Believe it or not, you actually hold the upper hand when it comes to Mortgage Loan Modification in this situation. Your lender will have to pay a very high price to foreclose on your home. Added to this, is the mounting pressure from other companies and organizations for your lender to be more lenient with you in these hard times.
Think of all the memories your home holds for you. Do you recall the lazy days lying around or watching the children play. Maybe you have experienced countless emotions. Whether you have been happy, sad or angry, your home is something that you don't want to lose!
Your lender is not in the business of selling homes. The additional costs and fees associated with foreclosure will leave your mortgage provider looking for other suitable solutions.
With a Mortgage Loan Modification plan, you can reduce your payments for a period of 5 years to something far more affordable. The government can even reduce your mortgage principle in that time. This is a win-win situation for both parties. You get to keep your home, lower your repayments and have your mortgage balance reduced. Your lender doesn't have to go through the effort of trying to foreclose and sell your home and still receives some form of payment from you.
However, with a solution, there is usually always another problem right around the corner. Many people in your circumstances, resort to contacting attorneys, companies and specialists in mortgage foreclosure and loan modification. The fees that you can expect to pay can be astronomical and maybe even push you into further debt.
Some Loan Modification Companies have been reported to charge anywhere between $1500 - $5000 to perform this service. So this, of course, has led the way for certain individuals to fight back and complete the Mortgage Loan Modification process on their own.
If you need a step-by-step system and don't have up to $5000 to spend on Mortgage Loan Modification fees and charges then Click Here to see what other people who have "done it themselves" have to say.
Monday
Discover What the Obama Loan Modification Programs and the 31 Percent Rule Can Do For You
Loan Modification Programs aren't something new, but many will argue the old system wasn't structured properly to work. A recent example of this is - over half of the loans modified in the US from January to March 2008 defaulted on their modified loan before the end of the year.
What Exactly is Loan Modification?
As you are well aware the economy has taken a huge downturn over the last couple of years. This has had an undesired effect for many homeowners. People find their loans are at risk and the possible threat of foreclosure. This is where lenders will offer lower monthly repayments and set terms and conditions on your home loan for a specified period of time. However, with no real structure in place, this was doomed to fail.
The Obama administration unveiled their new program on Wednesday 4th March 2009. This program planned to restructure home loans and save millions of Americans from foreclosure.
So What is the 31% Rule?
The program requires lenders to reduce your monthly mortgage repayments to no more than 38% of your gross monthly income. The government will then fund the remainder, to bring your payments down by a further 7%. This would mean that your monthly mortgage repayments would be no more than 31% of your total gross monthly income.
In order for your lender to achieve this, they would first need to lower the interest rate on your loan and possibly extend the term of your mortgage. They have the ability to lower the interest rate to 2% and extend your term up to 40 years. However, even after all these alterations, if you are still paying above 31% threshold, the lender can merely claim payments for your principle balance and will charge no interest.
For you to secure help to join one of these Programs, you will usually need to approach a Loan Modification Company. Although, many people have reported savings in excess of $500 per month on their mortgage payments, others have told horror stories of the fees that some of these companies charge.
What Exactly is Loan Modification?
As you are well aware the economy has taken a huge downturn over the last couple of years. This has had an undesired effect for many homeowners. People find their loans are at risk and the possible threat of foreclosure. This is where lenders will offer lower monthly repayments and set terms and conditions on your home loan for a specified period of time. However, with no real structure in place, this was doomed to fail.
The Obama administration unveiled their new program on Wednesday 4th March 2009. This program planned to restructure home loans and save millions of Americans from foreclosure.
So What is the 31% Rule?
The program requires lenders to reduce your monthly mortgage repayments to no more than 38% of your gross monthly income. The government will then fund the remainder, to bring your payments down by a further 7%. This would mean that your monthly mortgage repayments would be no more than 31% of your total gross monthly income.
In order for your lender to achieve this, they would first need to lower the interest rate on your loan and possibly extend the term of your mortgage. They have the ability to lower the interest rate to 2% and extend your term up to 40 years. However, even after all these alterations, if you are still paying above 31% threshold, the lender can merely claim payments for your principle balance and will charge no interest.
For you to secure help to join one of these Programs, you will usually need to approach a Loan Modification Company. Although, many people have reported savings in excess of $500 per month on their mortgage payments, others have told horror stories of the fees that some of these companies charge.
How Barack Obama's Modification of Your Mortgage Can Really Help Those Suffering Financially
The New Mortgage Loan Modification Programs were introduced by the Obama administration in March 2009. For those of you struggling to meet your monthly repayments and with the threat of possible foreclosure hanging over you, this could be just the thing you are looking for.
With the agonizing recent recession and slump in housing prices, this has had a huge effect on millions of Americans. The Obama Loan Modification process has been introduced to help you through these hard times.
So what help is the government offering exactly?
Should you own and live in your mortgaged property and have a loan balance of below $729,750 you may be eligible. The government are looking to streamline your payments for up to five years. This may involve lowering the interest rate or extending the term of your mortgage.
For those of you suffering financial hardship and wishing to participate in this plan, you will be required to write and sign a letter stating such and if your overall debts are above 55% of your income, you will have to agree to take part in credit counseling. The final criteria to be eligible is that you must haven taken your loan out prior to January 1st 2009.
The process is a very rigorous form of verification, involving proof of ownership, proof of income and expenditure, through supplying relevant documents. Many industry experts believe that if these plans had been brought in a few years ago, then perhaps the current housing crisis could have been avoided altogether.
There are many companies who can help you through the legal and financial aspects for the Modification of your mortgage.
However, some Loan Modification Companies have been reported to charge anywhere between $1500 - $5000 to perform this service. So this, of course, has led the way for certain individuals to fight back and complete the procedures on their own. To learn how you can complete this process yourself Click Here.
With the agonizing recent recession and slump in housing prices, this has had a huge effect on millions of Americans. The Obama Loan Modification process has been introduced to help you through these hard times.
So what help is the government offering exactly?
Should you own and live in your mortgaged property and have a loan balance of below $729,750 you may be eligible. The government are looking to streamline your payments for up to five years. This may involve lowering the interest rate or extending the term of your mortgage.
For those of you suffering financial hardship and wishing to participate in this plan, you will be required to write and sign a letter stating such and if your overall debts are above 55% of your income, you will have to agree to take part in credit counseling. The final criteria to be eligible is that you must haven taken your loan out prior to January 1st 2009.
