Free Credit Counseling

Read Free Credit Restoration Report, Before You Hire A Company

Literally hundreds, if not thousands of credit restoration companies are operating in the United States. Many of them doing a good job of raising credit scores and many of them not. Just as important, many of them grossly over charging for their services.

One of the criteria that should be used when evaluating any company offering credit counseling, should be their willingness to provide educational information at no charge. In other the company needs to be involved in more than sales. Education and credit counseling are at the heart of becoming self empowered to achieve any type of debt help, and have the consumer become self empowered. That includes companies providing credit restoration services.

With this in mind, American Debt Enders has made available at absolutely no charge a credit repair report offering a wealth of valuable information whether you purchase the service or not. We have affiliated with Lexington Law Firm which has provided credit repair services for over 20 years. To get the free report simply visit Credit Restoration Report and click on the banner. You do not have to provide any information whatsoever to get the free report. This report is very extensive and contains thorough information about removal of negative items from credit reports, including removal of public record items such as bankruptcies. Yes, it is possible to have a bankruptcy removed from your credit report. You will read all about it, in the free report.

So, if you have been locked out of the credit markets, due to bad credit because of a past problem, you would be foolish not to at least take advantage of the free report, and at least assess for yourself whether you want to speak with a credit counselor to enter the credit restoration program.

If you would like to subscribe to this newsletter simply click on the FREE Credit Counseling newsletter and leave your email address. The newsletter is free and no one will contact you, and your information is never shared.

Written By:
Steven Ciantro
Certified Credit Counselor
American Debt Enders
877-766-2465
help@americandebtenders.com

American Debt Enders Says New Credit Score To Track You More Closely

In just a few months, your banker will know more about you than your wife! This is not speculation, or wild imaginings, just a simple fact. According to a NY Times article from 12/06/11, entitled, "A Credit Score That Tracks You More Closely", A company called CorLogic has teamed with FICO company, the originators of the FICO credit score now in such wide use to provide much more information on a credit report than is currently available.

What Information? How about things like Payday loans, furniture rental records, utility bill payment history, any and all types of bills that have not been paid in a timely fashion, like a Hotel Bill, etc. CoreLogic has long been in the information business. This is just an expansion of their business, since they are already supplying information on about 100 million consumers. The difference is that this will now be routinely expanded to be a part of your routine credit scoring model, used by all types of lending institutions, not to mention employers.

Fico company is tweaking their proprietary credit scoring formula to accommodate the new data on a routine basis. The present scoring formula will no longer be used.

Should you be concerned? I would say definitely. Are some of these matters really anyone's business? Think about this. It's a cold winter, and ordinarily you pay your utility bill right on time, however, because it has been so cold, this winter you had a few late payments because the price of energy was higher. How is this going to effect your ability to borrow money now? It is going to be one more thing that you have to explain to a lending institution.

Are you seeing what is happening here? Imagine what will be involved in now trying to correct errors on your credit report. This new report will be scouring records of all kinds, to include on your credit report.

I would recommend making sure that your current credit report is free of any errors now, because things are about to get more tightly controlled. That being said, if you have items which need correction, and Credit Restoration, you will want to correct them now.

Click on the previous link or visit our FREE Credit Counseling. and if you enjoyed this article, please feel to subscribe to this FREE newsletter.

Written By
Steven Ciantro
Certified Credit Counselor
American Debt Enders
877-766-2465
Help@americandebtenders.com

Free Credit Counseling-Real Ways To Earn Extra Cash

OK, so it is a bit off topic, but for good reason. Isn't everyone in need of extra cash sources that are not a scam or just absolutely looking to take your money? While doing research for this article, I discovered that people have actually paid down very large debt by using some of these techniques. So, why not you. Consider this my Christmas gift to all of you.

I have found the ultimate, legitimate website for those of you ready to put in just a little time and effort, and start earning extra cash. This site will not make you rich. But, it can definitely make you a few hundred extra dollars per month.

