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A debt-settlement firm is typically a private company that works to settle your debt with a creditor. They may charge fees upfront and promise to help you pay off debt. Beware of debt settlement companies, and if you’re unsure of the difference between a debt settlement company and credit counselor, review this chart by the Consumer Financial Protection Bureau.

The creditors don’t have the time or manpower to negotiate with every one of their customers individually. They work with credit counseling agencies like us to create a set of standard concessions that we may offer to clients when appropriate. The creditors also understand that we provide counseling and education, which makes our clients more likely to succeed in repaying their debts.
If you have impossibly high interest on those credit cards, then do cancel them. It doesn’t help to have open credit cards if the interest rate makes it nearly impossible for you to get the balance down. In fact, banks currently have hardship programs, where they will reduce your interest rate TO ZERO if you agree that they will cancel your cards. Yes, you wll take an immediate hit on your credit score, but that will quickly improve as you pay down your credit cards, which you can now do because you don’t have those usurious interest rates to pay.
With the customer Activity Feed feature you and your staff can post updates or notes on the work performed which will show chronological notes, comments or to do for that customer. Also, separate appointment calendar system, you can track your tasks and to do’s with ease. The user task management feature gives you and your employees the ability to delegate tasks.
When the bureaus and data furnishers receive the dispute and supporting information, they then work with the credit repair company to determine if the item should be removed from your credit report. The major law governing your rights when it comes to credit reporting is the Fair Credit Reporting Act, but it isn’t the only law on your side when it comes to credit repair.
Additionally, the security deposit you use to obtain the card is used if you default on your payment. Using the security deposit means that, even if you default, the card is paid because it’s secured by your funds. As such, the account won’t in collections due to nonpayment. However, this isn’t the case if the balance on which you default is higher than the amount of your security deposit.
You'll probably have a limited amount of money to put toward credit repair each month. So, you'll have to prioritize where you spend your money. Focus first on accounts that are in danger of becoming past due. Get as many of these accounts current as possible, preferably all of them. Then, work on bringing down your credit card balances. Third are those accounts that have already been charged-off or sent to a collection agency.
Our Editorial Policies: The information contained in Ask Experian is for educational purposes only and is not legal advice. Opinions expressed here are author's alone, not those of any bank, credit card issuer or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities. All information, including rates and fees, are accurate as of the date of publication and are updated as provided by our partners.
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We are always here when you need us, and we offer different support channels, including real-time phone support for 5 days a week. Talk with a software specialist from 8:00AM-4: 00 PM Monday – Friday. You can also reach us through any of our other support channels. In free training that we always have with over 100 credit repair companies every two weeks, we discuss various topics that will help you run your business better. We also share best practices of those who are seeing success in the industry and rub shoulders with Million-dollar credit repair companies.
Understand your credit report. The report is made of of your credit history and other financial information. It's used to create your credit score, which is a number. The annual free credit reports won't give you a score, they'll just provide you the information that goes into calculating the score. This is the information you'll get with your credit report:[7]
The Credit Repair Organizations Act, or CROA, makes it illegal for credit repair companies to lie about their services and results, and sets some additional rules. If you think you might be the victim of a credit repair scam, or if you’ve had other issues with a credit repair company, you can submit a complaint to the Consumer Financial Protection Bureau.
Advertiser Disclosure: BadCredit.org is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation from many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across the site (including, for example, the order in which they appear). BadCredit.org does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.
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TurboDispute has opened a gateway in the credit repair business, allowing companies the opportunity to work from any part of the world without bulky networking fees. With a web-based online credit repair software program, there are no maintenance fees or hardware costs, so you can focus on running your credit repair business without the stress and worry of overage charges. Since all you need is internet access, credit repair businesses can now offer their employees at home positions and allow for a flexible work environment within the company. In addition to the affordability of online credit repair software, web-based programs like TurboDispute’s, offers free updates that occur instantly over the web without interruption to your credit repair business.
We agree that it is very important for individuals to be knowledgeable of their credit standing. When you have a credit-monitoring tool like freecreditscore.com on your side, you get e-mail alerts whenever there’s a change in your credit score–and you can also see your credit score whenever you want. With the free credit report from the government, you only see your report once a year. If you monitor your credit score regularly, it’s easier to catch inaccuracies before it’s too late.
Before web-based credit repair software was introduced into the world of technology, credit repair software was downloaded through deliverable disks which were then loaded onto the computer. Many complications and setbacks arose while using the downloadable credit repair software method including its slow extinction in the technical world which made it next to impossible to be updated and kept secure. All of these issues were eliminated when the advancement took place to create a secure and efficient web-based credit repair software program known as SAAS (Software as a service
The cloud-based credit repair software is simply more productive and affordable. Downloadable software can be expensive, unreliable and the prices will only increase as your business grows. But with this cloud-based online software, your company can continue to grow, and you will simply continue the routine of opening a browser and logging in. Aside from its competitive price, you can rest assured you will never experience crashes with 99.9% uptime. You don’t want software that starts bugging out every few days. This program has 99.9% uptime, which means you don’t need to worry about losing time and money. In addition, your data will be backed up on a secure backup server as you work.
Pay off those debts with the highest interest rate first with any extra cash, a strategy called avalanching. You'll pay the amounts needed to keep your current accounts current and use your excess cash flow to pay down past due accounts one by one in the order of the highest interest rate to the lowest. This will save money in the longest run and is the fastest way to reduce your debts.

