Credit Repair Counselor

Credit Repair Counselor

If you have less than perfect credit and want to repair it back to a positive state, you may want to enlist the help of a credit repair counselor. What is a credit repair counselor? I call it my mother since she’s a whiz with budgets and money. But a professional credit repair counselor is someone who will take a look at where you stand financially, help you go through your credit reports and identify areas where you can make changes to restore your credit rating and your credit score.

Credit repair counselors are everywhere these days. It’s big business since many Americans are finding themselves deeper and deeper in debt. In fact, over 9- million citizens carry an average debt of about $20,000 not including mortgages. That’s a lot! Most of it is credit card debt and it can balloon out of control before most people even realize they’re in trouble.

A credit repair counselor will help you work with your creditors to make payment arrangements or even obtain a debt consolidation loan to help pay them off. The counselor can help obtain better rates for you and even lower the interest rate you are paying on your outstanding balance. They’ll work with your creditors and help you with establishing a better relationship with them in the long run.

Once you have developed a plan with your credit repair counselor, they will help you develop a long-term plan that will help keep you from getting into the same situation you were in when you first contacted them. That means setting up a budget meetings with the credit repair counselor initially to address any issues that might arise in your financial dealings. They will give you tools to help you stick to your budget and stay out of trouble.

When looking for a credit repair counselor, do your homework before you sign on the dotted line. Check out their reputation with the Better Business Bureau and even your local Chamber of Commerce if they are local. Ask questions and pay close attention to the paperwork they are supposed to present you with.

A reputable credit repair counselor will advise you of your rights as a consumer, disclose the fees for their services in writing, and outline what will be happening during the time they will be working for you. If they seem to be making outlandish promises that seem too good to be true, don’t hire them and keep looking. A good credit repair counselor can be a great help toward making you more financially solvent and less stressed about your debts.

Contact us today!

800-427-8080 ext. 1001

Professional Credit Repair Organizations

Professional Credit Repair Organizations

When it comes to credit repair, there are many professional organizations out there that are willing to help you with this monumental endeavor. It takes a lot to make repair to bad credit and it can be overwhelming when you try to do it on your own. That’s why these professional organizations were formed and they can invaluable for you.

Many of these professional organizations that work to repair credit are known as credit counselors or debt consolidators. And they are everywhere. Anymore, you can’t turn on a television or radio without hearing an ad for a company who will help you raise your credit score and repair your credit no matter what financial shape you are in.

The truth is that many of these organizations really can help a person repair their credit and do so in a very professional way. They will work with you to assess exactly where your credit is and where you want it to be. They will help you set goals and then do what they can to help motivated you to achieve those goals.

Of course, there are some professional credit repair organizations who aren’t exactly on the “up and up”. They will make outrageous claims in their advertisements such as they have the ability to completely erase bad financial records, create a new credit identity for you, and even erase bankruptcies that are on your record. Stay away from companies who make any claims that are even a little similar to these.

You should also avoid credit repair companies who ask for a fee up front before any work is done to repair your credit. Some of these so-called professional credit repair organizations also will not disclose your legal rights to you in the even that you may decide to not secure their services thus causing them to lose money.

There is a school of thought that says you don’t not even need the services of a professional credit repair organizations since you yourself can do credit repair. But as I said before, it’s often a difficult process. If you want to secure the services of a professional credit repair organization, do your research into the company and check out their reputation and track record. If they seem like they are legitimate, be sure to read though any and all paperwork they provide you with and monitor their progress yourself. If anything makes you uncomfortable, fire them immediately and go to work repairing your credit yourself.

Call Fix My Score 888-977-1222

Debt Consolidation Debt management Credit Repair

When you find yourself in a situation where you need to make serious repair to your credit, a debt consolidation loan or a debt management program may be the way to go. Credit repair isn’t easy and going it on your own can be difficult, although not impossible. That’s where debt consolidation companies and debt management companies can be invaluable when it comes to credit repair.

A debt consolidation company can help you repair your credit by obtaining a lower-interest loan that will pay off your creditors and allow you to make just one payment to one company instead of several payments to several companies. They can also contact your creditors to get a lower payoff amount so that the final amount of the debt consolidation loan you’ll need to repair your credit could be lower.

A debt management company does much the same as a debt consolidation company when it comes to credit repair. They also obtain a loan to help consolidate your debts, but they also provide counseling services that will help you manage your debt and get you well on your way towards repairing your credit.

When you are looking for a debt consolidation or debt management company to help you repair your credit, there are a lot of things you need to look for. First, check out their references and make sure they are on the “up and up”. Their reputation can say volumes about their true abilities to help you repair your credit.  Check with the Better Business Bureau and see if they are registered with them and if any complaints have been filed against them.

Do extensive research when it comes to finding a debt consolidation or debt management company. Credit repair is very important to you and your life. Your credit score can mean the difference between getting a reliable vehicle or even owing your own home. That’s where these companies can help as making repair to your credit can be an overwhelming procedure.

