From the comfort of home, people with damaged credit can fix their own credit with free step-by-step, easy-to-understand strategies and secrets from FixMyUglyCredit.com.
Sarasota, FL (PRWEB) November 9, 2006 -- FixMyUglyCredit has launched a free credit repair e-course at www.fixmyuglycredit.com to provide do-it-yourselfers with step-by-step help with fixing their own ugly credit.
People with ugly credit often face embarrassing credit rejection; pay more money in fees for the"privilege" of bad credit loans; and typically do not know how to repair their own damaged credit. The wait is over. Now people interested in repairing their own ugly credit can receive free credit repair.
Mike Payne, a mortgage broker and Realtor, has witnessed frustration and disappointment in people whose dream of home ownership has faded with the news of their bad credit. Now, he's proud to be teamed with a group of seasoned credit repair specialists who are willing to share their credit repair expertise.
"Unfortunately, many people have incorrect information showing up on their credit reports. It's a mistake; it shouldn't be there. But it is there, and it's killing their credit scores. Often, they don't even know they have incorrect information showing up on their reports until they apply for credit. And when it's a mortgage application for a family's dream home, it's devastating," Payne stated.
"People want to know what to do to fix their own ugly credit, and we're going to help them with free credit repair at www.fixmyuglycredit.com,"; stated Payne.
This free credit repair training will teach people:
*How to add "tradelines" or positive accounts to your credit for quick score improvement.
*How to perform a Debt Validation and remove bad credit.
*How to stop collection agencies' deceptive and "strong-arm" tactics.
*How to get help from the Federal Trade Commission & The Fair Credit Reporting Act.
*How to negotiate with your creditors to settle your debts for pennies on the dollar.
*How to negotiate with your creditors to remove -legitimate- bad credit.
*How to use small claims court to remove bad credit...last resort but it works.
Mistakes on credit reports is a huge problem, according to the U.S. Public Interest Research Group (U.S. PIRG), which reports that 79% percent of all credit reports include errors:
*Twenty-five (25%) percent of those reports contain serious enough errors to result in denied credit.
*Thirty percent (30%) of those reports incorrectly report closed accounts as open accounts.
*Fifty-four (54%) of the reports contain personal information that is wrong or inaccurate.
Many people with bad credit don't know their rights. They know even less about bad credit repair or the Fair Credit Reporting Act or the laws protecting them from unscrupulous debt collectors.
It's that clear and simple. If an account reported to a credit reporting agency is not 100% correctly reported, the bad account must get deleted.
With the right information, determination and attitude, people can fix their own ugly credit.
In fact, the Federal Trade Commission advises people to try to fix their own credit - people do not have to search for and pay a legitimate credit repair businesses to do something they can do on their own.
According to the FTC, consumers need to be extremely cautious of advertisements for credit repair in newspapers, on TV and on the Internet. Consumers need to avoid the outrageous claims made by credit repair websites and companies.
"Creating a new credit file with a new tax ID or social security number for the purpose of committing fraud is illegal, yet credit repair scams continue to entice consumers with 'get rich quick' offers," Payne added.
For consumers eager to take charge of their bad credit situation, FixMyUglyCredit will help them to fix their own ugly credit.
For additional information on this free credit repair e-course delivered regularly to your email box, visit http://www.fixmyuglycredit.com.
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