The process is a very rigorous form of verification, involving proof of ownership, proof of income and expenditure, through supplying relevant documents. Many industry experts believe that if these plans had been brought in a few years ago, then perhaps the current housing crisis could have been avoided altogether.
There are many companies who can help you through the legal and financial aspects for the Modification of your mortgage.
However, some Loan Modification Companies have been reported to charge anywhere between $1500 - $5000 to perform this service. So this, of course, has led the way for certain individuals to fight back and complete the procedures on their own. To learn how you can complete this process yourself Click Here.
Saturday
How to Improve My Credit Score After a Default?
Firstly, it is great that you are looking to improve your credit rating. We can all be irresponsible with our money at times. The trick is to learn from your mistakes and understand what you need to do to move forward. I'm sure many of you have asked the question, "How To Improve My Credit Score After A Default", so let's try and answer that for you.
It may not be something you want to hear initially, but often time is the greatest healer when it comes to improving your credit score. In the main, a default will show on your credit file for up to 6 years. This, of course, will severely impact on your ability to secure credit. However, it must be said that there are lenders out there that will lend to applicants with a default. Although, you must be aware that you will undoubtedly be charged a higher rate of interest for credit, than if you had a clean record.
You have the opportunity to check your credit reports for free once a year. So make sure you take advantage of this. Check that your records are up to date and free of any errors. You will find the longer that you have lived at your current address or the longer you have been with your current employer, will have a positive effect on improving your credit score after a default.
During the times that you don't require any credit, please ensure that you keep your finances intact. Always try and stay within your agreed overdraft limit and look to pay your monthly repayments and bills on a timely basis. Any potential lender will always look at your most recent credit history. Even if you have a default registered and a low credit score, the way you manage your accounts after the event will have certain repercussions. By making repayments in full and on time, this will help to improve your credit score and will also show lenders that you now have your finances under control.
There are many differing means and methods to improve your credit score. Don't ever think that having a default registered against you is the end of the world.
You may want to check out how high spending ex college student Chris Brisson went about raising his credit score by 135 points in 37 days. This was with defaults and late-pays registered against him.
It may not be something you want to hear initially, but often time is the greatest healer when it comes to improving your credit score. In the main, a default will show on your credit file for up to 6 years. This, of course, will severely impact on your ability to secure credit. However, it must be said that there are lenders out there that will lend to applicants with a default. Although, you must be aware that you will undoubtedly be charged a higher rate of interest for credit, than if you had a clean record.
You have the opportunity to check your credit reports for free once a year. So make sure you take advantage of this. Check that your records are up to date and free of any errors. You will find the longer that you have lived at your current address or the longer you have been with your current employer, will have a positive effect on improving your credit score after a default.
During the times that you don't require any credit, please ensure that you keep your finances intact. Always try and stay within your agreed overdraft limit and look to pay your monthly repayments and bills on a timely basis. Any potential lender will always look at your most recent credit history. Even if you have a default registered and a low credit score, the way you manage your accounts after the event will have certain repercussions. By making repayments in full and on time, this will help to improve your credit score and will also show lenders that you now have your finances under control.
There are many differing means and methods to improve your credit score. Don't ever think that having a default registered against you is the end of the world.
You may want to check out how high spending ex college student Chris Brisson went about raising his credit score by 135 points in 37 days. This was with defaults and late-pays registered against him.
Are These Offers That Provide Unsecured Personal Loans For Poor Credit All They're Cracked Up to Be?
With the downturn in the world's economy, it appears more and more people now have a bad credit rating than ever before. You would think borrowing money would be more difficult now, but it seems this is when you become inundated with offers of Unsecured Personal Loans For Poor Credit.
Are the companies and organizations that offer these deals, what they actually appear to be, or are they trying to hide some dark secret from you. In all honesty, if you have bad credit score, or defaults/judgements registered against or even a bankruptcy, you cannot expect to be offered the same terms and conditions as when you had a clean record. However, this does not mean that unscrupulous lenders should be able to take advantage of your situation by charging excessively high interest rates.
This is when it may be more appropriate to educate yourself in the way that lenders think, prior to approaching them for a loan. A program that i have recently reviewed is My Miracle Loans. My Miracle Loans is a program that teaches it's members a number of different strategies on how to approach a lender during these trying times. They promise that as long as you thoroughly research and understand the techniques they teach you, once you put them into practice, you are 100% guaranteed a loan.
My Miracle Loans have a different approach for every situation. There is no one method to use. Depending on your personal circumstances, they can provide help for you:-
- Bad Credit
- No job or income
- Student
- Bankruptcy
- Very Low Credit Score
- Been turned down before
And not just Unsecured Personal Loans For People With Poor Credit, they can help you secure a loan or home finance for any purpose.
If you are struggling and not sure where to turn and you are looking for an Unsecured Personal Loan For Poor Credit, then please read my full review on My Miracle Loans and discover how to ease your financial troubles today.
Are the companies and organizations that offer these deals, what they actually appear to be, or are they trying to hide some dark secret from you. In all honesty, if you have bad credit score, or defaults/judgements registered against or even a bankruptcy, you cannot expect to be offered the same terms and conditions as when you had a clean record. However, this does not mean that unscrupulous lenders should be able to take advantage of your situation by charging excessively high interest rates.
This is when it may be more appropriate to educate yourself in the way that lenders think, prior to approaching them for a loan. A program that i have recently reviewed is My Miracle Loans. My Miracle Loans is a program that teaches it's members a number of different strategies on how to approach a lender during these trying times. They promise that as long as you thoroughly research and understand the techniques they teach you, once you put them into practice, you are 100% guaranteed a loan.
My Miracle Loans have a different approach for every situation. There is no one method to use. Depending on your personal circumstances, they can provide help for you:-
- Bad Credit
- No job or income
- Student
- Bankruptcy
- Very Low Credit Score
- Been turned down before
And not just Unsecured Personal Loans For People With Poor Credit, they can help you secure a loan or home finance for any purpose.
If you are struggling and not sure where to turn and you are looking for an Unsecured Personal Loan For Poor Credit, then please read my full review on My Miracle Loans and discover how to ease your financial troubles today.
Friday
5 Top Tips To What Makes A Great Loan Modification Hardship Letter
A well thought out and well written Loan Modification Hardship Letter can be the difference between success and failure when making a loan modification application. You must remember ever since the Obama Administration announced the new Loan Modification Plans And Programs back in March 2009, the majority of lenders have been inundated with applications.