What a debt consolidation and debt management company will do is walk you through the credit repair process step by step and take some of the pressure off of you when it gets to be too much for you to handle. They will charge a fee for their services, but it is usually quite reasonable, and they will often work with you to make that payment over a period of time if you are in severe financial trouble.

Credit Repair


It is a reality that many people are faced with the difficult task of credit repair. They may have found themselves overextended on their credit cards and have to repair some late payments and some bad decisions when it comes to credit history. Credit repair isn’t as difficult as many might think. It takes time, but it can be done. 


First, you need to obtain a copy of your credit report form either one or all three of the major credit reporting agencies. The “big three” are Experian, Equifax, and TransUnion. They can be found quite easily on the Internet and will provide you with a copy of you credit report. 


The FACT Act that was passed by Congress back in 2001 allows all consumers one free copy of their credit report per year. For this, you will need to go to either or Sometimes one of the agencies will provide you with the one report for free, but you are best off to go to one of these websites.  


However, if you are serious about credit repair, you will really need to obtain copies of all three reports. Creditors are not required to report to any of the agencies, and often they will just report to one. Having all three credit reports on hand will help you make repair to your credit more effectively and more thoroughly. 


Once you have these reports in hand, go over them “with a fine tooth comb”. Check for any errors such as accounts that have been paid off but are still appearing as delinquent or accounts that you never opened or used in the first place. If you do find errors on your report, it is essential that you contact the credit bureau to make the correction if you want your credit repair efforts to be thorough.


After checking your credit report, the essential part of making repairs to your credit is to change the way you are using credit. That includes making all payments on time and not using credit the way you used to. While it’s true that it’s virtually impossible to go through life today without using credit, you can use it wisely and not end up in trouble down the line. 

Making repair to your credit is not a difficult task, but it does take time and patience. Truly what you need to do is simply take steps to evaluate your use of credit and then see where changes can be made. Then not only will your credit be repaired, your credit score will raise as well. 







Business Credit Guarantee

Finance experts are elated as Want Business Credit Now has finally rolled out their much anticipated Business Funding Suite.

Want Business Credit Now has released a first of its kind cash and credit access system which provides business owners easy access to financing options of all kinds for their businesses.

The business credit and funding suite has over 400 financing sources. There is also access to over 30 different funding sources available.

“Access to money has always been one of the biggest challenges a business owner faces,”


“Through the funding suite entrepreneurs can quickly access the cash and credit they need to grow their business.”

The Business Credit and Funding Suite provides unprecedented access to money for business owners. Virtually every type of known legitimate financing source is available through the business funding suite.

Business Credit is one of many funding options available. The business credit and funding suite offers hundreds of merchants who offer business credit, all with no personal guarantee required.

This means business owners can access credit for their business without the personal liability of a personal guarantee.

Plus business credit is available with no personal credit check. So, even business owners hit hard by the change in economy will still qualify.

“Our clients can easily be approved for well over $50,000 in business credit within their first 6 months using the cash machine. And this credit is with major merchants business owners frequently use,” says Ruth Van with Want Business Credit Now.

Plus business credit is only one of many financing options available.

SBA loans including micro-loans are available as well. Consumers can chose from single SBA loans or multiple SBA loan“bundles”securing financing over $150,000.

Factoring loans, equipment loans, credit lines, merchant cash advances, and many more are all available through the Business Cash Machine.

“Now business owners have access to all real cash and credit sources for their business in one place,” says Ruth Van with Want Business Credit Now.

The funding suite also helps business owners with the initial steps of setting up their business to insure they are approved for financing.

Business owners can even acquire and excellent business credit score right through the business credit and funding suite.

And, business owners can secure new financing with one-click access and easy online approvals. Plus one of the main benefits of the business funding suite is concierge coaching.

Want Business Credit Now has coaches who help business owners access the cash and credit they need to grow their businesses.

And, this concierge coaching includes helping business owners all the way through the approval process to insure they get approved and quickly receive their money.

The Business Credit and Funding Suite has finally given business owners access to the funds they need to grow and expand their businesses.

To learn more about the exclusive Business Credit

and Funding Suite you can visit or call 888-977-1222



Student Loan Consolidation

If you have used up all your available deferments and forbearances, consolidation may work for you. Not only can consolidation lower your monthly payments, it restarts the clock for all deferments and it restarts the clock for all deferments and forbearances – thus postponing when you must begin repaying your student loans. For example, if you have already used three (3) years of deferments and three years (3) of forbearances for a particular set of loans, by consolidating them into one loan, you can get up to three (3) more years of forbearances.

Consolidation allows you to simplify the repayment process by combining several types of federal education loans into one loan, thereby making just one payment each month. Also, that new monthly payment might be lower than what you’re currently paying because interest rates may be lower and repayment time has been extended from 10 to 30 years. Consolidated loans are available from private lenders (Federal Family Education Loan, FFEL) or Direct Consolidation Loan Program offered by the Department of Education.

