The question is not “WHY”, the question is “WHY NOT”?
Too many times we get hit and knocked down in our financial life. It happens to almost everyone at some point and time. The way we are measured is how we recover from that downfall and what we do moving forward. When a fighter gets knocked down or knocked out they train harder and develop their skills to insure they don’t get knocked out again. They correct the mistakes and move forward.
Remember that sometimes bad things happen to good people!
Your credit life can be somewhat different. You are measured by your past downfalls and declined for a home, car, loan, or even a job because you had a hard time in your life. In most cases these downfalls can be corrected. That is where we come in!
Up until now the collection companies, creditors, courthouses, and bureaus have had total control. What they say goes and you are left with bad credit. I say “NO MORE”!The U.S. Congress recognized that everyone needed to be on an even playing field so they came up with some laws.
The Fair Credit Billing Act
The Fair Credit Reporting Act
The Fair Debt Collection Practices Act
The Fair and Accurate Credit Transactions Act
HIPAA
These laws help us put the burden of proof back on the collection companies and creditors. We can legally challenge companies and make sure they are playing by the rules. In most cases they are not and if we find they are not we can make them delete the information from your credit report. Remember that credit is 100% right or 100% wrong. There is no gray area and that is great for you.
Expert Credit Consultants gives you a “FREE” credit consultation to determine if you have a good chance of getting negative items deleted from your credit report. We use non-threatening letters to make the collection companies and creditors validate each debt 100% with detailed billing statements, original signed contracts, and show that they have legally maintained the account. Give us a chance to explain to you how we can improve your credit situation. Remember you don’t have to live with bad credit!