So your letter needs to be clear, concise and if at all possible as unique as you can:-
1) Don't make excuses. Just describe in detail what the hardship is and why you are in this situation.
2) State what you have tried to do to overcome your current financial hardship.
3) You need to fully emphasize to your lender how important it is to you that you and your lender work together to resolve any problems.
4) Explain what your plans are to get yourself back on track with your mortgage repayments.
5) Don't beat around the bush. Be very clear and get to the point.
The Hardships that lenders will accept:-
- Death of a family member or the person who pays the mortgage
- Divorce
- Loss of your Job or Relocation
- Due to a reset variable rate your monthly mortgage repayments have increased
So your letter needs to be clear, concise and if at all possible as unique as you can:-
1) Don't make excuses. Just describe in detail what the hardship is and why you are in this situation.
2) State what you have tried to do to overcome your current financial hardship.
3) You need to fully emphasize to your lender how important it is to you that you and your lender work together to resolve any problems.
4) Explain what your plans are to get yourself back on track with your mortgage repayments.
5) Don't beat around the bush. Be very clear and get to the point.
The Hardships that lenders will accept:-
- Death of a family member or the person who pays the mortgage
- Divorce
- Loss of your Job or Relocation
- Due to a reset variable rate your monthly mortgage repayments have increased
Thanks For The Help Obama But Are You Willing To Pay $5000 For The Modification Of Your Mortgage?
Since the Obama Administration introduced the new Loan Modification Plans on Wednesday 4th March 2009, many people have gone about planning the changes to their mortgages.
However, one stumbling block seems to get in everyone's way! The process of approaching your lender for the Modification of Your Mortgage usually requires a middleman. This is when the help of specialized attorneys, Loan Modification companies and professionals is required.
How much do these services cost you?
Well, you could be looking at anywhere from $1500 to $5000. Now, the way i see things, if you had that kind of money freely available you probably wouldn't need to approach your lender.
The actual plan of the Obama administration is to help out the 4 million plus Americans, who have either fallen behind with their monthly mortgage repayments or to those unfortunate enough to be facing foreclosure.
The help you will be offered is over a five year period. You mortgage principle can be reduced by up to $5000. Your interest rate can be dropped to as low as 2% and the term of your home loan can be extended up to a maximum of 40 years.
This certainly is a fantastic helping hand to those suffering financial hardship and looking to modify their mortgage repayments, but once again, you are faced with the fees and charges to get the ball rolling.
I knew it wouldn't be long before someone had to go through this whole process and then worked out a way of doing it for themselves! You are undoubtedly looking for no huge fees, no additional charges, just some guidance on how to approach the Loan Modification process. Hence the birth of the DIY Loan Modification Kit!
With the help of this kit, you can learn to:-
- Lower your interest rate and your payment
- Reduce the principal balance
- Convert to a fixed rate for peace of mind
- Have all late fees and charges removed from your record
- Stop the Foreclosure process
Click Here For More Info On The Do-It-Yourself Loan Modification Kit
What have some of the people who have used the DIY Loan Modification Kit got to say:-
"Thanks to the Do-It-Yourself Loan Modification Kit I was able to save my home! I had to stick to it for 3 months and really put my head down, but it was well worth it in the long run. I will be the first one to say it wasn't easy, but if you are struggling to make ends meet, it is definitely worth it. I ended up with a 40yr term at 4.5% reducing my mortgage over $1000 per month! I talked to a loan modification company before I chose the kit, but they wanted $3,500 upfront. I weighed my options and for only $29.95 I knew exactly what I was going to receive! And If I couldn't get the loan modification done myself at least I had peace of mind that I didn't waste $3,500."
Ted Basil, Syracuse, NY
"We have been in our home for 3 years and I think we were given the wrong mortgage. We got behind, but your kit showed us how to make our lender listen! We are now in a mortgage that we can afford. Our entire family appreciates you and the information that you provide."
Paul and Brenda Keen, Danbury, CT
"I was over $10,000 behind on my mortgage. My rate had just adjusted to 13.25%! Using your kit, I was able to negotiate the following: 13.25% adjustable rate was taken to an 8% fixed!And, get this... the lender allowed me to have the $10,000 I was behind, rolled onto the back of my loan!My new payment including taxes and insurance, is $300 less than what my previous payment was, and that's not including the taxes and insurance!!!
Thank you, Thank you, Thank you!"
Vivian Stephens , Dallas, TX
Click Here For More Info On The Do-It-Yourself Loan Modification Kit
However, one stumbling block seems to get in everyone's way! The process of approaching your lender for the Modification of Your Mortgage usually requires a middleman. This is when the help of specialized attorneys, Loan Modification companies and professionals is required.
How much do these services cost you?
Well, you could be looking at anywhere from $1500 to $5000. Now, the way i see things, if you had that kind of money freely available you probably wouldn't need to approach your lender.
The actual plan of the Obama administration is to help out the 4 million plus Americans, who have either fallen behind with their monthly mortgage repayments or to those unfortunate enough to be facing foreclosure.
The help you will be offered is over a five year period. You mortgage principle can be reduced by up to $5000. Your interest rate can be dropped to as low as 2% and the term of your home loan can be extended up to a maximum of 40 years.
This certainly is a fantastic helping hand to those suffering financial hardship and looking to modify their mortgage repayments, but once again, you are faced with the fees and charges to get the ball rolling.
I knew it wouldn't be long before someone had to go through this whole process and then worked out a way of doing it for themselves! You are undoubtedly looking for no huge fees, no additional charges, just some guidance on how to approach the Loan Modification process. Hence the birth of the DIY Loan Modification Kit!
With the help of this kit, you can learn to:-
- Lower your interest rate and your payment
- Reduce the principal balance
- Convert to a fixed rate for peace of mind
- Have all late fees and charges removed from your record
- Stop the Foreclosure process
Click Here For More Info On The Do-It-Yourself Loan Modification Kit
What have some of the people who have used the DIY Loan Modification Kit got to say:-
"Thanks to the Do-It-Yourself Loan Modification Kit I was able to save my home! I had to stick to it for 3 months and really put my head down, but it was well worth it in the long run. I will be the first one to say it wasn't easy, but if you are struggling to make ends meet, it is definitely worth it. I ended up with a 40yr term at 4.5% reducing my mortgage over $1000 per month! I talked to a loan modification company before I chose the kit, but they wanted $3,500 upfront. I weighed my options and for only $29.95 I knew exactly what I was going to receive! And If I couldn't get the loan modification done myself at least I had peace of mind that I didn't waste $3,500."
