Student loan defaults, medical emergencies, identity fraud…all are reasons a person might have problem credit. However, when a person has bad credit the reasons never seem as important as the consequences of having such credit. People with bad credit have a tougher time getting loans or when they do they are often offered only subprime loans which are costlier in the long run – sometimes much costlier! That much needed new car or that house in need of repairs become unattainable goals. Lastly, being a prisoner of bad debt is also worsened by unexpected crises - such as medical emergencies, etc. In fact, the fraternity of people who have bad credit continues to grow at an alarming rate; a majority of Americans – 56% - have “less than perfect” credit.
Consequently, many people feel powerless or else they simply hope that things will just work out on their own. They won’t. In order to repair bad credit one has to be proactive. There are steps that people in this situation can take. First, they can get a free credit report to see just where they stand. Next, they can make a budget and stick to it. Finally, and arguably most importantly, they can seek out people who can communicate more directly and effectively with the credit reporting agencies than they are able to – credit fixers. Credit fixers, or credit repair services, are comprised of people who can show you how to fix your credit. These people are often knowledgeable about lending laws and communicate directly with credit reporting agencies. They can write letters on your behalf regarding your debt. They can help clear up mistakes that may be on your report—most credit reports contain errors. Lastly, they may be able to help raise your credit score.
However, just as one does not enter lightly into debt, one must be careful in choosing who may ultimately help extricate one from such debt. Here at National Credit Fixers we are a credit repair company that has certified FICO professionals working for us. Our professionals can talk to you in person about your case. You won’t be routed to a call center as some repair companies do. We also have professionals there who are familiar with and will to use the Fair Credit Reporting Act (FCRA) – a federal law designed to help protect you against unscrupulous collection practices and errors in your report – to your advantage.
To summarize, they say that in the Chinese language, the word “crisis” is composed of two characters, one representing danger and the other, opportunity. National Credit Fixers can help you emerge from the financial crisis of bad credit and take advantage of the opportunity to start anew with a sense of relief and freedom.