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Credit Repair: Set yourself Free

Realize Your Potential

No more hiding. It’s time to move on, to be free, to stop looking over your shoulder. You can do it. You can realize your potential. It’s time to get straight with your credit. Let me help you start the credit repair process. It will be the best thing you ever did. Take one step at a time, and before you know it you will be free. No more worries about old debts or troublesome collectors. No more hiding from your bills. Let’s brighten up your life, starting today.

Credit Repair and Inner Peace

Coming clean is such a relief. Let’s imagine what your life might look like. Picture yourself as straight with everyone. Opening your mail is no longer a bad moment in your day. Now when you sort through your bills you feel confident. You are living within your means; you have reserves in a savings account, and real peace of mind. You can do this. We can do it together. Let’s try. Let’s get the credit repair process underway.

Getting Right with Your Credit Cards

If you are behind on credit card payments, but not yet in collection status, there is a little-known credit repair solution called “re-ageing.” This process will allow you to convert your past due balance into a current balance, and eliminate all late payments from the account history – the perfect credit repair outcome. Re-ageing is designed for people that have been through a period of hardship and are now ready to get back on track; so you must clearly tell the creditor that you are in this category.

Just call the credit card issuer and tell them that you would like to take advantage of their re-aging policy. After reviewing your request they will ask you to make three on-time payments upon which your account will be brought current. Some card issuers refer to this process as “curing”. If the person you are speaking with does not know what you are talking about, ask for their supervisor. Organize your thoughts before you call. Remember to tell them that your life has changed and you are going to be a great customer!

Straighten Out Your Student Loans

Student loans are in a unique category of debt, and will never go away. You need to pick up the phone and deal with it right away. But there is good news. First, the law requires that student loan lenders accommodate borrowers by making repayment as flexible and affordable as possible. And second, there is assistance available to help you understand your rights. I promise that this credit repair task will be easier than you think.

If you are having issues with your student loans – if they are past due, or even long since in default, please call the Student Loan Ombudsman Office at (877) 557-2575. Everyone qualifies for student loan rehabilitation and consolidation regardless of credit history. Rehabilitation will remove the default status from your credit report, and consolidation will allow you to restructure your payments for affordability. Call today to explore your legal rights.

Credit Repair and Your Credit Report Mess

Now for the fun part of the credit repair process! It’s time to clean up your credit report, and I believe you will find a goldmine of potential hidden in the mess. People with past credit problems are virtually guaranteed to have significant errors on their report. The great thing about credit reporting errors is that they can be removed. This is the heart of credit repair, and a moment of revelation for many people. Careful legal proofreading can eliminate a large percentage of the derogatory information. Just watch your credit scores come back to life.

Planning Your Life With a Budget

There are many great credit repair strategies. A credit repair professional can guide you through the process to insure that every possible angle has been considered. But at the end of the day the focus is going to shift to you. The long-term success of your credit repair program lies in your ability to maintain your payments. You must live within your means. I recommend taking the time to develop a budget. Does this sound boring? Remember that knowledge is power. This little bit of homework can make a big difference in your life.

Get a pen and paper and list every expense you have. Include everything from necessities to entertainment. Compare your expenses to your income. This can be an eye-opener. Is there enough left over each month to contribute to a savings account? Don’t think of budgetary decisions as austerity. There is strength in doing the right thing. And the payback will be surprising. Great credit will lower the cost of every dollar you borrow. Balance will return to your life, your savings will grow, and you will discover real inner peace.

Copyright © 2007 James W. Kemish. All Content. All Rights Reserved.