| HOMESTEAD SERVICES & CREDIT RESTORATION CREDIT REPORTING LAWS "What credit agencies don't tell you and What they don't want you to know" Need help in removing these items from your credit reports? Pursuant to the Federal Fair Credit Reporting Act: There are over 200 laws and 400 by-laws involving your rights and what a credit reporting agency "can" and "cannot" do regarding your credit report. As a consumer, you have certain protected rights that protects you against lawful and unlawful reporting acts by any reporting credit agency !! Our staff has more than 25 years of financial and technical experience ranging in areas from Legal Research (Federal & state), banking, insurance, securities, taxes, Homestead and real estate. We have the Best legal research team, second to none. Our corporate and personal goals with the hopes of being the best in our related industry. We stride in making constant and never ending improvements in our services, programs and products to our loyal clients. Our goal is to establish long- term relationships with our clients and serving them as repeat customers. Our customers look to us for great quality and incredible service. We make all efforts to deliver on these expectations every time. We believe that your satisfaction should be fully guaranteed. PLEASE NOTE: IF YOU ARE NOT FAMILIAR WITH INFORMATION CREDIT REPORTING LAWS, AND YOUR RIGHTS INVOLVING THESE LAWS OR PRIOR EXPERIENCE DEALING WITH CREDIT REPORTING AGENCIES THEN YOU MAY WISH TO UTILIZE A REPUTABLE COMPANY THAT WILL ASSIST YOU IN RESTORING YOUR CREDIT SCORE / HISTORY NORMALLY IN EXCHANGE FOR AFFORDABLE FEE FOR SERVICES RENDERED. WHY WE ARE THE BEST!! Reason One: Through our affiliate partner, we are a "CERTIFIED CREDIT SERVICES PROVIDER" pursuant to the CREDIT SERVICES ORGANIZATION ACT (ILL) since 1989. A MINIMAL of CREDIT REPAIR or CREDIT RESTORATION ORGANIZATIONS IN THE ENTIRE COUNTRY POSSESS THIS HIGHLY ACCREDITED CERTIFICATION. Ask any of our competitors if they are a Credit Services Provider certified through their state dept - More than likely, They are NOT!! Our Disputing System holds the "Big 3" credit reporting agencies fully "accountable" to verify and document what they are reporting. CALL OUR INFORMATION HOTLINE - FOR OUR 24 HOUR INFORMATION RECORDING DIAL 641-715-3900 then Our Access Code 4111765 # Reason Two: We are experts in assisting you by restoring your credit score and by challenging negative items that are currently being reported by the "Big Three" Credit Reporting Agencies; EQUIFAX, EXPERIAN and TRANSUNION while holding them fully accountable, BY LAW, to all items that they are reporting. Reason Three: Our staff has more than 25 years of financial and technical experience ranging in areas from Estate Planning (personal & corporate), Asset Protection, Legal Research (Federal & state), banking, insurance, securities, taxes, Homestead and real estate. We have the Best legal research team, second to none. Reason Four: Last but definitely not least - This is NOT about credit repair but credit restoration. Our system is very simple yet detailed. We are disputing what the credit reporting agencies can and cannot "Do" of the reporting of any of your past or present accounts. All credit reporting agencies are required by Federal law to have “verifiable proof” of any disputed account. We NEVER dispute what is on your report - instead we challenge the right to receive a copy of the Original Creditors Documentation that should be on file with the Credit Bureaus. The credit bureaus will attempt to misled you in thinking that it is YOUR job to verify any disputed account - IT IS NOT - It is the credit reporting agency to verify any account that they are reporting. If you were to any documents from the creditor… you would normally receive a copy of your account application/history within 24 hours by fax or mail. It is the credit bureaus are required to have a copy of that same verifiable and documented proof or known as prima facie evidence. Pursuant to the Federal Credit Reporting Act - Any credit reporting agency must provide you a copy of verifiable documentation if it is requested by the consumer. Here is what we find to be very alarming & disturbing.... "Even Real Estate Professionals are shocked to find out how credit reporting agencies actually conduct business" The Average person has an average between 7-12 negative accounts - We have NEVER RECEIVED one single copy of verifiable proof on a single client account. NEVER! THEN THE CREDIT REPORTING AGENCY WOULD HAVE TO CLARIFY BY LAW, THE FEDERAL GUIDELINES (LAWS & STATUTES) IN WHICH IT IS PERMITTED TO FUNCTION WITHIN SEE: U.S. Supreme Court - BOYD v. U S, 116 U.S. 616 (1886) 'Such is the power, and therefore one would naturally expect that the law to warrant it should be clear in proportion as the power is exorbitant. If it is law, it will be found in our books; if it is not to be found there it is not law. Here's a Summary of Benefits You Receive....
