GOOD CREDIT IN A BAD ECONOMY

IN THE PAST I WORKED IN THE CREDIT INDUSTRY. FOR LACK OF A BETTER TERM I WAS A BILL COLLECTOR BEFORE I STARTED DOING FREELANCE SKIP TRACE. I KNOW MANY FROWN WHEN THEY HEAR "BILL COLLECTOR". I WORKED IN THE INDUSTRY WHEN THE ECONOMY WASN'T AS BAD. THIS IS WHEN PEOPLE COULD PAY OFF THEIR DEBTS BY REFINANCING THEIR HOMES. OR USING THEIR GOOD CREDIT TO GET SIGNATURE LOANS OR CREDIT ADVANCES. DURING THAT TIME PEOPLE DID NOT THINK ABOUT THE GLOOMY ECONOMICAL FUTURE. NOW THAT WE ARE IN SUCH TROUBLING TIMES, MANY WONDER WHY SHOULD I CARE ABOUT MY CREDIT. WHO IS GIVING OUT CREDIT NOWADAYS ANYWAY? THE WAY HOW I LOOK AT IT, THIS IS THE BEST TIME TO START CLEANING UP YOUR CREDIT. LOOK AT IT AS CLEANING UNDER YOUR BED OR YOUR CLOSET. NO ONE IS GOING TO SEE IT ANYWAY. RIGHT. WRONG. YOU MAY NEED TO LOOK FOR THOSE SHOES OR THAT ITEM YOU WANT TO USE AND CANT FIND IT . SAME THING WITH CREDIT, NEED CREDIT? THINK AGAIN, WHO IS GONNA GIVE IT TO YOU IF YOUR CREDIT IS SHITTY? WELL, DO SOME SPRING CLEANING WITH YOUR CREDIT REPORT. ALL THREE CREDIT BUREAUS, EQUIFAX, TRANSUNION, AND EXPERIAN. START WITH GETTING YOUR FREE CREDIT REPORT AND START WITH THE EASIER THINGS TO CLEAN UP. CHARGE-OFFS THAT THE STATUES OF LIMITATIONS HAVE EXPIRED OR ABOUT TO EXPIRE (WITHIN THE 7 YEARS) ALLOT OR CONSUMERS THINK JUST BECAUSE 7 YEARS HAS PAST SINCE A CHARGE OFF HAS OCCURRED ON THEIR CREDIT IT WILL AUTOMATICALLY DISSAPEAR. WRONG. I HAVE SPOKEN TO THOUSANDS OF CONSUMERS IN THE PAST WHO MAKE THIS DAUNTING ASSUMPTION. HAVE YOU EVER PULLED UP YOUR CREDIT REPORT AND SEEN SOMETHING YOU PURCHASED AND DID NOT PAY FOR IN OVER 7 YEARS? I HAVE. I WAS LIKE "WHAT IN THE HELL? I HAD A SEARS CARD FROM 1993 AND IT WAS STILL SHOWING UP ON MY CREDIT. THAT IS UNTIL I DISPUTED IT. I SPOKE TO AN ASSOCIATE OF MINES AND SHE SAID SHE IS STILL GETTING CALLS FOR BILLS SHE INCLUDED IN HER BANKRUPTCY 4 YEARS AGO. SHE SAID SHE NEVER ANSWERS HER PHONE. I TOLD HER NOT TO ASSUME THAT THE CREDITOR KNOWS YOU INCLUDED IT IN YOUR BANKRUPTCY. I TOLD HER THAT A 5 MIN CONVERSATION WITH THE COLLECTOR WILL CLEAR IT UP. I EXPLAINED TO HER THAT HER CREDIT REPORT MAY NOT REFLECT SHE INCLUDED A CHARGE-OFF OR OTHER BILL IN HER BANKRUPTCY. I TOLD HER THAT ALL SHE HAS TO DO IS GIVE THE BANKRUPTCY FILE NUMBER TO THE COLLECTOR, AND THEY SHOULD BE ABLE TO PULL UP THE INFO. THIS IS PUBLIC RECORDS PEOPLE! I ALSO FURTHER EXPLAINED THAT IF SHE DOES NOT WANT TO BOTHER TALKING TO THEM. THEN MAIL A CERTIFIED COPY OF THE DOCS TO THE CREDITOR THAT CLAIMS SHE STILL OWES THE BILL. OR JUST SEND THE SUMMARY PAGE THAT GIVES THE FILING DATE, NAMES INCLUDED ON BK, ATTORNEYS NAME, AND TRUSTEES NAME AND A LIST OF THE CREDITORS THAT WAS INCLUDED IN THE BANKRUPTCY. PEACE OF CAKE. AND IF YOU VERIFIED THAT THEY RECEIVED THE DOCS, THEN THEY CANNOT CALL YOU, THIS IS HARRASMENT. YOU MAY ASK YOURSELF WHY SHOULD I BOTHER DOING