You may want to consider consolidation if:

  • You have used up all your deferments and forbearances, don’t qualify for any of the low payment plans, and cannot afford your monthly payment.
  • You want a lower interest rate even though you can afford your current repayment plan.

Your loans are in default. Under the Direct Consolidation Loan Program, loans that are in default may be consolidated with the government. Loans in default with private lenders may be consolidated, but with greater effort. Often, with private lenders, you must make 3 consecutive months of payments before they will consider allowing your loans to be consolidated.

You may think getting a loan consolidation is a no brainer since it usually results in lower interest rate loan with lower payments. However, there are some details that may change your mind.

  • First, like all low-payment plans, extending payments over a much longer time results in much more money being paid in interest. Thus, the loan cost more over its lifetime – often times 2 to 3 times greater.
  • Second, if you are married, you can consolidate your loans jointly but only if both you and your spouse agree to repayment of the entire loan – even if you divorce. That seems unwise considering most couples divorce within five years of marriage. Further, if you consolidate jointly and one of you dies, the surviving spouse is still responsible for repayment on the entire consolidated loan; unlike if the loans are separate and one person dies, then his or her loans are canceled.

Once made, consolidation loans can’t be unmade because the loans that were consolidated have been paid off and no longer exist. Contact the Department of Education for requirements concerning consolidation. For plan details contact the Direct Loan Origination Center’s Consolidation Department. You can reach them by calling 1-800-557-7392 or visit

Foreclosure and Short Sale Removal

Many people feel like they’ve been hit in the face when credit problems strike them. On a much larger scale, getting hit in the face is similar to some degree as getting your house foreclosed on or any credit problem.
How are you going to handle yourself or your credit after foreclosure happens?
Or for that matter after ANY credit crisis happens?
The number one thing I tell our clients is to make sure all of their other trade lines are positive. When you can isolate an incident on your credit it has less of an impact.
Many clients ask if there is a difference in doing a foreclosure, a short sale or a deed in lieu.
The common alternatives to foreclosure, such as short sales, and deeds-in-lieu of foreclosure are all “not paid as agreed” accounts, and considered the same by your credit score. This is not to say that these may not be better options for you from a financial perspective, just that they will be considered no better or worse for your credit score.
If you are considering bankruptcy as an alternative to foreclosure, that may have a greater impact to your credit. While a foreclosure is a single account that you default on, declaring bankruptcy has the opportunity to affect multiple accounts and therefore has potential to have a greater negative impact on your credit.
Again, there are always alternatives when you call Fix My Score.  Our attorney has a proven method to remove foreclosures and shortsales from your credit report.  You pay not fee for this service until it is removed from your credit. There is a way out of this unfortunate situation.

How long do negative items stay on your credit report?

How Long Do Negative Items Stay on Your Credit Report?

The items on your credit report are called tradelines. They can either be
positive or negative. Positive tradelines help your credit score and
negative tradelines lower your credit score. Most negative items remain on
your credit report for 7 years from the date of first delinquency, but
there are exceptions:

Delinquencies (30 – 180 days late) remain for 7 years from the date of the
initial missed payment.

Collection Accounts remain on your credit report for 7 years from the date
of the initial missed payment that led to the collection (the original
delinquency date). When a collection account is paid in full, it will be
marked “paid collection” on the credit report.

Charged Off remain for 7 years from the date of the initial missed payment
that led to the charge off (the original delinquency date), even if payments
are later made on the charged-off account.

Closed accounts are accounts that are no longer available for further use.
Closed accounts may or may not have a zero balance. Closed accounts with
delinquencies remain 7 years from the date they are reported closed, whether closed by the creditor or by the consumer. Positive closed accounts remain at least 10 years.

Lost credit card – If there are no delinquencies, credit cards that are
reported lost will continue to be listed for 2 years from the date the card
is reported lost. Delinquent payments that occurred before the card was lost
are reported for seven years.

Bankruptcy- Chapters 7, 11, and 12 remain for 10 years from the filing date.
Chapter 13 remains 7 years from the filing date. Accounts included in
bankruptcy remain 7 years from the date they were reported as included in
the bankruptcy.

Judgments (child support, civil & small claims) remain on your report for 7
years from the date the judgment is filed.

Tax Liens – (city, county, state, and federal) Unpaid tax liens remain 15
years from the filing date. Paid tax liens remain 7 years from the paid date
of the lien.

Inquiries remain on your credit report for 2 years, with those in the last 6
months usually given the most consideration.

Positive Accounts remain indefinitely and paid positive accounts remain 10

The credit experts at FixMyScore know credit law and how to use
the laws to your advantage. FixMyScore works with you during the dispute process to achieve the best possible outcome in eliminating negative items that are impacting your credit life. Our credit experts will analyze your credit report to target for removal the inaccurate, misleading and unverifiable items. The good news is that the reporting system itself is flawed, 96.7% of negative items are on the report WRONG!
Don’t become a victim to high interest rates and absurd fees.

Call The Credit Experts Today! 888-977-1222

To Great Credit,

Hello world!

Welcome to This is your first post. Edit or delete it and start blogging!