked.

You can do this yourself and save some money if you want to or if you choose to hire someone make sure you get some solid numbers and make sure you’re getting some good savings. I had a guy who owe $127,000 in unsecured debt and got everything settled for less than $40,000 which included my fees so he saved over $80,000.

That was one heck of a job and time consuming but normally do not deal with something that large typically.

Moral of this story, READ what you sign and NEVER make an impulse buy/decision. If your being constantly called about your decision then it seems they NEED your money, go with the person who makes you feel comfortable, has a background that can be validated by outside parties and follows up with you when YOU ASK THEM TOO.

 

 

 

* Want to learn more about how the credit system works?

Or

Have questions about your credit where you may need my help?

Or

Buy my book for easy to understand concepts of how the credit system works and how lenders look at you.

 

email me today at: wayne@waynethecreditguy.com

If you email me, to make it easier as i am getting a lot of emails and i respond to all of them please provide me a summary of your situation. Include are you paying the bills on-time, have you not paid them in 3 months, how much you owe and what are the total monthly credit card bills you are paying.

MOSt of the people contacting me i am directing to places i have already vetted that i have identified as places that will do what is best for you and your family and not some company.

 

 

 











Cell Phone Contracts vs. You = You Lose

Cell Phone Contracts vs. You = You Lose

This week’s blog we are going to talk about what you really sign when you sign a cell phone “agreement”.

I say that as if you have noticed most if not all TV ads say they no longer have “contracts”.

So, first thing is first….

All TV ads are basically lies, or you could say, they omit many important things that would give you the full story and if you knew everything you probably would not go to that company at all. When I do a seminar and it consists of mostly college kids who have come of age (18 yrs old) I tell them you are now legally allowed to get screwed by companies whose name you put on any “agreement”.

Let’s first discuss the B.S statement of “we no longer have contracts”. Obviously a lie, as they say you will take the full price of a phone and divide it into 24 months’ worth of payments where you do not have the option to make the “monthly phone payments longer for you”.

AND, if you do not complete this and leave to go to another company you are charged a “cancellation fee”.

That sound like a “contract” to you? It should because that what a cancellation fee is used for, screwing you over to make extra money (in my opinion).

Don’t pay the fee? It then goes to a collection company who reports it on your credit file and can damage you credit report anywhere from 60-90 points.

Now that we have made that “GOTCHA” to open your eyes to this sneaky tactic clear let’s go into the next one.

“ADD Additional Lines/Family Plan”:

Have more than one person in your family? Add several family members and save money!

UNLESS you have to cancel the service then EVERY added line counts as one service so you are penalized for the following:

  • The rest of your monthly fee owed on your phone (average cost $700).
  • The cancellation fee of an average cost $275-350.00 (PER LINE).
  • Your typical final bill (most people do not pay at average $100.00)

OVERALL money owed per line $ $700-1,000.00  PER LINE!!!!

See how quickly that can add up if you have a few lines as the original plan  you had for saving money by switching?

Now imagine how angry and frustrating it would be to be told by some lender that the cell phone bill collection(which could be from $1,000-$4,000) is hurting your credit score enough for you to possibly not getting the home you want for your family or just yourself and a future family.

MORAL of the story: DON’T CANCEL the “NOT A CONTRACT” until the new cell phones you purchased are paid off!

YOU WILL ONLY LOSE this battle….

TIP:  GET THE INSURANCE on the new phone, at an average of $10 per phone it’s a better deal and protects you for when you do break the phone.

The GOTCHA you don’t think about:

You “Help” your friend or family member get a phone or you add them to your cell phone plan.

When you sign your name to “help someone get a phone” you are signing a contract that obligates you to everything we have spoken about so far.

It does not matter if you never had any of the service you signed your name to. It in fact is absolutely meaningless if you had no relationship with that cell phone company other than helping that family member (for example).

What does matter is by signing that agreement and piece of paper you said to that lender/cell phone company, if this person does not pay the bill I WILL!

The same thing for adding your friend or family member to your cell phone plan. Remember it is YOUR CELL PHONE ACCOUNT. Which means the responsibility is yours and yours alone.

This is the same way you have a credit card that is yours and you add someone as an “authorized user”, this allows that person to use your credit card as if it was theirs but have no responsibility to the credit card company. That credit card company gave the card to you and for you to use as you see fit, any mistakes in judgement or use of it is your responsibility. If that party over uses it, while you have the right to sue the party who used it to pay you back for what they spent if that was your agreement. The credit card company has to claim against that person as you gave permission for them to use is and thus it is your financial responsibility.

The final gotcha:

“Switch now and don’t worry about cancellation fees. We will pay them for you”!!

Sound familiar? You should it’s on a ton of commercials, I have heard this story so many times it crazy and its mostly from consumers who have in their eyes already been screwed over since it’s on their credit report.

This is how it works, YOU cancel the old contract, and YOU get the final bill including phone charge fees, cancellation fees and the last month’s bill. THEN you send a copy of that to the new company who said they would pay for it and they will send you a pre-paid debit card in a month or so.

Can’t pay all of that in one shot or at all? Not the new carriers issue….

Is that someone you want to be a customer of? I wouldn’t. Did the sales person not tell you that? Did you ever hear the phase it’s not what is said but it is what you sign.

The sales person there makes commission, would you have signed up if they said this is how it really works so let’s get you signed up. I would not sign up after hearing the truth.

Just like my book The Real World of credit, this is how the Real World works.

So I hope this gave you some insight as to how something as simple as “changing cell phone companies” without paying attention can cause more problems than you realize.

Want to learn more about how the credit system works? Go buy my book online at here at : Barnes and Noble The Real World of Credit

 

Or contact me directly for a full blown color copy to truly grasp the real world of credit.

And of course have a question on credit for yourself? Contact me directly at: wayne@waynethecreditguy.com

 

 

 











Texas statute of limitation for being sued on debt

The YouTube ID of R9wplgokqg is invalid.

This is a brief overview of what cannot be done by a debt collector or creditor.

Knowledge is power! While all states are different and have different time frames understand there is no debtors prison ( IRS not included ), NO ONE is going to send you to jail for not paying your credit card bill or car payment. They can’t report your car stolen.

Credit controls our lives, But people do not know how important credit really is until you need it TODAY and then it’s too late. Majority of Credit Repair companies out there you speak to are sales commission only sales people. So they typically tell you what you want to hear to get your money.

While there is nothing you cannot do that a credit repair company can do REMEMBER… there is a difference between disputing and getting results.

Having a credit company who understands the underwriting criteria of future lenders and how they look at you is more important than you can possibly realize.

Bad credit, credit repair, repair credit, How to repair credit, fix credit, credit fix, how to fix credit…. No matter how you say it you don’t realize how important credit is until you need something today and then it’s too late.