So, rather than overload you with 101 ways to get cash, or Ways to get cash fast, I have found what I believe to be a very focused site, that is easy to use and will definitely help you to make extra cash.

The site is self explanatory, so without further adue, here it is: EARN EXTRA CASH.

If you enjoyed this article and are not currently a subscriber to this FREE CREDIT COUNSELING NEWSLETTER, please click the aforementioned link and simply leave your email address. We never share your information, and it is a free subscription that will help you to become self empowered.

Written By:
Steven Ciantro
Certified Credit Counselor
American Debt Enders
877-766-2465
Help@americandebtenders.com

This Is Guaranteed To Stop Creditor Harassment

With so many consumers falling behind on their unsecured debts, and in many cases completely defaulting. This of course has led to a marked increase in collection activity. All one has to do is look at how many searches are performed daily on "creditor Harassment", and "Exempt Income".

Just think about it. If a collector pulls your credit report and determines that you are not worth suing, then their next only option is to call you on the telephone, and hope to squeeze a payment out of you. Often times violating the Fair Debt Collection Practices Act, also known as the FDCPA.

It is important to note that this act applies to 3rd party debt collectors, and not the original creditor. Although at some point after a default, the original creditor will sell or charge off the debt to a 3rd party debt collector. Usually after 120 to 180 days of non-payment.

Violations of the FDCPA are punishable by fines of up to 1000.00 dollars per occurrence. So, how do I get the money you ask? Well, first you have to have a true provable violation of the act. This is not as difficult as you may think. For example: The law requires that a debt collector disclose the following information in every phone call: 1-The name of their company. 2-The name of the debt collector. (Often Violated) 3-That they are debt collectors. 4-If it is a first communication, they must state that they are debt collectors, and any information obtained will be used for that purpose. (Also often violated).

This is just a tiny sampling of violations. So, how does all this help you? Very simple. Their is a new very specific program called "Collection Protection", which for no money upfront, will enroll you, educate you, and then take your violation cases to court on your behalf, and split the recovery with you! So even if you cannot afford a Debt Consolidation or Debt Settlement Program, you can most definitely afford the FDCPA Violations Program.

If you would like to learn more or would like to enroll, which takes only about 5 minutes on the phone, simply call 877-766-2465, or visit: STOP COLLECTION HARASSMENT.

There you have it. Now you have no excuses not to take control of the situation.

Written By:
Steven Ciantro
Certified Credit Counselor
American Debt Enders
help@americandebtenders.com
877-766-2465

Credit Restoration With This one two Punch

So just how long do you think it takes to raise a credit score? If you listen to all the talking heads, 7 years? or perhaps 10 years? I say How about one year, or less.

Here is how to do a rapid Credit Restoration. First, you need a reputable company, with a heavy track record of having unverified data, including late payments, charge offs, and yes sometimes even bankruptcies removed from your credit report legally. Oh you didn't know that could be done? Well that is due to the fact that you have been listening to the wrong people. I assure you that it can be done. Here is a company that in my opinion is the best in the country at doing it CREDIT RESTORATION WITH LEXINGTON LAW FIRM. For 99.00 dollars down, and 59.00 dollars per month with no contract, you will be well on your way to a higher credit score.

So that was step one, here is step two: There is now an awesome PRE PAID CREDIT CARD from 1st Bank of California, which will report to all 3 credit bureaus, thats, Trans Union, Equifax, and Experian, any recurring bill you pay with it. That includes utility bills, cable bill, cell phones and on and on. This will place a new on time tradeline on your credit report for each bill you pay using it. Awesome. The cost of the card is 29.95 and is directly available at Pre Paid Credit Card

There you have it. The unbeatable, raise your credit score one two punch.

Written By
Steven Ciantro
American Debt Enders
Certified Credit Counselor
help@americandebtenders.com
877-766-2465