credit repair strategies

Sue Your Creditor Who Violate Your Rights for 1000s
 

With the abundance of credit repair products and credit repair companies flooding the internet lately, it can be a daunting task to find legitimate credit repair products that really work to improve bad credit and increase your fico score.

So when I came across this product, 24hrcreditfix, I wasn't really expecting anything groundbreaking as far as unique and effective credit repair tactics. As a 12 year veteran in the mortgage and credit business, I have seen just about every credit repair product in the market, and I'm very familiar with most every credit repair company.

---> In fact, most of the credit repair companies in existence are nothing more than "dispute letter mills" that leave the majority of their customers unsatisfied and often in worse shape than they were before they hired the credit repair company.

Many of the do-it-yourself (DIY) products are outdated and/or rehashed or basic material that most consumers can obtain free by spending some time online reading credit repair forums. With the constant changes in credit laws and the changes within the credit bureaus, what may have worked years ago may not necessarily work today.

---> So the question was: does 24hrcreditfix offer up to date quality information that you can put to use on your own to improve your credit fast without hiring a credit repair company.

One thing I know for certain, is that the credit bureaus are very keen on detecting whether or not a consumer is using the services of a third party credit repair company. And in case nobody told you, the credit bureaus seriously frown on consumers hiring and using a credit repair company to do their work for them. As a sidebar: Please don't hire a credit repair company. You seriously risk having the credit bureaus flag your disputes as "frivolous".

 That is one of the nice features of 24hrcreditfix, it not only shows you how you DO NOT need to hire a credit repair company, it goes on further to show you exactly how to approach the credit bureaus effectively, on your own, to insure you of the quickest and most effective deletions and credit clean-up techniques that the author, Rick Miller learned as a former manager of one of the major credit bureaus.

Did you get that? The author is an insider. Ok, at first I thought, "is this a slick sales angle used to push his product, 24hrcreditfix?" "Is this simply a good sales pitch?" I was very pleased to discover that it isn't just hype. There are several gold nuggets of inside credit repair information and little known stealth, underground guerilla credit repair tactics that he divulges from his many years of experience as a manager at a major credit bureau.

 24hrcreditfix offers techniques that I have not seen in any other credit repair guide. And I've seen alot of credit repair guides. He offers insights on specifically what the bureaus look for, how they "flag" credit dispute letters, and the absolut best and ONLY way a consumer should approach the credit bureaus, and very detailed instructions on how to construct the ideal credit dispute letter.

One of the nice features of 24hrcreditfix is the section on exposing the credit repair attorneys and the credit repair companies. in it, you discover exactly why you can actually damage your credit further by utilizing the services of an attorney or a credit repair company. often times a company may have success at temporarily deleting bad credit, but where they fall short, and where 24hrcreditfix shines, is insuring that all bad credit deletions become permanent deletions!

Then there's a section on effectively negotiating with your creditors. 24hrcreditfix shows how simple it is to get your creditors to agree to settle your debts for a small fraction of the original owed amounts. I've always known that this is possible, but the way 24hrcreditfix shows you how to go about it really blew my mind.

I had know idea that his little "twist" existed. Most of the time when an item is successfully negotiated down, the creditor reports to the credit bureaus as "settled for less than full balance", which is bad. That is a definite score reducer. 24hrcredit details how to avoid this, and how to go about having your creditors report to the credit bureaus as "paid in full". That's a score booster.

Ok, 24hrcreditfix offers a list bad credit lenders and credit card companies to apply to for building credit. No big deal, right? There's no shortage sites offering this information. So at first I thought, "same old, same old".

 Well I was wrong. He has a very reliable, up to date list of bad credit lenders that I did not discover anywhere else. Two of these credit cards I currently have and I'm using to build additional credit with and I couldn't be happier. This information is offered in his bonus section which, by the way, happens to be the most quality bonuses I have yet to come across. The bonus section alone is worth the price of the product.

I guess the only downside I saw with 24hrcreditfix was the section (bonus) on creating a brand new credit file. Fortunately, I did not need to make use of this technique because the tips, tactics and inside information 24hrcreditfix provides was more than enough to increase my fico score over 135 points.

I saw this bonus of creating a new credit file a downside simply because I don't know how long that process would take, and some have questioned the legality of it. I'm not a lawyer, so I cannot speak to the legality of it. Some may question if it's ethical, and some may see it as another credit repair technique in the 24hrcreditfix arsenal of underground guerilla credit repair tactics.

Just when I thought I had heard all there is to know about credit building techniques, 24hrcreditfix offered up yet another stealth method of adding rental payment histoy to your credit report. That's right, he details how you can go about adding your rent to your credit report to increase your fico score.

Lastly, whenever considering an online purchase of any kind, always take into account the availability of the company, and the owner/author of the product. Does the website offer a physical address or at least an email address? Are they making themselves available to product questions and customer support? Or, are they hiding behind a PO box?

24hrcreditfix provides outstanding customer support, and I was pleased to get an answer to an emailed question within a day or two. I can list several other companies that offer credit repair guides that I purchased over the years that left me on my own and pretty much ignored my emails. Combine that with mediocre at best information, and needless to say I wasn't a happy camper. I'm just glad that I eventually found 24hrcreditfix. It's one of the few credit repair guides that I felt comfortable spending money on.

In conclusion, when you combine insider (former credit bureau manager) knowledge of 24hrcreditfix, with all of the quality little-known credit repair tactics, together with the most comprehensive quality bonuses not found elsewhere, in addition to a 2 month money back garuantee, it's easy to see why this is truly a "no-brainer" top of the line credit repair product. I give 24hrcreditfix my highest recommendation Go directly to 24hrcredit website