I want to talk about credit repair. The industry has a bad rep. Just as with any industry, there are some no-good companies out there. On the other hand, there are a lot of good, reputable companies as well. The biggest misconception is that credit repair is illegal or not possible. Credit repair is 100% legal and I have seen it work. I have seen judgments, collections, bankruptcies etc. all removed from a credit report. Some less than a year old. There are people out there that will tell you that credit repair is a scam and can't be done. That is not true; while some credit repair companies may be fraudulent, credit repair is possible. Under the Fair Credit Reporting Act, a consumer has the right to dispute items in their credit file. Inaccurate, outdated and unverifiable information must be removed. It is true that accurate, negative information can stay on your credit report for 7 years and bankruptcies 10 years. It can, but just because it can doesn't mean it does. Some people choose to try and repair their credit themselves, others choose to hire a reputable company that are experts in the field. If you choose to try to repair your credit yourself, check out Myfico.com. Click on the community link. There you will find numerous different boards and topics. You can even type in what you are looking for, or submit your question. Members will give you advice and/or share their experiences. Another good source is http://www.slebcreditsolutions.com/ click on the Credit Info page for information on debt collectors, SOL, FDCPA, FCRA and more. We also have a great blog on Merchant Circle.
Sleb Credit Solutions is a reputable company that specializes in credit repair. I started Sleb because I believed I could do a better job for my clients and I wanted to give the industry a good name! Sleb is your trusted choice for credit repair! We also offer credit coaching and consulting; as well as creditor mediation. We will work to repair your credit as well as guide you on how to establish or re-establish your credit. We get our clients on the right credit path and coach them on how to stay on a positive credit track. We want you to know that you have options, and we have solutions. If you choose to hire a credit repair company, do your homework. See if they offer a money back guarantee, make sure there are NO hidden fees and never choose a company that wants to be paid the total fee up front! They may charge an initial set-up fee to get started, and then you will be charged monthly payments for work done the previous month. If a company tells you it will be $350 (for example) to repair your credit & the fee is due in total up front, keep looking! Make sure they include a copy of the Consumer Credit File Rights Under State And Federal Law with your contract. The FTC (Federal Trade Commision) requires us to give our clients a copy of this, and that we have a signed copy on file. Also check the Better Business Bureau's website to see if the company has any complaints. Even if a company isn't a member, if there are any complaints against them, it will be listed on the site. The most important thing is to make sure that you are comfortable with the company you choose. I am proud of Sleb and the work that we do. We are local to the Southern Indiana & Kentucky (Louisville) area, but we serve clients nationwide. We meet with our local clients in person to discuss their needs and options. We want our customers to feel confident choosing Sleb. For our clients that are not local, we have a phone consult to discuss their situatuion. We supply you with updates, and we are always available to address any questions you may have. Sleb has proven results and we offer a money back guarantee. If we are unable to improve your credit, we will refund your money!
Whether you choose to repair your credit yourself, or you hire a credit repair company...Remember that credit repair is legal and works for a lot of people. The benefit of hiring a credit repair company is that we are experts in the field of credit restoration. We are familiar with all the laws and guidelines that govern the credit reporting agencies and debt collectors.
Until next time, be good to others and believe in yourself! If you don't believe in you, how can anyone else?