THIS, THE COLLECTION AGENCIES SHOULD HAVE THIS INFO. LET ME PUT IT TO YOU THIS WAY. THE PERSON WHO IS IN CHARGE OF YOUR FILE THEY ARE CALLING IN REGARDS TO MAY HAVE OVER 2000 CONSUMERS THEY HAVE TO CONTACT TO PAY THE BILL. THEY DON'T HAVE TIME TO LOOK UP EVERYONE'S INFORMATION TO SEE IF THEY FILED BANKRUPTCY. ALSO, IF YOU DID NO FILE PRO PER, AND HAD AN ATTORNEY, THE ATTORNEY WAS RESPONSIBLE FOR MAKING SURE THE CREDITORS LISTED IN THE BK ARE ALL NOTIFIED. WELL WE KNOW ATTORNEYS DON'T DO WHAT THEY ARE SUPPOSED TO DO.
TAKE A LOOK AT YOUR CREDIT REPORTS, MY SUGGESTION IS TO THIS ONLINE, IT IS THE QUICKEST AND EASIEST WAY TO FILE YOUR DISPUTES. SIMPLY PICK OUT THE CREDITORS OR INCORRECT SURNAMES, OR ADDRESSES AND SELECT A BUTTON AND OUT IN A BRIEF DESCRIPTION OF WHY YOU DON'T OWE THE DEBT. THE CREDIT BUREAUS TAKE CARE OF THE REST. THEY WILL SEND YOU EMAIL NOTIFICATIONS WHEN THE CREDITORS RESPOND OR IF SOMETHING HAS BEEN UPDATED WITH YOUR CREDIT REPORT. FOR UNDER $20 YOU CAN SAVE YOURSELF THOUSANDS IN THE FUTURE BY CLEANING UP YOUR CREDIT NOW. ESPECIALLY IF YOU HAVE ASSETS TO PROTECT, WHETHER THAT IS A HOUSE, YOUR CAR, A HORSE,. ETC. UNLESS YOUR JUDGMENT PROOF. PROTECT YOURSELF. IN THE END IT IS YOUR FAULT AS A CONSUMER IF YOUR FICO SCORE IS 500. IF YOU DO HAVE BILLS YOU KNOW YOU OWE, PAY A LITTLE AT A TIME. I INCREASED MY FICO SCORE BY 100 POINTS SO FAR BY IMPLEMENTING A FEW THINGS I MENTIONED HERE. I AM STILL WORKING ON SOME OTHER THINGS. THE ECONOMY IS NOT GOING TO BE BAD FOREVER. SO WHY NOT WORK ON IT NOW. COLLECTION AGENCIES WILL EVEN WORK WITH YOU TO MAKE A SETTLEMENT PAYMENT. BELIEVE ME THEY DON'T WANT TO KEEP CALLING YOU ABOUT THE SAME DAMN BILL OVER AND OVER AGAIN. STOP BEING SCARED TO PICK UP THE PHONE AND TALK. BECAUSE I AM SURE WHEN ALLOT OF US GOT THOSE CREDIT CARDS WE WAS ALL NICE AND DID NOT MIND GIVING OUT OUR PERSONAL INFO TO GET THAT AMERICAN. LOL. ALSO. YOU MAY NOT HAVE KNOWN THIS LITTLE FACT, BUT AS A CONSUMER YOU ARE ENTITLED TO A FREE CREDIT REPORT 1 A YEAR FROM EACH OF THE ABOVE CREDIT BUREAUS. YOU'VE HEARD THE CATCHY COMMERCIALS FOR FREE CREDIT REPORT.COM.. CHECK THEM OUT AND ANNUAL CREDIT REPORT.COM...BELOW ARE SOME OTHER USEFUL BOOKS THAT WILL HELP YOU JUMP START YOUR CREDIT REPAIR FOR 2010.
HAPPY NEW YEARS
OH YEA PS. WANT TO KNOW SOME OF THE COLLECTION LAWS (EACH STATE IS DIFFERENT) GOOGLE FDCPA..FAIR DEBT COLLECTION PRACTICES ACT

BETTER CREDIT IN 30 DAYS
CREDIT REPAIR TIPS Click Here!
BUST CREDIT CARD DEBT Click Here!
INFORMATIONAL REPORTS, $$ MANAGEMENT MADE EASY Click Here!
SECRETS TO DEBT SETTLEMENT Click Here!
37 DAYS TO CLEAN CREDIT Click Here!


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BETTER CREDIT IN 30 DAYS
CREDIT REPAIR TIPS Click Here!
BUST CREDIT CARD DEBT Click Here!
INFORMATIONAL REPORTS, $$ MANAGEMENT MADE EASY Click Here!
SECRETS TO DEBT SETTLEMENT Click Here!
37 DAYS TO CLEAN CREDIT Click Here!