Saturday, January 1, 2011

Is Credit Repair A Scam?

Just as other work at home opportunities available online turn out to be dishonest ploys or downright scams, the credit repair business is no different. Unfortunately, the actions of a few can cast a dark cloud over the many that are reputable. Bad news travels faster than good news and as a result, online opportunities can end up with a bad stigma. Since credit is so vital to each and every one of us, it can be incredibly easy to entice someone with bad credit into paying lots of money to restore their good name. Swindlers abound everywhere. When done honestly and ethically, A Credit Repair Specialist can be quite successful and help people at the same time.

A prevailing philosophy in our society is that only time can heal bad credit. Based on the way credit files are set up, this is true. Credit accounts, good or bad, generally remain on a credit file for no longer than 7 years, sometimes less, but not often. If someone chooses to just wait and do nothing, it likely will take a long time to see a deregatory account leave their credit file. What most people do not know is that because of federal laws protecting both the consumer and the creditor, there are ways to, in effect, "clean up" bad credit, or even restore someone's credit file to what it once was.A person with good knowledge of these laws can be quite successful, with a little dillegence and ethical behavior.
I have to tell you the day to day tasks involved in credit repair can be, and usually are, very tedious. Thereis alot of letter writng, a lot of verifications of accounts, and worst of all a lot of waiting. But, with perserverence and belief in what you are doing, success will come. Your clients will love you for what you have done for them, and as a result, referals are quite common.

Still skeptical? An organization called The Ethical Credit Repair Alliance (ECRA) has been established to protect the interests of both credit repair professionals and the public. You Can Check Them Out Here

Credit repair, as in any other business, has good players and bad players. If you can play nice and don't mind spending 4 or 5 hours each day doing good work for others, you will likely be successful, earning a good living along the way.

Saturday, December 25, 2010

Want To Work At Home? You Can Help People And Yourself Too!

I don't need to tell you how bad the economy has been the past three years. The fact you are reading this post tells me you have very likely been affected by it in some profound way. Countless people just like you and me have had their credit and good names destroyed due to issues like job layoffs, job loss due to companies downsizing or outright closing, bank failures, lost investments, and the list goes on and on. Let's face it: Credit is King. The economy cannot rebound until consumers start spending again, but how can people start buying big ticket items again when their credit is shot? The answer is THEY CAN'T!! The good news is that bad credit is not forever. Fortunately there are laws in place that dictate how long credit bureaus can retain records on consumers and how the credit bureaus must edit reports depending on how they handle requests by the consumer for the information they retain. Believe me, there are people out there crying for somebody who can manipulate or work the system , legally I might add, so as to favorably remove incorrect and derogatory information from their credit bureau reports, effectively restoring their good credit and good name. I stumbled on this business much by accident. I had fallen into the bad credit hole several years ago and desperately searched on how to restore my own credit files. To make a long story short, I found a very simple way to get it done and in the process found a very lucrative way to work at home. It is surprisingly easy once you have located some clients.
Their are several tried and true turn key credit repair packages that are available for a very, very, small investment, considering how much you can make. I have had a good experience with several. Try This One If you want to work at home, credit restoration is a good bet.

"If you put off everything till you're sure of it, you'll never get anything done".
Norman Vincent Peale