Evaluate the Cost When considering the cost of a professional service, the first thing to look at is how much is it costing you not to have good credit? This provides a meaningful means of comparison. Take this short anonymous evaluation:
The average score increases 60-120 points in as little as 90-120 days but in some cases even more! We force the "Big 3" Credit Reporting Agencies to follow the F.C.R.A laws! Credit Facts in the US:
Our system specifically requests each credit reporting agency to fully comply with the Fair Credit Reporting Act. A consumer has the protected right to full and complete disclosure of any information pertaining to them.
We comply with all federal and state laws governing the Credit Services Organization Act. We allow a 3 day “Right to Rescind” , your right to cancel within 5 business days under Federal law and work is performed BEFORE any payment is deposited into our account for services. We follow our client’s credit profile for a FULL YEAR offering advice and additional education…..At NO EXTRA COST. We are here to serve and better educate the public to the credit system. We want to help create more credit conscious, reliable consumers. Perfect: 750+ Good: 700 to 749 Fair: 650 to 699 Low: 580 to 649 Bad: 520 to 579 Very Bad: 480 to 520 BAD CREDIT WILL COST YOU THOUSAND OF DOLLARS !!!! SIGN UP NOW and Restore your Credit Today! IT'S EASY AS * 1, * 2, * 3 * Once Negatives Are Investigated And Removed, Do They Come Back? Negative information, once investigated and found unverifiable, outdated, misleading or inaccurate, may not reappear on your credit report, according to the FCRA (Fair Credit Reporting Act) * What Happens With Bankruptcies, Repo's & Foreclosures? These are considered negatives and derrogatories just like late payments, though more severe in the amount of points deducted from your credit score. Quite often these items can also be removed. * Does Credit Restoration Jeopardize The Credit System ? At NO time do we advocate the implementation of illegal procedures and/or suggest "fooling" the system. However, we keep in mind how consumers can be hurt and prevented from obtaining credit and even a job because of inaccurate, outdated, misleading or unverifiable information. * Why Does It Take So Long? It takes time to establish good credit and it takes time to mess it up. Improvement must take place along legally established guidelines and certain procedural rules must be followed. There are no shortcuts! * Are There Any Items Which Are Hard or Difficult To Remove? No!.. ANY unverifiable, inaccurate, outdated or misleading item can be removed regardless of how long it has been reported! * What Do I Do With My Clean Credit? After the credit bureaus conclude their investigations, a new copy of your updated and corrected credit report will be sent to your home address. Your credit report will still reflect your past good history, and therefore you should have relatively few problems. For those who must start fresh, there ar simple procedures you can follow to begin establishing new credit. Remember.....the most important thing you can do is to pay your accounts on time......over time. This will allow you to maximize your credit potential. * Do You Guarantee 100% Results? NO. No company can guarantee a particular outcome. We make no outrageous claims concerning 100% guarantees or any particular length of time it will take to complete your credit dispute. Remember.....there is no "magic wand" to wave over your credit reports to make years of poor credit or inaccurate information disappear. You should be able to see measurable results within 90 - 120 days depending on the amount of negative items we are challenging for you. Results will depend upon your individual circumstances. We do, however, warranty our work. If we fail to change your credit positioning at all over a period of 1 year.....we will gladly refund a portion of your service fee. Homestead Services and Credit Restoration, DBA © 2006 – all rights reserved CONTACT US TODAY! RESTORE YOUR CREDIT Telephone: (800) 871-9012 Toll Free or Direct (941) 822-(HOME) 4663 (305) 647-5232 (summer TELEPHONE #) Email: info@homesteadservicesflorida.com |
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FOR THE REAL ESTATE PROFESSIONAL - NATIONWIDE Provide your past, present and future clients with several, unique and extremely beneficial Home owner protection and Credit Restoration Services LET US BE YOUR "FREE" LOAN ASSISTANT and CLOSE UP TO 20% - 50% MORE LOANS THIS YEAR! Our Services are available to the following Real Estate Professionals:
WE CAN HELP ALMOST EVERYONE ! CREDIT RESTORATION SERVICES - NATIONWIDE
Let review the benefits again:
CONTACT US TODAY ! INCLUDE OUR UNIQUE SERVICES FOR YOUR CLIENT'S BENEFIT Telephone: (941) 822 -(HOME) 4663 Email: info@homesteadservicesflorida.com |
"Restoring Dignity to the Consumer and Community" Assisting & Servicing Clients Nationwide |
"Extremely Beneficial Services which enabled us to close
more loans last year while benefiting our clients - We
would highly recommend any broker or loan officer to
take full advantage of their unique & beneficial services"
more loans last year while benefiting our clients - We
would highly recommend any broker or loan officer to
take full advantage of their unique & beneficial services"
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| The inside operations of a Credit Reporting Agency ... So where is your verifiable credit report?? |
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