From: "homestead services"
Newsgroups: alt.org.natl-assn-mortgage-brokers
Subject: Why we have the BEST Credit Restoration system in the industry
Date: 30 Jan 2007 08:37:32 -0800
posting-account=_uePsw0AAADRRICKRLFOgBqBhz_GHIJQ
HOMESTEAD SERVICES OF FLORIDA
www.homesteadservicesflorida.com
Division Of Beacon Consulting
Why we have the BEST Credit Restoration system in the industry and is=20
utilize by more mortgage brokers, title agents, Realtors, investment=20
attorneys, real estate attorneys, bankruptcy attorneys, loan officers,=20
bankers, etc. than any other system in the industry.
Use our trademarked, patented credit restoration system and have a=20
Free Loan Assistant and close 20% - 50% more loans in 2007!
We use the Section 609 Credit Disputing System. This system is the=20
only Trademarked & Copy written system. No other company has this=20
state-of-the-art system. With authority to use the Beacon proprietary=20
system. Beacon Consulting developed this credit disputing system in=20
1999!
Our proficiency rating stands at 87%!
NO other company even comes close!!!
Some competitor companies charge a monthly fee as high as $159 Per=20
Month and an initial set up fee of $99 or higher - We don't! No=20
monthly fees and No set up fees are charged by us!
** REAL ESTATE PROFESSIONAL **
Provide your past, present and future Florida clients with several,=20
unique
and extremely beneficial Home owner protection and Credit Restoration=20
Services
Our Services are available to the following Real Estate Professionals:
=B7 Mortgage Broker
=B7 Realtor
=B7 Title Agent
=B7 Attorney - Title, Bankruptcy,
=B7 Bank Loan Officer
=B7 Certified Signing Agent
=B7 P&C Insurance Agent
WE CAN HELP ALMOST EVERYONE !!!
=B7 WE WANT YOUR CLIENTS THAT HAVE BEEN "TURNED DOWN" or "RATED" FOR=20
ANY LOAN
=B7 WE WANT YOUR CLIENTS THAT HAVE A "EXCELLENT" CREDIT RATING
=B7 WE WANT YOUR CLIENTS THAT HAVE A "GOOD" CREDIT=20
RATING
=B7 WE WANT YOUR CLIENTS THAT HAVE A "FAIR" CREDIT=20
RATING
=B7 WE WANT YOUR CLIENTS THAT HAVE A "BAD" CREDIT=20
RATING
=B7 WE WANT YOUR CLIENTS THAT HAVE A "VERY BAD" CREDIT RATING
=B7 WE WANT YOUR CLIENTS THAT HAVE "ENCUMBRANCES" ON THEIR HOME
=B7 WE WANT YOUR CLIENTS THAT HAVE "JUDGMENTS" AGAINST THEIR=20
HOME
=B7 WE WANT YOUR CLIENTS THAT HAVE "LIENS" AGAINST THEIR HOME
=B7 WE WANT YOUR CLIENTS THAT MAY HAVE PENDING "LITIGATION"
=B7 WE WANT YOUR CLIENTS THAT HAVE NOT "PROTECTED" THEIR FLORIDA HOME
WE ARE CREDIT RESTORATION COMPANY, and NOT CREDIT REPAIR.
DO YOU KNOW AND UNDERSTAND THE DIFFERENCE??
DO YOU REALIZE THAT ANY CREDIT SCORE BELOW 680 IS DEEMED AS SUB-PRIME=20
AND SUBJECT FOR A HIGHER RATED LOAN PERCENTAGE?
ANY CREDIT SCORE BELOW 560 IS A "SHAFTED" SCORE.
Example: A Credit Card would issued around 22%-23% A.P.R.
WHAT IS SECTION 609?
It is a section of the Fair Credit Reporting Act (FCRA). We found a=20
reporting violation between the Creditor and the Credit Bureaus and=20
have exposed it! The credit bureaus have failed EVERY TIME to provide=20
what is legally required to keep the challenged negatives on your=20
report. WE FORCE THEM TO FOLLOW THE LAW!
If you have been denied a loan, credit, insurance, an apartment or a=20
job because of your credit rating ...... Then this might be the most=20
important letter you'll ever read.
Here's why:
Because in this letter I am going to show you how anyone can=20
dramatically increase their credit scores so that you are never denied=20
credit or be taken to the cleaners again!
I'll show you how YOU can increase your credit scores and maintain an=20
EXCELLENT CREDIT RATING for as long as you wish --- simply by=20
following our proven successful Section 609 Disputing System and=20
Educational Series. But even better than that, WE are going to be with=20
you for One full year writing the letters and educating you on how it=20
is done! Now, I know that you are probably a bit skeptical. That's=20
normal and healthy. Let me give you four good reasons we can back up=20
what we claim:
Four Factual Reasons
Reason One:
Our Section 609 Disputing System was created in 1999 and has=20
successfully helped over 33,000 satisfied clients with over 2 Million=20
deletions and changes on file.
