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Digg it UP - Free Credit Repair Advice: How to Spot a Credit Repair Scam
We’ve all heard the stories of people making a surprisingly good living from opening up a business on eBay. Some people have even become millionaires thanks to the ease of use and global reach of eBay. You may say to yourselves, “It seems easy enough. If others can make a nice profit on eBay, why can’t I?” The truth is, eBay is not as profitable as you may think. The escalating costs of fees and marketing are for
Trying to get your foot in the door of a company is often the only thing preventing you from kick starting your career or finding your dream career.Have you ever applied for a job that you really wanted and thought to yourself “if only I could convince the hiring manager that I’m the right person for this job, I’d REALLY show them what I am capable of.”In other words, it sometimes seems that getting the
Their ads are easy to spot. They say things like:
"Repair your credit rating--guaranteed!""Remove bad information from your credit file--immediately and forever!"
They're fantastic claims and immensely appealing, especially if you're having financial difficulties that are affecting your own credit rating. Therein lies the problem: their claims are fantastic, based on fantasy, and they can't help repair your credit, regardless of what they may claim. Fortunately, there are ways to get your credit back on track--and you can do it yourself, sometimes for free, without the help of Credit Repair companies.
Here's how to avoid becoming a victim of Credit Repair scam:
First, know what they promise--and it's a very appealing. For a fee, they claim to be able to clean up your credit report, which, in turn, will allow you to be able to get a loan, whether it's for a car, a home, or anything else. Be assured that regardless of how expensive their services may be or how lavish their promises, those companies can't do what they say they'll do. Worse, their credit repair advice can hurt you.
Second, you need to recognize the warning signs when it comes to credit repair scams. If a company wants you to pay them up front for their services, you should immediately begin to be concerned. They'll tell you the fees are to cover the valuable information they're about to give you, but you should know that all that information is available to you FREE from various sources, including the federal government. (For instance, a great source of free information from the Federal Trade Commission can be found at http://www.ftc.gov/bc
In the past, credit card payments have always been fair, a small percentage of the total balance owed. A new change has recently been proposed by the government that may change this. The monthly credit card payments that people are making may double within the next year. This will make things much harder for people who are already having a hard time making their existing payments.How Much You Will Now Need T
They're fantastic claims and immensely appealing, especially if you're having financial difficulties that are affecting your own credit rating. Therein lies the problem: their claims are fantastic, based on fantasy, and they can't help repair your credit, regardless of what they may claim. Fortunately, there are ways to get your credit back on track--and you can do it yourself, sometimes for free, without the help of Credit Repair companies.
Here's how to avoid becoming a victim of Credit Repair scam:
First, know what they promise--and it's a very appealing. For a fee, they claim to be able to clean up your credit report, which, in turn, will allow you to be able to get a loan, whether it's for a car, a home, or anything else. Be assured that regardless of how expensive their services may be or how lavish their promises, those companies can't do what they say they'll do. Worse, their credit repair advice can hurt you.
Second, you need to recognize the warning signs when it comes to credit repair scams. If a company wants you to pay them up front for their services, you should immediately begin to be concerned. They'll tell you the fees are to cover the valuable information they're about to give you, but you should know that all that information is available to you FREE from various sources, including the federal government. (For instance, a great source of free information from the Federal Trade Commission can be found at http://www.ftc.gov/b
Getting the RIGHT testimonials the RIGHT way, and using them the RIGHT way will explode your marketing and sales results, plus they will explode follow-up sales with the customers who gave them to you.Most people either forget to get a testimonial, or, even if they do ask for them, they are weak, really weak. Most are vague, "He's really great!"Turning those into measurable results will make them powerfu
Here's how to avoid becoming a victim of Credit Repair scam:
First, know what they promise--and it's a very appealing. For a fee, they claim to be able to clean up your credit report, which, in turn, will allow you to be able to get a loan, whether it's for a car, a home, or anything else. Be assured that regardless of how expensive their services may be or how lavish their promises, those companies can't do what they say they'll do. Worse, their credit repair advice can hurt you.
Second, you need to recognize the warning signs when it comes to credit repair scams. If a company wants you to pay them up front for their services, you should immediately begin to be concerned. They'll tell you the fees are to cover the valuable information they're about to give you, but you should know that all that information is available to you FREE from various sources, including the federal government. (For instance, a great source of free information from the Federal Trade Commission can be found at http://www.ftc.gov/b
AdSense is a monetization revolution for small content publishers. AdSense is an ad serving program run by Google. Webmasters can enroll in this program to enable advertisements on their sites. These ads are administered by Google and generate revenue on either a per-click or per-thousand-impressions basis. Google is also currently beta-testing a cost-per-action based service." appears on the Wikipedia definition.or a car, a home, or anything else. Be assured that regardless of how expensive their services may be or how lavish their promises, those companies can't do what they say they'll do. Worse, their credit repair advice can hurt you.
Second, you need to recognize the warning signs when it comes to credit repair scams. If a company wants you to pay them up front for their services, you should immediately begin to be concerned. They'll tell you the fees are to cover the valuable information they're about to give you, but you should know that all that information is available to you FREE from various sources, including the federal government. (For instance, a great source of free information from the Federal Trade Commission can be found at http://www.ftc.gov/b
A while back a small business owner paid me a visit. He wanted help marketing his fitness business to women. Before we even started talking, he handed me his business card. The card was very professional and said all the right things. But it also included a huge blunder.He was pretty smart to target women as prospects for his business. After all, experts say that in the average household women control over two
If you pay up front, many of those companies will simply disappear--taking your hard-earned money with them. To protect consumers from that scenario, congress passed the Credit Repair Organizations Act, making it illegal for Credit Repair companies to require payment until after they've fully fulfilled all the promises they initially made.
If a company encourages you not to contact the various credit reporting companies on your own, that's another warning sign. You have every right to do contact the agencies yourself. And you don't need to pay anyone to do it in your behalf.
A third, and even more potentially damaging, warning sign is if a company suggests that you pay them to help you create a new credit identity, which will allow you to begin creating a new credit report, free of the damaging information on the report you already have. This has serious potential problems, including involving you in a fraud against the federal government. You could even go to prison.
It's your responsibility to remain as creditworthy as possible, but sometimes things get out of hand, often through no fault of your own. When that happens, it's tempting to seek out the help of a company that makes lavish promises, but by knowing what those companies CAN'T do to help, you can safeguard yourself from becoming a victim of a Credit Repair scam.
Copyright © Jeanette J. Fisher
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