April 9th, 2011
Have you lost your job|income?
Are you behind in your payments?
Are you being inundated with calls from your mortgage company?
Do you need help with an impending FORECLOSURE?
You need to do something about it but you don’t know what??!!!!
Your credit would be trashed if you don’t make the payments or,
worse, you could go into Foreclosure!
You need specialized Foreclosure Help.
Do you know you have options? .. especially if this is your
primary residence! You DO NOT have to file for Bankruptcy!
Your first option would be a You need specialized Mortgage Refinance. But most
home-owners in this situation cannot do a You need specialized Bad Credit Mortgage
Refinance.
You could do a LOAN MODIFICATION if you want to continue to live in the house.
Or a SHORT SALE if you want to move on and still preserve your credit.
However, there are certain conditions that have to be met before the
Bank will work with you on either option! To name a few simple ones…
1. The house has decreased in value, and you now owe more than it is worth
2. Upto 36% of your income can be used for the mortgage payment
Secondly, there is a certain format in which the request needs to be made.
You can even do this yourself. But you need to educate yourself
before you approach your lender, if you want any chance of success.
Check out details at Foreclosure – Loan Modifications
Tags: foreclosure help, loan modification
Posted in Home Loans, Mortgage Refinance Bad Credit, Refinance Mortgage | 4 Comments »
July 28th, 2010
You Can Do It YOURSELF…
Do NOT use Debt Settlement Companies!
————————————————————————-
Are you upto your eyeballs in debt? Are your lines being cut?
Are you worried about how you will come up with enough
for next month’s bills? Are you being inundated with calls
from the Banks?
Settle Your Credit Cards for Dimes on the Dollar!
You Can Do It YOURSELF…
Do NOT use Debt Settlement Companies!
Learn How To Get Credit Card Debt
Reduced To Dimes on the Dollar,
Keep Good Credit, and Start Over
… Without Bankruptcy.
Keep Good Credit, and Start Over
… Without Bankruptcy.
This information may prove to be a great help to you
1) If you have four cards, are you better off
maxing out one, or putting even amounts on all of them?
2) Is it smart to get as many credit cards as possible,
to have a backup in case one is closed or reduced?
Or is this a red flag?
3) What can you do to keep your cards open and active,
when card companies are closing lines? It is always
best not to max out cards. Use up to 40% of the
available lines if you can, and no more.
Each card that is close to limit reduces your FICO score.
So try not to max out or exceed 40% or so on any one card.
Also, don’t let cards sit without a balance. These are cards
the bank may take back.
When I used to work with bank card departments, I found out
how important “card activation” is to them. Activation to
them means getting a card in your hands and getting you to
use it.
If you use all your cards even the ones that are normally
zero balance, you will find that the banks will be more
inclined to keep the card open and not just close it on
you.
You can buy stuff like gift cards. Walmart and some other
stores don’t charge a fee for gift cards. Then you can use
the gift cards, and pay back the balance. And this will
increase your creditworthiness.
The more you borrow and promptly pay back, the better
a feeling the card will get about your ability to
pay.
————————————————————————-
Now, let’s turn to what happens if you are maxed out
and can’t keep making the monthlies.
First, don’t run out of cash. Don’t pay your last
dime and borrow on your 401(k) to make a monthly.
You need cash and don’t run out, okay?
Second, if you stop making your monthlies, at some point
the card companies will begin contacting you and they
will go from friendly to fairly nasty and aggressive.
If you can not let this get to you, there is a
great thing that will happen.
Around month 5 or so after the date you first became
delinquent, you will get a call or message on your
voicemail offering to settle.
50% of the balance is pretty easy. 30% is not hard.
Many times you can do better even.
We had one fellow who explained in great detail how
he ran up $231,000 in cards, and took six months while
he worked more than full time on his regular work,
and settled to $30,000.
A full $201,000 reduction outside of bankruptcy.
So now he is enjoying his life again and is out of
this horrible hole.
The worst thing you can do is make your mortgage
by borrowing on cards. It’s best not to do this at
all.
My message is simple. It is not hard to get out of
crippling obligations no matter how bad things seem.
Most of the time, you can do this without filing for
bankruptcy. You can settle your credit cards for
dimes on the dollar. Many times you can negotiate
so that the card company removes the derogatory
reports on you. Your FICO improves and you are free of
all those obligations and can live life to the fullest.
If you really want to go the extra step, then why
not help others with what you did? You could help
other folks settle their own cards by holding
classes and seminars and one on ones.
