As we say goodbye to 2022 and ring in the new year, you may have thought about improving your credit so you can achieve your dreams but have just not gotten around to it. Maybe it’s because you are unsure of how to do it or heard those credit repair horror stories. This New Year’s Eve article will hopefully give you a little more direction, and help you find reputable credit repair if you are thinking of hiring a credit repair company.
It is totally possible for you to make a New Year’s resolution that could change your life forever! Continue reading how repairing your credit can help you achieve your dreams, your options, and how to find a good reputable credit repair company to work with. If you are resolved in changing your life this new year, click the button below to request a free consultation with Credit Wellness Solutions.
How Credit Repair Helps You Achieve Your Dreams
We have all been turned down for credit at some point in our lives. Nothing is worse than going to the car dealership or the mortgage broker’s office to receive the bad news. At some point everyone hits a rough patch in their lives financially. Maybe it was an unexpected job loss, or something medical for yourself or having to care for a loved one, or even a divorce. Life happens to everyone.
It could also be that you don’t have enough credit or no credit at all. It could also be that aside from paying your bills on time, you know nothing on how to build and manage credit. Let’s face it, we weren’t taught about credit in school. Finally, it could be because of those surprise medical or other collections that are on your credit report that you did not know existed until you applied for credit. Whatever your situation is, it’s nothing that can’t be overcome through a little bit of credit repair, credit building, and credit education. Imagine yourself by the end of 2023 sitting on the
other side of the car salesman, or mortgage loan officer and hearing the words, “Congratulations, we got you approved!”. All of that is possible and can be achieved this New Year. Let’s take a moment to show you what we have been able to accomplish for our clients here at Credit Wellness Solutions this past year.
In the gallery below, you will see some miscellaneous deletions we have achieved. We also helped one client who was a victim of Identity theft get the fraudulent accounts off of her credit reports!
We have also recovered around $8,000 in debt collection violations. Debt collectors are notorious for breaking the FDCPA (Fair Debt Collection Practices Act). Through our debt collection audit service, we uncovered several debt collection violations, and we can help you discover those violations as well.
We also are in the negotiation stage, or early arbitration stage for a few clients. It is a fun time here and can’t wait to show how we got old charge-off accounts removed, and the settlements or awards we received in arbitration for errors on our clients’ credit reports. We can also help you get paid for errors on your credit reports. Start the new year off right and let us use our pre-litigation credit repair methods for you. Request your FREE Consultation today!
Achieve Your Dreams, Just Like These Clients
Credit Building Client Buys Her First Car
No matter your credit situation, Credit Wellness Solutions can help you achieve your dreams. One example is a wonderful young lady named Summer. When Summer came to us, she had no credit at all. With our many tools and strategies, we were able to take Summer’s credit score from 0 to 750. After about 6 months of her building her own payment history, she was approved by her bank to buy her very first car!
As you can see, Summer has a bright future ahead. With our credit education, and our credit building strategies, Summer has all the tools she needs to have a successful future, and always have credit available to her anytime she needs it. Click the button below to see all of our credit building options or scroll down to request your FREE consultation.
From Denied To Approved: Joey & His Wife Build Their Dream Home
Joey was our very first client. He is a good friend and former co-worker of our CEO. Before Credit Wellness Solutions came to fruition, our CEO was fixing his own credit. Knowing that he was being professionally trained by some of the nation’s premier credit repair experts, and some of the nation’s top consumer attorneys and seeing his success, Joey asked him to help. While reluctant at first, Our CEO agreed to help and with the encouragement of his mentors, Credit Wellness Solutions was born!
Joey and his wife were in a similar situation as our CEO. Medical situations kept them out of work for extended periods of time. Needless to say, having to rely on credit cards to make up the difference, and with medical debt piling up, their credit began to suffer.
Using the Pre-Litigation Credit Repair Methods, and strategies to Audit Debt Collections for FDCPA compliance, Credit Wellness Solutions able to help Joey and his wife purchase their dream home, an off-frame modular home from Factory Direct Modulars. Once Joey’s mortgage credit score went from the high 400’s to 695, Joey applied for his construction loan and was approved, with the help of Atlantic Bay Mortgage and Mark Leclear! He even signed the closing documents with a Credit Wellness Solutions ink pen!
