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]]>The post Credit Repair vs Credit Bureaus appeared first on Team USA Credit Repair.
]]>You would think with today’s technology that these millions of errors could be fixed, right? Ok, so how do they make money from these errors? To begin with, everyone has heard of “online credit monitoring” in today’s era.
The Big 3 (Equifax, Transunion, Experian) own some of the most popular online credit monitoring services to see your credit scores, which consist of www.equifax.com, www.transunion.com and of course you have www.experian.com, who had the goofy commercials back in the day.
If you know that your bills have always been paid on time, you have no credit card debt and you’ve never been declined for a loan application, how would the Big 3 capture your business?
Let’s think outside the box now. If your credit report could get mixed with someone else’s (this means that someone else’s bad credit ends up on your report) credit report from simply having a similar name, being a junior/senior or having only 5 of the same digits in your social security number while living on a similar street, that leaves you vulnerable to having a bad and dubious credit report!
Now with the fear in mind that you could get turned down when applying for an unsecured business loan, asked for a high down payment, pay an extraordinary rate or even pay a higher premium for insurance policies, $9.99 – $29.99 per month to monitor your credit reports and catch errors doesn’t sound that bad!
It is my opinion as an experienced credit specialist in credit repair, that The “Big 3” want to keep these errors at an ever higher rate and plant fear in everyone’s mind so that they can obtain as many monthly online credit monitoring subscriptions as possible!
According to a U.S. Census report from July 2009, the U.S. population is estimated at 307,006,550. Another statistic by Transunion states that only 35% of Americans have a good FICO score above 700.
With that said, over 100,000,000 American citizens would never need online credit monitoring services without the fear of mistakes on their reports! That means The Big 3 have gone after an estimated 1.5 Billion Dollars that would have never been touched!
I truly believe that profit is not a dirty word! If we didn’t have businesses and profit didn’t exist, nobody would have a paycheck to deposit in the bank! At this point though, I truly believe the credit bureaus have gone too far!
It would take an entire book to share all the dirty secrets I have learned over the years! Stay tuned for more information in our future posts.
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]]>The post Credit Repair Las Vegas appeared first on Team USA Credit Repair.
]]>Las Vegas needs credit repair just as bad as Detroit for more than one reason. Las Vegas is a great town with a lot of opportunity! Let’s discuss why it is so crucial to use the right company.
One reason that the city needs help with their credit is because it has one of the highest unemployment rates in the country. This causes people to go through financial hardships that is beyond their control. Once theses times pass, allowing them to get back into a good financial position, they will need credit guidance and help restoring their credit.
Another reason is due to the high amount of foreclosures in Sin City, which leads to the need for credit restoration. The thing about foreclosures is that the majority of foreclosure cases are not handled 100% legally or ethically.
Many times they don’t have all of the required documentation to initiate foreclosures. The mortgage companies must have 100% of the necessary documentation that is required for this privilege.
I could go on all day about this topic. The best example that I can give is that the state of NV froze many foreclosures that would have taken place due to these companies being unable to furnish the original contract. For this reason, we feel it is important as well as our duty to provide an ethical solution.
Another reason for the high demand of these services is that bankruptcy is near the top of the list. Sin City was one of the top cities in the United States to file for bankruptcy, due to the prior reasons that we said credit repair is a must.
So many people are losing their jobs, their houses, cars, etc. With all of the predatory lending that is going on as well as illegal collection activities and practices, we see a huge demand for credit restoration services in one of the most amazing cities.
This post was originally written in 2011.
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]]>The post Life After Identity Theft appeared first on Team USA Credit Repair.
]]>It is much like a PC virus and often it is too late once the virus has been discovered! It can be controlled and slowed down, but it can also come back out of nowhere all over again!
The good news is that recovering from identity theft is not as painful of a process as most people would imagine. With the credit card laws and policies in place today, disputing and recovering stolen funds from fraudulent credit card transactions are a fairly simple process.
By simply notifying the card issuer to alert them of your mishap, most banks will reverse the funds back into your account immediately to prevent the consumer from suffering while an investigation is conducted.
So, now what? You have recovered your money from the fraudulent purchases that were made by the identity thieves. Who is to say that they will never open more accounts under your name, sending you back through the abyss?
You must take the necessary steps to prevent this from happening.
Team USA Credit Repair has helped many people that were victims of identity theft. The steps and procedures that are taken by Team USA for identity theft cases are very different than our standard services that we offer! Unlike our standard service that typically takes about 60-90 days, identity theft can be handled in a matter of weeks. That’s right! WEEKS! This is possible by us applying different tactics based on other areas of law that are in place to protect the consumer. These laws allow the credit bureaus to block accounts in a matter of days and were enforced to prevent the fraudulent debts from ever reappearing on your credit. It also prevents the debt from being reported by a third party debt collector in the future that could have possibly bought the debt before you discovered the fraudulent account.
If this sounds like something you’re currently experiencing with your credit and you would like assistance from our professional staff, then you should call our office at Team USA Credit Repair immediately! We are very experienced in this field and are proud to say that we have helped thousands of people get back what these thieves have taken!
If you are a victim of identity theft and you would like to take advantage of our special “identity theft credit repair” services, it is imperative to provide us with all of the necessary documents that will be required by the credit bureaus in order to handle this matter efficiently. These items will include a list of the accounts that were opened or created as a result of identity theft, an identity theft report that describes details of the incident, a paper driver license copy, social security card copy and utility bill copy for proof of identity, residence and identity theft status.
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]]>The post Birmingham AL Credit Repair Companies appeared first on Team USA Credit Repair.
]]>When searching for the right Credit Repair company in Birmingham, it is good to check and see if there are any testimonials as well as BBB complaints. The other thing to check out is the pricing schedule. There are 3 types of pricing schedules for credit repair.
The first one is to charge the client for the work upfront. Not only is it unfair but it is illegal and very common. Even if it was legal, what assurance do you have that they will back their claims. They have already received their money and have no real motivation left. If a Birmingham Credit Repair company tells you that they get paid before performing……STAY AWAY!!!!
The second credit repair model is to charge a client a monthly fee. This service is actually legal but definitely not the way to go! Why, might you ask? If they are collecting their money on a monthly basis, then there is absolutely no desire to get the job done quickly. These types of companies will typically tell you that it takes about 18 months to get the full results. This is simply done for them to bank more profit.
The third method is to pay-per-deletion. This is where the company doesn’t get paid until they get results. They are paid after receiving the results and only for the amount of items deleted. This is definitely the smartest way to go! If a company offers this type of service and can’t get the job done, they are in business for no reason! That’s because no results= NO PAYCHECK! A pay-per-deletion credit repair company has to work hard and aggressively to get to paid within a reasonable amount of time as well as earn a reasonable paycheck!
Team USA Credit Repair is a Birmingham, AL based Credit Repair company that has been around longer than the competition! They are also a pay-per-deletion company! What does this mean? They get results and they get them fast! That is how they are able to stay in business and smoke the competition!
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