WE WANT TO HELP YOU UNDERSTAND CREDIT REPORTING

In case you were not aware, everything in today's world is based off your credit report. Things such as getting a mortgage, a car loan, a credit card, a bank loan, or even an apartment lease to other things as small as getting a cell phone and in some cases even employers will look at your credit report when deciding to give you a job!

"Have you ever paid off a credit card or loan only to apply later in life for a new loan that that credit item still has a balance?" - Mistakes like these plague your credit report and can do some real damage to your credit score!

We can help you learn about and understand your credit better than the competition! We specialize in taking the time to helping individuals and couples review their credit to see how it can be improved.

If you do not fully understand your credit, or the credit laws, then you may not be utilizing your consumer rights granted to you under the United States Federal Trade Commission Fair Credit Reporting Act.

Many times we can take a look at your credit report and review what's wrong with it, then we work with you using our past experience, the current consumer credit laws to get rid of the erroneous information quickly. No need to lose precious time waiting for old credit items to "fall off" in 7 to 10 years, or the need to learn all pages of the law.

We educate you so you don't let the same errors reappear again. We help you uncover find mistakes on your credit reports and get them updated quickly through an automated process so you can get your credit scores to reflect your true rating.

Don't be the victim of your creditors reporting errors and mistakes. Under the current laws they are allowed to report information on you, however, it is not always accurate. The laws provide you the ability to dispute inaccurate items, but if you don't know what to look for, or how to dispute it properly, you are letting the mishaps of your creditors (and sometimes creditors you mistaking put your name on their account) affect your mortgage and loan interest rates, the amount of money you can borrow, the places where you can live, and sometimes, even the job you can get!

It's time you learn to take back control of your credit, educate yourself and fight back against creditors who may have taken advantage of you simply because you let them.

We can help you educate you regardless of the condition of your credit!
It's time you start to help yourself!

Dawn Offerman                                                                                                                    Credit Doctor                                                             www.nationalcreditdr.com

Phone: 503-663-9095                                     2229 NE Burnside St #285

dawn@nationalcreditdr.com                                              Fax: 503-663-9083                                                                         Gresham, OR 97030