Watch This Video Of Joey’s New Home On YouTube
You Can Fix Your Credit On Your Own & Achieve Your Dreams Through Our Do-It-Yourself Pre-Litigation Credit Repair Program
Contrary to what many credit professionals say, you can achieve your dreams though fixing your credit on you own. Some companies will offer an e-book, and there is a plethora of resources you can find online. However, we caution that many of these resources are based on old, ineffective, and to be honest very flawed methods. We caution you to avoid anything that mentions “609 dispute
letters”, or “609 credit repair”. We have done a couple extensive articles on 609 dispute letters that you can read here and here. The good news is, there are other good resources online, and also Credit Wellness Solutions offers a DIY service that will guide you every step of the way. Even after our FREE initial consultation and extensive training, we will be there for you anytime you need us for support by phone or email. As long as you follow our program, you will also have access to our network of consumer attorneys, and we will still represent you to help you arbitrate against your creditors. To learn more, click the link below.
Finding A Reputable Credit Repair Company To Help You Achieve Your Dreams
We’ve all heard credit repair horror stories, and we all have heard many positive credit repair experiences. Let’s face it, every industry has its scammers. Credit repair happens to be one industry that gets the spotlight more than others. We have done a couple extensive articles to help people find good and reputable credit repair, and shows what a credit repair company should look like. You can read that article here and here,
At Credit Wellness Solutions, we want to put a stop to scammers in our industry. While we cannot catch them and put them in jail ourselves, we can raise public awareness and educate the general public about what a reputable credit repair company is. Here are a few tips and pointers to help you choose the right company to help you achieve your dreams.
- A Credit Repair Company Should Never Charge You Until A Service Has Been Completed – Federal law and many state laws prohibit a credit repair company from collecting fees in advance of services.. Their service agreement should clearly define a service and when it is completed.
- A Credit Repair Company Can Not Perform A Credit Sweep – Credit Sweeps are services that involve getting a client to get a police report and falsely claim identity theft or creating a new credit profile under a different identification number. Both are HIGHLY ILLEGAL and can land both the scammer and the consumer in prison.
- Ask Them How Their Process Works – If a credit repair company mentions anything about section 609 of the FCRA, likely they are using older methods that are no longer effective. Your creditors and the credit bureaus can only report accurate and verifiable information, and can only remove inaccurate information, even if negative. However, not to worry, credit reports are loaded with errors.
- Read Their Reviews – Other consumers can shed light how the company performs.
- The Company Should Offer Credit Education & Credit Building – These are great tools to help you not only improve your credit profile, but to keep a healthy credit profile.
The Choice Is Yours, Take Action Now & Achieve Your Dreams In 2023
If you’ve made it this far, you are likely thinking in your mind, “Can I do this?”. The answer is YES YOU CAN! All it takes is changing your mindset. You may have just gone through a situation, or you have been held back for a number of years because of bad credit. It doesn’t have to be that way. Why not take the leap of faith and take charge of your credit? You can have a healthy credit profile with a little work.
You can get that new car that you need like Summer, or finally get your dream home like Joey. All it takes is some determination, teamwork, and a little knowledge. All you need to do is request a
FREE Consultation with Credit Wellness Solutions. We will be there for you every step of the way. Whether you choose to hire us to do the work for you, or if you decide to take advantage of our DIY service. We believe every American should have access to a good reputable credit repair company that doesn’t see their clients as another number, but as individuals who deserve the best. Your credit profile doesn’t have
to be in charge of you. You can take charge of your credit and achieve your dreams. This New Year, why not make the decision to finally take your credit to a whole new level. Even if you don’t need to make a big purchase, it is still nice to know that you can apply for credit and not have the fear of being denied. Take charge of your credit in 2023 and request your free consultation today! You won’t regret it.
From Credit Wellness Solutions: HAPPY NEW YEAR!
We at Credit Wellness Solutions want to wish you and your family a very safe, prosperous, blessed, and very happy new year. 2022 has been somewhat of a bumpy ride, but together we can make 2023 the best year ever!
