Magic Wand of Credit Repair
The Magic Wand of Credit Repair
This is what most people want and many are expecting, but is it possible?
“I just want to pay someone to clean all the negative stuff off my credit report.”
You probably already have someone popping into your mind that thinks this way. I know I have met more than a few.
Everyone loves to fantasize about credit repair being that easy, but most understand that magic wands only exist as toys.
Still, there are more than a few people out there that want to think that because they throw a little money your way to work on their credit, that you are going to deliver to them a totally clean credit report, free of problems and do it tomorrow, even if the information being reported is correct.
These are usually the same people that believe that there is a magic pill to make them go from fat and out of shape to super model over night too. But that’s another story.
Part of the key to disputing items on your credit, and the primary reason pretty much every credit repair company out there focuses on disputing in some way, is that if the company reporting the info can not validate what they are reporting with evidence, then correct or not, the law says it has to be deleted. You basically can only report what you can prove. Disputing is testing their record keeping.
Credit repair companies have been able to remove almost anything from a person’s report at one time or another, even stuff that turned out to be accurate. That is a likely a matter of poor record keeping by the reporting creditor. But it should never be expected. And it is unethical and illegal for a company to guarantee it.
So what are the magic words?
There really are none. There is no magic wand. Run the other way if someone tells you they can fix your credit problems in 30 days, or some other silly claim. You spent you whole life getting your credit to where it is today. It is not going to miraculously get better over night.
Expecting accurate information to be deleted from your report is like going to a doctor with a compound fracture to the arm and asking him or her to magically heal the arm and to remove the scars and all evidence of a broken bone from an X-ray. It is just not going to happen.
However, by correctly setting the bone and giving it proper support, you can make that injury feel better more quickly, reduce the negative effects on your metaphorical broken credit, and be back to using it like nothing was wrong.
If you or anyone you know is facing credit challenges and would like so help, Heartland Credit Restoration is a great place to start. Call or email me for a free consultation. The same goes for those of you who have clients with credit challenges. Forward their contact info to me and I will be happy to give them a free consultation and see what we can do to get them back to you with loan ready credit.
Please share this with your friends and contacts on social media. I also welcome comments and encourage you to feel free to let me know if you have any questions. In the mean time, I hope you have a wonderfully blessed day!