So long as you respect the law in your state and
avoid giving specific instructions to people and
don’t get on the phone with their creditors, you
will be delivering information and helping them
help themselves. Why not charge a fee for this
and hold regular “do it yourself” settlement
workshops?
Do you want to learn how to settle your credit
cards for dimes on the dollar, or help the
millions of others who are looking for help?
Transform your life, get off the Plastic Habit, settle
cards for a fraction of what you owe and get a new
start without filing Bankruptcy.
Click Here NOW to find out more details!
Tags: Credit Repair, Fix Bad Credit, fix credit, how to credit, how to fix bad credit, how to repair credit, improve credit, improve credit score, instant credit repair, repair credit
Posted in Credit Repair, Fix Bad Credit, Repair Bad Credit, Repair Bad Credit Yourself | 3 Comments »
July 28th, 2010
Everybody seems to be needing Credit Repair Solutions these days!
You could do either ignore your credit problems and live an All Cash life. Or you could repair your credit and start living a great life!
You could do it yourself or you could pay someone else to do it for you!
Research has shown that you could do a better job of repairing your credit yourself, than the debt settlement and repair companies out there.
All you need is the proper information. When you have this information, getting good credit becomes very easy. You need to learn how to repair bad credit yourself … quicklyand easily.
The Credit Reporting Agencies viz. Equifax, Experian and TransUnion hold the key to your credit future. Knowing how to handle them and the way they report about your credit behavior will help you fix bad credit marks on your report and give you a good credit score.
There are tons of resources out there but I have researched and found these to be the cheapest and easiest (with no fluff) that will get you all the information you need to start talking with your creditors and the credit reporting agencies and get you moving in the right direction.
If you would like more information to help you repair your credit yourself … quickly and easily, then check out Top 10 Ways To Fix Bad Credit Yourself NOW.
Tags: Credit Repair, Fix Bad Credit, fix credit, how to credit, how to fix bad credit, how to repair credit, improve credit, improve credit score, instant credit repair, repair credit
Posted in Credit Repair, Fix Bad Credit, Repair Bad Credit, Repair Bad Credit Yourself | No Comments »
January 17th, 2010
There is a simple system for Instant Credit Repair and Credit Restoration that shows you in easy steps how to Fix Bad Credit Fast overnight and Increase Your Credit Score To Over 700 Immediately. Let me clarify for you a few things you need to know about Credit.
DO YOU WANT TO LEARN HOW TO FIX BAD CREDIT FAST & GET A 780 CREDIT SCORE POSTING ON YOUR CREDIT REPORT TOMORROW? You can do self credit repair .. you don’t need to pay anyone thousands of Dollars to improve your credit. You just need some crucial information that will allow you to do a little instant credit repair and fix your credit score …. easily …. by yourself! ….using the best Credit Secrets Bible ever written!
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Have you heard of CPN? CPN stands for Credit Profile Number.
CPN is the term the insiders use and is the number that determines your true credit score. By maneuvering your CPN, you can learn how to improve bad credit immediately …. by Permanently Repairing Your Credit or getting New Credit. The simple way is to Add Trade-Lines, Credit Blocking, Freeze Your Credit, defeat the Chex System; stuff you never even knew existed. Stuff that most attorneys don’t know either!
By getting a better CPN, you can quickly and easily Obtain a Higher Credit Score Faster Than Anything The Planet Has Ever Seen. There are a few simple forms and documents. These are the same forms used by attorneys and specialists who would charge your thousands of dollars for the exact same service! Now you could do it yourself and save the money but you would need the detailed information and THE forms.
Attorneys who have been seriously helping their clients know about CPN – they know this CPN system is the key to drastically improve their clients’ credit (repair & restoration) and that this is the knowledge that made their business skyrocket. The CPN system of credit repair and restoration is 100% failproof.
Once you learn about CPN, you could use this new found knowledge to start your own business and wildly profit as a Service Provider. Imagine having a business with an unending supply of customers?! Clients with bad credit are so overwhelmed with everything that is failing around them, and they need trustworthy and confident people to help them maneuver their FICO credit score and put them on the fast track to normalcy!
This easy to learn CPN system would educate both the client and the service provider to quickly and easily get instant credit repair and credit restoration! This information is such a big secret that the big credit companies don’t want you to get your hand on it. But now that you know about CPN, you can check out more details about the Credit Secrets Bible that spills the beans about CPN.
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Posted in Credit Repair, Fix Bad Credit, Repair Bad Credit, Repair Bad Credit Yourself | 113 Comments »