Ted Basil, Syracuse, NY
"We have been in our home for 3 years and I think we were given the wrong mortgage. We got behind, but your kit showed us how to make our lender listen! We are now in a mortgage that we can afford. Our entire family appreciates you and the information that you provide."
Paul and Brenda Keen, Danbury, CT
"I was over $10,000 behind on my mortgage. My rate had just adjusted to 13.25%! Using your kit, I was able to negotiate the following: 13.25% adjustable rate was taken to an 8% fixed!And, get this... the lender allowed me to have the $10,000 I was behind, rolled onto the back of my loan!My new payment including taxes and insurance, is $300 less than what my previous payment was, and that's not including the taxes and insurance!!!
Thank you, Thank you, Thank you!"
Vivian Stephens , Dallas, TX
Click Here For More Info On The Do-It-Yourself Loan Modification Kit
Thursday
What's All This About Mortgage Loan Modification Plans?
The Government has now come up with two plans to help people who have missed payments on their mortgage and are struggling. In this article i wish to introduce you to the one that is called a Loan Modification plan. To qualify, you need to meet the following criteria:-
- Your original mortgage loan cannot be greater than $729,000
- Your mortgage must have completed prior to January 1st 2009
- You will be required to provide proof of your income and expenditure, through payslips, tax returns and bank statements
- If your total debts are in excess of 55% of your income, you have to agree to visit credit counselling
- Finally, you must be living in the mortgaged property and will be required to write a letter in your own handwriting stating that you are in financial hardship
So what can your lender do for you in this situation?
- They can lower your monthly repayments to approximately a third of your monthly income.
- Interest has been known to be dropped to as low as 2%.
- You don't need to pay any fees for the modification as these are covered by the government
- The government are able to reduce your balance by up to $5000 over 5 years as long as you make your payments on time
- Your rate is reduced for the period of 5 years, so you may have to pay more after this period
- You are only ever allowed one modification
Loan Modification Companies have been reported to charge anywhere from $1500 - $5000 to help you with this process. If you don't have that kind of "spare" cash lying around, you will need to complete a "Do-It-Yourself" Loan Modification.
- Your original mortgage loan cannot be greater than $729,000
- Your mortgage must have completed prior to January 1st 2009
- You will be required to provide proof of your income and expenditure, through payslips, tax returns and bank statements
- If your total debts are in excess of 55% of your income, you have to agree to visit credit counselling
- Finally, you must be living in the mortgaged property and will be required to write a letter in your own handwriting stating that you are in financial hardship
So what can your lender do for you in this situation?
- They can lower your monthly repayments to approximately a third of your monthly income.
- Interest has been known to be dropped to as low as 2%.
- You don't need to pay any fees for the modification as these are covered by the government
- The government are able to reduce your balance by up to $5000 over 5 years as long as you make your payments on time
- Your rate is reduced for the period of 5 years, so you may have to pay more after this period
- You are only ever allowed one modification
Loan Modification Companies have been reported to charge anywhere from $1500 - $5000 to help you with this process. If you don't have that kind of "spare" cash lying around, you will need to complete a "Do-It-Yourself" Loan Modification.
Click Here for More Info On The Do-It-Yourself Loan Modification Kit
Is Getting A Loan With Bad Credit Really That Hard?
Have you ever wondered why lenders seem to treat people with a bad credit history so badly? If you have bad credit and apply for a loan, you know, generally you're going to be declined or charged some extortionate rate of interest.
You simply want any potential lender to recognise that you haven't always had a bad credit history. You probably had a decent credit rating once, then, unfortunately some unforseen circumstance or an inevitable event forced you into having your credit record damaged.
However, what guarantee does a lender have that someone who has a perfect credit rating now, may not default on that loan at some time in the future. Circumstances change, things happen and nothing can be 100% guaranteed. It seems as though you are still being punished for what happened in the past.
Lenders have now started to notice, with the rising number of people falling in debt and bad credit, it no longer makes sense not to conduct business with everyone, good credit, bad credit or otherwise. Many specialized loans, credit cards and products have spread through the financial marketplace. You can now get a bad credit loan for a wide variety of purposes. Car Loans, Holiday Loans, Debt Consolidation loans.
A lender may ask for you to put up some form of collateral or asset as security against your loan. This can work well for both parties. A lender has some form assurance by way of an asset, usually your home...and as the borrower who has a bad credit history, in can be a case of once bitten, twice shy. You have been through the hell of bad credit, and all it brings, once. So why would you wish to lose an asset such as your home by making the same mistakes again.
Getting a Loan with bad credit without having to provide any collateral is possible as well. Usually an unsecured loan is only ever offered to people with a great credit rating. Some lenders may accept a borrower with a bad credit history, but you can usually expect to pay a higher rate of interest and sometimes you may be asked to pay a high fee and have to adhere to some near impossible terms of repayment.
Despite that, don't worry, there are lenders out there who will charge a reasonable rate of interest to those wih bad credit. Prior to approaching a lender or even an intermediary company for help, there are a few things you need to consider - You must decide exactly how much you need to borrow. Then the exact dispersal of your loan. Maybe, some of your loan is to consolidate some other debts, while some is to pay some bills and some is merely for pleasure. Then you need to work out an affordable budget and timescale to repay the loan. You don't want to fall into the same trap again of missing payments and eventually defaulting on a loan.
Once you have calculated all this, then you can approach a lender to find out if they can offer a loan that fits within your criteria. Finally, if you have managed to secure that all important loan, this will do wonders for your credit rating. By making your payments in full and on time, this will help to repair that bad credit history.
You simply want any potential lender to recognise that you haven't always had a bad credit history. You probably had a decent credit rating once, then, unfortunately some unforseen circumstance or an inevitable event forced you into having your credit record damaged.
However, what guarantee does a lender have that someone who has a perfect credit rating now, may not default on that loan at some time in the future. Circumstances change, things happen and nothing can be 100% guaranteed. It seems as though you are still being punished for what happened in the past.
Lenders have now started to notice, with the rising number of people falling in debt and bad credit, it no longer makes sense not to conduct business with everyone, good credit, bad credit or otherwise. Many specialized loans, credit cards and products have spread through the financial marketplace. You can now get a bad credit loan for a wide variety of purposes. Car Loans, Holiday Loans, Debt Consolidation loans.
