I am very happy that you’re reading this short article. My name is Choice, and yes it’s the name given to me at birth in a small town in Alabama. My picture is in the dictionary under regular guy. Well not really, but that’s who I am. I’m going to help you raise your credit score and clean up credit?
In the upcoming days and weeks we’re going to talk in plain language about this credit game that has so many people in bondage. Understand that I’m not an attorney and I do not hold a degree in credit repair. But I have picked up a lot of knowledge about how to raise credit score and clean up credit.
I must admit I excited and shaking in my boots at the same time because this is my first article. So thanks in advance for your support. My goal is to equip you with enough information to get your credit score high enough for the finer things in life.
So what are credit bureaus all about? The bottom line is they’re about making money hand over fist. And it’s all done at the expense of ruined lives and families.
Just about every company you do business with will report your payment history (good or bad) to these credit bureaus for a substantial fee. The credit bureaus accept whatever they say about you as truth. Hey, as long as they’re getting paid they don’t care.
The credit bureaus create a profile on you with all this information they gather from people you do business with. It’s what we call a credit report; but you know that already. But just in case, a credit report shows how you pay your bills, whether you’ve filed bankruptcy, been sued, have tax liens, collection agencies…you know.
In a sense they tell your life’s story, which much of the time the information isn’t 100% true. But that doesn’t seem to matter to them because it’s all about the money they make reporting on you.
…and just fyi, the credit bureaus make even more money by selling everything they have on you to companies that pay for it. Those companies then make a decision on whether you buy a car or a home, get insurance or a job, and so forth. And when you think about how they report inaccurate information, it’s very troubling.
How many times have you heard that only time can clean up credit? That there is nothing you can do about your bad credit report? I tell you, you can do something about it. I did and that is the TRUTH.
You see if there is any inaccuracy in the way they report on you, then you have a case. They have to be 100% correct on all levels. Did you know that? There is the Fair Credit Reporting Act that protects you against the credit bureaus.
O.K., in the next few days we’ll begin the process to clean up credit. First we’ll show you how to get a free credit report. Then we’ll show you how to put an end to all those collection agencies calling you all the time.
You’re going to love that; no more harassing phone calls from collection agencies. Oh what a relief it is.
We’ll talk soon…. Choice Harris