Start with derogatory marks like collection accounts and judgments. It's not uncommon to have at least one collection account appear on your report. I had two from health care providers I used after having a heart attack; my insurance company kept claiming it had paid while the providers said it had not, and eventually the accounts ended up with a collection agency. Eventually I decided to pay the providers and argue with the insurance company later, but both collections wound up on my credit report.
The SX3 Dispute Wizard DOES NOT use templates with pre-established text; instead, it generates your dispute letters with content automatically taken from a content database (provided with the software and updated regularly) to make each letter "unique", allowing you to pass the e-OSCAR filtering system implemented by the Credit bureaus and reducing the number of "Frivolous Responses".
Your credit score is separate from your credit reports. And your reports don’t include your scores. But, thanks to the Fair Credit Reporting Act, you can get free copies of your credit reports from the three main credit bureaus—Experian, Equifax and TransUnion—once a year. You can access all of your free reports thru AnnualCreditReport.com. Or get your reports directly from Experian, Equifax and TransUnion.
If you’re not disciplined enough to create a budget and stick to it, to work out a repayment plan with your creditors, or to keep track of your mounting bills, you might consider contacting a credit counseling organization. Many are nonprofit and work with you to solve your financial problems. But remember that “nonprofit” status doesn’t guarantee free, affordable, or even legitimate services. In fact, some credit counseling organizations — even some that claim nonprofit status — may charge high fees or hide their fees by pressuring people to make “voluntary” contributions that only cause more debt.
You can improve your FICO Scores by first fixing errors in your credit history (if errors exist) and then following these guidelines to maintain a consistent and good credit history. Repairing bad credit or building credit for the first time takes patience and discipline. There is no quick way to fix a credit score. In fact, quick-fix efforts are the most likely to backfire, so beware of any advice that claims to improve your credit score fast.
The credit repair industry is becoming more important to consumers. The opportunities for growth in this industry are undeniable, and with the right software, you can run your credit repair business more efficiently and grow faster. TurboDispue is a Cloud-based business to business credit repair CRM software that you can access at any time from any device will make you more efficient. You’ll be able to serve clients faster and take on more business, all without sacrificing quality of service. 

Understand your credit score. This number, ranging from 300 to 850, represents your creditworthiness. Software developed by FICO and used by the credit reporting agencies determines the score. The scores between agencies should be similar, but there may be differences. It's important to make sure that your information is correct for each reporting agency.[8]


By clicking 'Submit Information' I agree by electronic signature to: (1) be contacted by credit repair or credit repair marketing by a live agent, artificial or prerecorded voice,and SMS text at my residencial or cellular number, dialed manually or by autodialer, and by email (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use (including this arbitration Provision).
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