A lender may ask for you to put up some form of collateral or asset as security against your loan. This can work well for both parties. A lender has some form assurance by way of an asset, usually your home...and as the borrower who has a bad credit history, in can be a case of once bitten, twice shy. You have been through the hell of bad credit, and all it brings, once. So why would you wish to lose an asset such as your home by making the same mistakes again.
Getting a Loan with bad credit without having to provide any collateral is possible as well. Usually an unsecured loan is only ever offered to people with a great credit rating. Some lenders may accept a borrower with a bad credit history, but you can usually expect to pay a higher rate of interest and sometimes you may be asked to pay a high fee and have to adhere to some near impossible terms of repayment.
Despite that, don't worry, there are lenders out there who will charge a reasonable rate of interest to those wih bad credit. Prior to approaching a lender or even an intermediary company for help, there are a few things you need to consider - You must decide exactly how much you need to borrow. Then the exact dispersal of your loan. Maybe, some of your loan is to consolidate some other debts, while some is to pay some bills and some is merely for pleasure. Then you need to work out an affordable budget and timescale to repay the loan. You don't want to fall into the same trap again of missing payments and eventually defaulting on a loan.
Once you have calculated all this, then you can approach a lender to find out if they can offer a loan that fits within your criteria. Finally, if you have managed to secure that all important loan, this will do wonders for your credit rating. By making your payments in full and on time, this will help to repair that bad credit history.
Debt Consolidation Loans For Bad Credit To Delay The Further Worsening Of Credit
The importance of debt consolidation loans can be best understood by people who are suffering with bad credit history. Debt consolidation loans for people with bad credit provides a manner in which they can prevent their financial condition and credit status from further deteriorating.
A debt consolidation loan replaces several small and big debts that a particular person might have incurred. Under this arrangement, a single loan is used to repay all debts of the borrower. Since the loan taken at this instance is not immediately repayable, borrowers get enough time to prepare for repayment.
Borrowers are referred to as bad credit when they have defaulted on debts in the past. Mortgage arrears, County Court Judgements, Individual Voluntary Arrangements, all count towards tarnishing the borrowers’ credit history. Credit history of borrowers is referred to in order to get data about the credibility that a borrower enjoys. A bad credit history would thus imply that the borrower has lesser credibility and thus make him a bad case for debt consolidation loans.
This however is not so. Borrowers with bad credit history are also considered for debt consolidation loans. The logic behind this is that by taking debt consolidation loan, the borrower with bad credit history is making positive efforts to change his/ her credit status. Thus, debt consolidation loan is readily available to people with bad credit history.
A slightly higher interest payment is what you are required to make on the debt consolidation loan if you have a bad credit history. You however need to distinguish between lenders who are charging the justifiable rates of interest and those who aren’t. The task is not as difficult. Just see what other lenders are offering to borrowers with similar circumstances. If that is not enough, you can request a select group of lenders to send their debt consolidation loan quote. The quote provides information about the rate of interest that will be charged, the period for which the loan will be offered and other important terms on which the loan will be granted. It is certain that on comparison, a few quotes will be rejected and some will be selected for further screening through several processes.
Once a debt consolidation loan provider is selected, the process of eliminating debts is initiated. The first step in any debt settlement process will be to make a list of the debts. The list must be as exhaustive as possible so that all debts are included.
The list of debts with the persons to whom each debt is due and the interest rate that each carries will be supplied to the loan provider. Debt consolidation loans have a special feature that borrowers are guided in the debt settlement process. The guiding principle of every debt settlement process is to save maximum for the debtor. Only through a proper negotiation can creditors be forced to write off a particular debt or a part of it. Borrowers do not have the necessary time and skills to make this happen. Thus, the service of the debt consolidation loan provider becomes necessary.
Debt consolidation loans come in either of the two forms, i.e. secured and unsecured loans. A secured debt consolidation loan is one in which the repayment is backed by a collateral. An unsecured debt consolidation loan, on the other hand, has no direct stake on any asset. There are subtle differences in the rates of interest and other terms that make secured debt consolidation loans more preferred in spite of the risk on assets.
A debt consolidation loan replaces several small and big debts that a particular person might have incurred. Under this arrangement, a single loan is used to repay all debts of the borrower. Since the loan taken at this instance is not immediately repayable, borrowers get enough time to prepare for repayment.
Borrowers are referred to as bad credit when they have defaulted on debts in the past. Mortgage arrears, County Court Judgements, Individual Voluntary Arrangements, all count towards tarnishing the borrowers’ credit history. Credit history of borrowers is referred to in order to get data about the credibility that a borrower enjoys. A bad credit history would thus imply that the borrower has lesser credibility and thus make him a bad case for debt consolidation loans.
This however is not so. Borrowers with bad credit history are also considered for debt consolidation loans. The logic behind this is that by taking debt consolidation loan, the borrower with bad credit history is making positive efforts to change his/ her credit status. Thus, debt consolidation loan is readily available to people with bad credit history.
A slightly higher interest payment is what you are required to make on the debt consolidation loan if you have a bad credit history. You however need to distinguish between lenders who are charging the justifiable rates of interest and those who aren’t. The task is not as difficult. Just see what other lenders are offering to borrowers with similar circumstances. If that is not enough, you can request a select group of lenders to send their debt consolidation loan quote. The quote provides information about the rate of interest that will be charged, the period for which the loan will be offered and other important terms on which the loan will be granted. It is certain that on comparison, a few quotes will be rejected and some will be selected for further screening through several processes.
Once a debt consolidation loan provider is selected, the process of eliminating debts is initiated. The first step in any debt settlement process will be to make a list of the debts. The list must be as exhaustive as possible so that all debts are included.
The list of debts with the persons to whom each debt is due and the interest rate that each carries will be supplied to the loan provider. Debt consolidation loans have a special feature that borrowers are guided in the debt settlement process. The guiding principle of every debt settlement process is to save maximum for the debtor. Only through a proper negotiation can creditors be forced to write off a particular debt or a part of it. Borrowers do not have the necessary time and skills to make this happen. Thus, the service of the debt consolidation loan provider becomes necessary.
Debt consolidation loans come in either of the two forms, i.e. secured and unsecured loans. A secured debt consolidation loan is one in which the repayment is backed by a collateral. An unsecured debt consolidation loan, on the other hand, has no direct stake on any asset. There are subtle differences in the rates of interest and other terms that make secured debt consolidation loans more preferred in spite of the risk on assets.
