When my wife and I moved into our house in 2005, we were by far the youngest in the neighborhood.
My neighbors are pretty cool, though. Two of them were WW2 vets. The neighbor to my right is Mr. Handyman.
They’re a great bunch who like to have BBQ’s and invite us over.
During one of the first BBQ’s the inevitable question came up… “So, Brian, what do you do for a living?” When I answer, “Credit repair,” there was an awkward silence.
Prior to 1974 consumers weren’t even allowed to see their credit reports. If you were denied a loan due to bad credit, they just told you, “You’re not qualified.”
Con men took advantage of the public’s lack of credit information. They’d promise to fix your credit for $XXXX, then disappear with your money.
Although we have come a long way since then…
* You get a free report every year
* You have the FCRA and FACTA to protect your rights and dispute errors
…There’s still that stigma attached to credit repair. And older generations can’t let go of the past.
If it weren’t for the fact that I am also a US Army veteran, I think they would’ve shunned us forever.
Old people will tell you, “The only thing that can fix a bad credit report is time.”
It ain’t true. However, there are times when credit repair is not your best option.
For example:
1. You can’t pay your bills.
If you can’t pay your bills on time every month, then don’t invest in credit repair. It won’t help you to remove errors if you’re adding new ones.
2. You haven’t learned to be responsible with credit yet.
They say that if you took all the money in the world and distributed it evenly to all the people, within 3 years the rich would be rich again and the poor would be poor again.
Considering how almost every lottery winner ends up bankrupt, there seems to be a grain of truth to this statement.
If you haven’t learned the skills to use credit properly, then fixing your credit isn’t going to help you long term. Get the skills, then use credit repair to help you start fresh.
3. You don’t know the value of credit.
I get angry emails and Facebook messages from people who are shocked that I charge for my services. As if it’s my responsibility to help them get a job or fund their small business dreams so they can provide for their families and some how my family can get by eating mud.
With good credit you can get a high paying job. Your kids to can to the best schools. You can pursue your dreams and enjoy the finer things in life.
The person who helps you get there is worth their weight in gold. If you don’t understand that, then you’re in the wrong place. I can’t help you.
If you find my honesty insulting, then you might fall into one of those 3 categories and you should probably find help elsewhere.
But if you VALUE good credit, are responsible with your money, and you just need help getting back on your feet, then schedule your free credit audit today:
