Credit Repair Package

The biggest myth about credit repair is that you can easily do it all yourself. Credit bureaus want you to believe this because they know you can't achieve the same results as a professional credit restorer. This benefits them, but can only hurt you.

Unless you're an expert in legal and credit matters, it's best that you leave the process to the professionals, especially since we've arranged for you to obtain the best credit restoration in the country at such a low cost.

Our Credit Repair Package can be a welcome relief when you are overburdened and facing creditor problems. This package that we offer is not a loan and require no cosigners or collateral. They can help you bring important past due bills up to date and get you back on the right track. They'll help you relieve the strain and tension that accompanies creditor pressure, give you a convenient payment, give you a definite plan and a fixed target date for getting out of debt. You'll receive monthly computer-processed detailed records of all creditor transactions, and interim information may be available at any time by calling the consolidator.

Benefits

• Reduction in minimum payments, as much as 50%
• Consolidation of multiple payments into one simple monthly payment
• Reduced or eliminated interest rates
• Elimination of late charges and over-the-limit fees
• Re-aging of past due accounts to improve credit rating

Package Steps

1. Your counselor will review your credit and budget information to arrive at a repayment plan.
2. You will then decide when you will be making your first payment to your counselor. You will have one easy date that will be your payment date every month. There will be no more different due dates to remember or budget for!
3. If after discussing your financial situation with your counselor you decide to enroll in credit repaur package, your counselor will contact your creditors and negotiate with them to have your monthly payments lowered and your interest rates reduced. You then simply send one reduced monthly payment to your counselor and we distribute the funds to your creditors on your behalf. You will still receive your monthly statements, so you will see your balances dropping. If any of your creditors contact you, you can direct them to your counselor. You'll be assigned a personal account specialist to deal with any questions or situations that may arise.
4. Simply keep making your monthly payments on time and you will be on the road to a better credit rating, stable finances and eliminating your debt! (The initial repayment plan is subject to adjustment based on creditors' individual requirements -- your counselor will notify you when more payment may be required to satisfy creditor's needs. There is no industry standard as to what benefits creditors will extend to our counselor's clients, so every repayment plan depends in part on which creditor is involved.)

Results

How? Interest rate reductions, consistent on-time payments, and reduced late charges work together to effectively shrink the total balance owed. Before a client enrolls with our Credit Repair Package, most of his or her payments are applied to interest charges. This barely changes the balance amount. By reducing the interest, you can pay off the balances in a lot less time! The Credit Repair Package is also designed to provide you with easily accessible help and guidance. Your package counselor is available to handle harassing phone calls from creditors, assist you with legal situations and teach you how to handle credit in the future. He or she will also make budgeting suggestions so that you can save more money each month and spend your earnings more efficiently.

Won't I be better off declaring bankruptcy?