Debt Consolidation Loans Can Resolve Bad Credit Debt
Replacing several high interest loans or credit cards with one consolidation loan can not only lower your monthly payments, but also save you money due to the lower interest rate on the new loan.
Look at the rates you are paying on your unsecured debts, i.e. credit cards with a rate of between about 13% and over 35%. These are obvious replacement loan candidates. Auto loans and store credit cards are other loans that should be paid off.
If you can get a second mortgage or refinance your current first mortgage, use these funds to pay off these unsecured loans. You should be able to currently save several thousand dollars in interest payments alone. I am assuming a total loan amount above the home debt to be about $20,000.
The other advantage to this plan is to reduce your monthly payments by a substantial amount. This also should allow you to gain a payment schedule that you can easily meet and even reduce quicker over time. Make sure you can pay off this new loan with extra payments with no penalty. It is a good place to put some of that extra money you have each month.
This idea also takes some solid research on your part. All banks and mortgage companies do not operate the same way. Also you want to find the best rate you can get for your debt structure.
Look to these sources for your consolidation loan: Local banks, local mortgage brokers, and the newest provider for these loans, the internet loan providers. There are many companies fighting each other to make these loans to folks like you. Take advantage of your popularity.
Sometimes, debt consolidation companies can discount the amount of the loan. The debt consolidator will buy the loan at a discount, usually when in danger of bankruptcy. The wise debtor can easily shop around for consolidators who will pass along some of the savings. Consolidation usually affects the ability of the debtor to discharge debts in bankruptcy. It’s prudent to weigh this decision rationally.
Take your future in your own hands and make this happen for your financial health. Saving money and paying off your debts faster will open your life to a freedom you have not enjoyed for a long time. A family with minimum debts has eliminated a potential family problem and replaced it with freedom. Do your self a favour and become debt free.
Look at the rates you are paying on your unsecured debts, i.e. credit cards with a rate of between about 13% and over 35%. These are obvious replacement loan candidates. Auto loans and store credit cards are other loans that should be paid off.
If you can get a second mortgage or refinance your current first mortgage, use these funds to pay off these unsecured loans. You should be able to currently save several thousand dollars in interest payments alone. I am assuming a total loan amount above the home debt to be about $20,000.
The other advantage to this plan is to reduce your monthly payments by a substantial amount. This also should allow you to gain a payment schedule that you can easily meet and even reduce quicker over time. Make sure you can pay off this new loan with extra payments with no penalty. It is a good place to put some of that extra money you have each month.
This idea also takes some solid research on your part. All banks and mortgage companies do not operate the same way. Also you want to find the best rate you can get for your debt structure.
Look to these sources for your consolidation loan: Local banks, local mortgage brokers, and the newest provider for these loans, the internet loan providers. There are many companies fighting each other to make these loans to folks like you. Take advantage of your popularity.
Sometimes, debt consolidation companies can discount the amount of the loan. The debt consolidator will buy the loan at a discount, usually when in danger of bankruptcy. The wise debtor can easily shop around for consolidators who will pass along some of the savings. Consolidation usually affects the ability of the debtor to discharge debts in bankruptcy. It’s prudent to weigh this decision rationally.
Take your future in your own hands and make this happen for your financial health. Saving money and paying off your debts faster will open your life to a freedom you have not enjoyed for a long time. A family with minimum debts has eliminated a potential family problem and replaced it with freedom. Do your self a favour and become debt free.
Discover The Secrets Behind Emergency Personal Loans
If you suffering a financial crisis then being able to get emergency personal loans may solve all your problems. There are now many online lenders that can offer an instant payday cash advance, even to people who have bad credit.
The majority of payday loans that you will be offered will be up to a maximum of $500. However, dependant on your income, some companies may be willing to offer you up to $1500. The reason that these companies like to limit your borrowing is because this is a short term loan and will usually need to be repaid within 2 to 4 weeks. Remember this type of loan is for those who are cash-strapped till payday.
The internet has made the process of securing emergency payday loans a lot more convenient. This will afford you a lot more privacy and can also speed up the process. There is no need to book appointments and wait agonisingly for a decision. In most cases, you will be required to complete an online application and hold on for an immediate answer. You may be asked to produce payslips or bank statements as proof of earnings, but these can either be faxed or scanned and sent by e-mail to the company in question.
As mentioned, the online process and acceptance can be an immediate solution. You may find that if you apply on a weekday, that the funds could be transferred to your checking account on the same day as your initial application.
These lenders are taking a high risk as there are usually no credit checks completed, hence the reason that more substantial sized loans are not offered.
Perhaps you have tried to secure a payday advance before and been declined! If you have been struggling for any amount of time and are not sure what to do next, i suggest you check out Kim Roach's Instant Payday Loan Formula.
The majority of payday loans that you will be offered will be up to a maximum of $500. However, dependant on your income, some companies may be willing to offer you up to $1500. The reason that these companies like to limit your borrowing is because this is a short term loan and will usually need to be repaid within 2 to 4 weeks. Remember this type of loan is for those who are cash-strapped till payday.
The internet has made the process of securing emergency payday loans a lot more convenient. This will afford you a lot more privacy and can also speed up the process. There is no need to book appointments and wait agonisingly for a decision. In most cases, you will be required to complete an online application and hold on for an immediate answer. You may be asked to produce payslips or bank statements as proof of earnings, but these can either be faxed or scanned and sent by e-mail to the company in question.
As mentioned, the online process and acceptance can be an immediate solution. You may find that if you apply on a weekday, that the funds could be transferred to your checking account on the same day as your initial application.
These lenders are taking a high risk as there are usually no credit checks completed, hence the reason that more substantial sized loans are not offered.
Perhaps you have tried to secure a payday advance before and been declined! If you have been struggling for any amount of time and are not sure what to do next, i suggest you check out Kim Roach's Instant Payday Loan Formula.
Wednesday
How to Finance Your Car With Bad Credit
Have you been searching for somewhere to finance your car with bad credit? In this day and age everyone either needs, wants or has a car. Gone are the days when a car was considered a luxury item. A car is definitely a necessity for most. However, due to your poor credit history, no lender is willing to help. You have even approached your own bank and they have shut the door firmly in your face.
This is when your search to finance your car begins. Although there is a vast array of lenders available, you need to be very careful. I'm sure you have heard many horror stories of people borrowing money and then being held to ransom by the lender. Once they have gone through the reams of small print, they discover that they will need to pay back up to 10 times the amount they borrowed. This, unfortunately, leads to further debt., which in turn can worsen your credit rating and eventually lead to bankruptcy!
Fortunately, this is where certain companies and organizations have evolved to help you. They are intermediary organizations, who will do all the leg work for you. They understand having bad credit can be a difficult time and will provide you with everything you have been looking for. They can show you how to finance your car, even with bad credit. Usually these companies have a huge list of lenders on their books, who are willing to help people in your situation. They can also provide online support and even have access to many unknown government resources. You will usually have to pay a very small one-time fee to get access to this information and remember i said very small!
You can still Finance your Car With Bad Credit, but you will just need to be wary. This is why i believe these intermediary companies are actually a blessing in disguise. The majority of lenders on their books can give you that auto loan online, at a price you can afford. In most cases your auto loan can be agreed and set up within a matter of days.
If you urgently need to Finance Your Car With Bad Credit, then it is time you visited one of these intermediary companies. Click Here to find out exactly what others in your situation are doing and secure that car loan today.
This is when your search to finance your car begins. Although there is a vast array of lenders available, you need to be very careful. I'm sure you have heard many horror stories of people borrowing money and then being held to ransom by the lender. Once they have gone through the reams of small print, they discover that they will need to pay back up to 10 times the amount they borrowed. This, unfortunately, leads to further debt., which in turn can worsen your credit rating and eventually lead to bankruptcy!
Fortunately, this is where certain companies and organizations have evolved to help you. They are intermediary organizations, who will do all the leg work for you. They understand having bad credit can be a difficult time and will provide you with everything you have been looking for. They can show you how to finance your car, even with bad credit. Usually these companies have a huge list of lenders on their books, who are willing to help people in your situation. They can also provide online support and even have access to many unknown government resources. You will usually have to pay a very small one-time fee to get access to this information and remember i said very small!
You can still Finance your Car With Bad Credit, but you will just need to be wary. This is why i believe these intermediary companies are actually a blessing in disguise. The majority of lenders on their books can give you that auto loan online, at a price you can afford. In most cases your auto loan can be agreed and set up within a matter of days.
If you urgently need to Finance Your Car With Bad Credit, then it is time you visited one of these intermediary companies. Click Here to find out exactly what others in your situation are doing and secure that car loan today.
Who Else Has Bad Credit, Can Put No Money Down, & Needs a Mortgage?
There are countless home loans and mortgages available to people with bad credit who are unable to put any money down as deposit. As someone who is new to the home buying process, you may be totally unaware of what help is available to you.
The sub-prime mortgage market is open to homebuyers with a poor credit history, those who have been made bankrupt or have even faced foreclosure. These types of lenders specialize in securing home loans for those who are struggling. Another fascinating fact is that many sub-prime lenders may be able to offer more favourable terms and interest rates than a conventional mortgage lender.
Two of the types of products that these lenders can offer are 100% financing and also 103% finance. The 100% finance mortgage is intended for those who have no money to put down and need to get their foot on the home buying ladder. This is also a great way for you to demonstrate that you have the ability to pay your monthly repayments in full and on time. This, of course will help to rebuild your poor credit rating. In most cases to secure a 100% loan you will be required to have a credit rating of least 580.
The 103% financing is aimed at people who not only have no money to put down, but require assistance in paying the associated costs and fees with your mortgage. In order to secure the 103% service, you will be required to have a minimum credit score of 600.
Even though having Bad Credit and no money to put down may seem like the end of your dream of securing a mortgage, it need not be.
Take this opportunity to see what others who have bad credit, can put no money down, but need a mortgage, have done.
Perhaps you need to improve your credit score first. In that case please grab a copy of your Free Report on the 6 Deadly Credit Repair Myths.
The sub-prime mortgage market is open to homebuyers with a poor credit history, those who have been made bankrupt or have even faced foreclosure. These types of lenders specialize in securing home loans for those who are struggling. Another fascinating fact is that many sub-prime lenders may be able to offer more favourable terms and interest rates than a conventional mortgage lender.
Two of the types of products that these lenders can offer are 100% financing and also 103% finance. The 100% finance mortgage is intended for those who have no money to put down and need to get their foot on the home buying ladder. This is also a great way for you to demonstrate that you have the ability to pay your monthly repayments in full and on time. This, of course will help to rebuild your poor credit rating. In most cases to secure a 100% loan you will be required to have a credit rating of least 580.
The 103% financing is aimed at people who not only have no money to put down, but require assistance in paying the associated costs and fees with your mortgage. In order to secure the 103% service, you will be required to have a minimum credit score of 600.
Even though having Bad Credit and no money to put down may seem like the end of your dream of securing a mortgage, it need not be.
Take this opportunity to see what others who have bad credit, can put no money down, but need a mortgage, have done.
Perhaps you need to improve your credit score first. In that case please grab a copy of your Free Report on the 6 Deadly Credit Repair Myths.
Discover Who Can Find a Bad Credit Loan Today
It's a familiar story, you find you have bad credit and you desperately need a loan today. You have tried the more conventional methods, but no lender is willing to give you a chance. This only makes matters worse. You are struggling to meet the monthly repayments on your bills and you have absolutely nowhere to turn. This is when you really need help and advice.
My Miracle Loans is a program that has been designed to help people in your very situation. So who can My Miracle Loans help to Find A Bad Credit Loan:-
- Those of you who have no job or cannot prove your income - let's face facts, if you had money, you wouldn't need urgent help. This is why they will help you secure a loan without having to provide numerous payslips and bank statements.
- People who have a poor credit history or a low credit score - there will be no credit checks, so this will have no effect on your ability to borrow.
- Those who have been made Bankrupt - This program has been created to help shed some light. You will discover methods to secure finance even when bankrupt that have been hidden from you for many years by lenders.
- You have no assets or collateral - This system is not about what you have to offer a lender in return for a loan. You will not be required to prove anything.
Even if you have been turned down before My Miracle Loans can help you find a bad credit loan today.
If you are struggling and not sure where to turn and you are looking to Find A Bad Credit Loan, then please read my full review on My Miracle Loans and discover how to ease your financial troubles today.
My Miracle Loans is a program that has been designed to help people in your very situation. So who can My Miracle Loans help to Find A Bad Credit Loan:-
- Those of you who have no job or cannot prove your income - let's face facts, if you had money, you wouldn't need urgent help. This is why they will help you secure a loan without having to provide numerous payslips and bank statements.
- People who have a poor credit history or a low credit score - there will be no credit checks, so this will have no effect on your ability to borrow.
- Those who have been made Bankrupt - This program has been created to help shed some light. You will discover methods to secure finance even when bankrupt that have been hidden from you for many years by lenders.
- You have no assets or collateral - This system is not about what you have to offer a lender in return for a loan. You will not be required to prove anything.
Even if you have been turned down before My Miracle Loans can help you find a bad credit loan today.
If you are struggling and not sure where to turn and you are looking to Find A Bad Credit Loan, then please read my full review on My Miracle Loans and discover how to ease your financial troubles today.
Improve Your Credit Score - Part 3
My system actually won't work for everybody.
As a matter of fact, it won't work for people
who don't take action and people who think
that their credit problems will magically go
away.
Then this isn't for them. It simply won't
work for everybody, but for people who do
take action and follow directions and who are
willing to put in a little effort, I think
they get outstanding results.
'THANK YOU' for taking action and doing what it
takes to have great credit.
Here's the special website
As a matter of fact, it won't work for people
who don't take action and people who think
that their credit problems will magically go
away.
Then this isn't for them. It simply won't
work for everybody, but for people who do
take action and follow directions and who are
willing to put in a little effort, I think
they get outstanding results.
'THANK YOU' for taking action and doing what it
takes to have great credit.
Here's the special website
-------------------------------------
Get SIX Free Bonuses!
-------------------------------------
*Bonus #1: My PROVEN Step-By-Step Credit
----
Repair Letters
These proven letters are the EXACT letters that
the big credit repair agencies use. Simply put,
they work like crazy! (Just copy, paste, and send)
*Bonus #2: The Budgeting Success Guide!
----
A complete budgeting guide with 3 PDF guides to
help you track your credit card debt, income, and
expenses.
*Bonus #3: The Interest Annihilator Phone Script!
----
Use this simple script to annihilate your interest
rates on your credit cards immediately!
*Bonus #4: Interest Elimination Video
----
Real Life Video Showing How To eliminate your high
interest payments
*Bonus #5: The Complete Transcripts of All
Audio Interviews!
----
Complete Transcripts of the 4 interviews with
credit experts Donna Fox, Scott Bilker, and
Brett Bruce.
*Bonus #6: My "Snowball" Reduction System
----
This special spreadsheet will help you pay
off your debt faster, quicker, and easier than
ever before. Just plug in your numbers and see
how to reduce your large bills by "following the plan."
Go here right now and claim your copy before it's
too late
Get SIX Free Bonuses!
-------------------------------------
*Bonus #1: My PROVEN Step-By-Step Credit
----
Repair Letters
These proven letters are the EXACT letters that
the big credit repair agencies use. Simply put,
they work like crazy! (Just copy, paste, and send)
*Bonus #2: The Budgeting Success Guide!
----
A complete budgeting guide with 3 PDF guides to
help you track your credit card debt, income, and
expenses.
*Bonus #3: The Interest Annihilator Phone Script!
----
Use this simple script to annihilate your interest
rates on your credit cards immediately!
*Bonus #4: Interest Elimination Video
----
Real Life Video Showing How To eliminate your high
interest payments
*Bonus #5: The Complete Transcripts of All
Audio Interviews!
----
Complete Transcripts of the 4 interviews with
credit experts Donna Fox, Scott Bilker, and
Brett Bruce.
*Bonus #6: My "Snowball" Reduction System
----
This special spreadsheet will help you pay
off your debt faster, quicker, and easier than
ever before. Just plug in your numbers and see
how to reduce your large bills by "following the plan."
Go here right now and claim your copy before it's
too late
Chris Brisson's Improve Your Credit Rating Part 2
I told you about the website the
credit repair industry hopes we never see.
Here it is:
credit repair industry hopes we never see.
Here it is:
37 Days To Clean Credit
Rumors are flying about industry big wigs
trying to get my website shut down.
Why are they trying to ban it?
I think it's because we're (finally) getting
exposed to the credit repair secrets they've
been hiding all along.
It's all right here in black and white and
chock full o' proof!
Rumors are flying about industry big wigs
trying to get my website shut down.
Why are they trying to ban it?
I think it's because we're (finally) getting
exposed to the credit repair secrets they've
been hiding all along.
It's all right here in black and white and
chock full o' proof!
The credit repair industry wants to keep this
from us. But that's too bad for them.
People like you and me deserve this information.
And if the credit repair industry wants to ban
my site, that PROVES that these secrets are the
real deal. (Why else would they want to keep this
information from us?)
Anyway - here's the website that everyone's talking
about. I'm the "good guy."
from us. But that's too bad for them.
People like you and me deserve this information.
And if the credit repair industry wants to ban
my site, that PROVES that these secrets are the
real deal. (Why else would they want to keep this
information from us?)
Anyway - here's the website that everyone's talking
about. I'm the "good guy."
Chris Brisson's 37 Days To Clean Credit
Yes, I know this sounds crazy ...but
the reason I say is simple:
----------------
THIS INFORMATION COULD BRING THE CREDIT
REPAIR INDUSTRY TO ITS KNEES!
----------------
You can see for yourself here:
Before you go there, you should know this
information is pure gold to the credit repair
companies.
Heck, they make millions doing what you
can for free.
People like you and me deserve this information.
And if the credit repair industry wants to ban
my site, that PROVES that these secrets are the
real deal. (Why else would they want to keep
this information from us?)
Anyway - here's the site that everyone's talking
about. It's not joke. People call me the "good guy"
and *them* the bad guys.
Talk soon,
Chris Brisson
P.S. I really *did* get an email from a credit
repair expert telling me they are going to ban
my site because they don't want the info being
leaked out to folks like us. If you want to see
what all the fuss is about, I'd go to the site
now. It might not be there tomorrow.
Here it is again:
information is pure gold to the credit repair
companies.
Heck, they make millions doing what you
can for free.
People like you and me deserve this information.
And if the credit repair industry wants to ban
my site, that PROVES that these secrets are the
real deal. (Why else would they want to keep
this information from us?)
Anyway - here's the site that everyone's talking
about. It's not joke. People call me the "good guy"
and *them* the bad guys.
Talk soon,
Chris Brisson
P.S. I really *did* get an email from a credit
repair expert telling me they are going to ban
my site because they don't want the info being
leaked out to folks like us. If you want to see
what all the fuss is about, I'd go to the site
now. It might not be there tomorrow.
Here it is again:
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