Reason Two:
We are the ONLY company in the entire US fully utilizing the section=20
609 dispute system (putting the law on YOUR side) with an amazing=20
deletion and change rate of over 87%, providing an average credit=20
score increase of 60-100 points in as little as 90-120 days.
Reason Three:
We are the ONLY company in the industry that will provide you with=20
testimonials complete with telephone numbers for you to contact our=20
satisfied clients to learn how we have legally improved their credit=20
report and scores EVERY time!
Reason Four:
Last but definitely not least - This is NOT about credit repair. Our=20
22 point Educational Series is being taught in the Business and=20
Finance Department of a major university.
Our Process......Our process is very simple. We are disputing reporting=20
law - not whether or not an account is yours or not but whether or not=20
the credit bureaus have "verifiable proof" they are required by law=20
to have on the challenged account.
So the dispute is NEVER about what type of negative we challenge.....you=20
simply have a right to receive a copy of the Original Creditors=20
Documentation that should be on file with the Credit Bureau. If you=20
were to request the same verifiable proof from the creditor.....they=20
would usually comply very quickly and would oftentimes fax or mail you=20
a copy of your account application/history within 24 hours. That is=20
fine.....but the creditor does not own the credit bureau report......the=20
credit bureaus does!
The credit bureaus are required to have a copy of that same verifiable=20
proof. The Credit Bureaus are the agencies reporting your information=20
to underwriters and Loan Officers and banks and so forth. Under
the FCRA.....they need to provide you a copy of verifiable documentation=20
if it is requested by you the consumer. Here is what we find VERY=20
interesting!
We have assisted over 33,000 clients since 1999. Each client had an=20
average of 15 negative accounts listed in the dispute we filed.......each=20
credit bureau has their own independent investigation of the
negative items....So that is over 1.3 million accounts that these=20
31,000+ clients have represented.
We have NEVER RECEIVED a single copy of verifiable proof on a single=20
client account...NEVER! They do not have them on file! All credit=20
bureau reporting is done electronically via email or fax. But that is=20
NOT what the law says must be done. OUR STATISTICS SAY IT ALL!
WE HAVE THE HIGHEST DELETION RATE AND CHANGE RATE IN THE ENTIRE=20
INDUSTRY. WE SUCCESSFULLY DELETE OR CHANGE OVER 87% OF EVERYTHING WE=20
DISPUTE !!!!
IF OUR INTERPRETATION OF THIS LAW WERE WRONG.....IT WOULDN'T WORK.......THE=
Y=20
WOULDN'T DELETE OR CHANGE THOSE ACCOUNTS IF VERIFIABLE, ACCURATE, UP-
T0-DATE INFORMATION WERE PRESENT. We save every single deletion or=20
change that comes in....We currently hold over 1 million deletions or=20
changes on file.
*Is It Illegal To Remove Negatives From Your Credit Report ?
The Fair Credit Reporting Act, enabled by Congress, clearly states=20
that every consumer is entitled to question, verfiy, and have=20
derogatory information removed whenever such is inaccurate, outdated,=20
unverifiable, or misleading. As is the case with many other laws in=20
our nation, most consumers are not aware of their rights and do not=20
have the time to study these laws.
* Is It Really PossibleTo Repair Credit ?
In a technical sense, no. For example, Federal and State laws prohibit=20
us from saying that removal of all negatives can be guaranteed. Yet,=20
by the same token, any information, no matter how accurate, which=20
cannot be verified within a reasonable amount of time, according to=20
law, CANNOT be included on your credit report. Our job is not to=20
repair your credit....but to repair the reporting of your credit!
* Why Are The Credit Bureaus So Paranoid About Credit Improvement ?
Credit Bureaus sell their information for millions of dollars daily to=20
institutions who rely on that service. Now think for a minute how it=20
makes their business appear when the consumer shows them up and proves=20
how wrong they can be! Not only does it make their business look=20
foolish, it also diminishes the confidence in their service.=20
Unfortunately, the three major credit bureaus ( Equifax, Experian &=20
TransUnion ) have spent millions convincing the American public that=20
bad credit cannot be deleted from an individual's credit report.
* Once Negatives Are Investigated And Removed, Do They Come Back?
Negative information, once investigated and found unverifiable,=20
outdated, misleading or inaccurate, may not reappear on your credit=20
report, according to the FCRA (Fair Credit Reporting Act)
What Happens With Bankruptcies, Repo's & Foreclosures?
* What Happens With Bankruptcies, Repo's & Foreclosures?
These are considered negatives and derogatories just like late=20
payments, though more severe in the amount of points deducted from=20
your credit score. Quite often these items can also be removed.
* Does Credit Restoration Jeopardize The Credit System ?
At NO time do we advocate the implementation of illegal procedures and/
or suggest "fooling" the system. However, we keep in mind how=20
consumers can be hurt and prevented from obtaining credit and even a=20
job because of inaccurate, outdated, misleading or unverifiable=20
information.
* Are Experian, Equifax & TransUnion Connected With The Government?
These are private companies and have absolutely NO CONNECTION with our=20
government. These, for profit companies, make the decision on how,=20
what, and wherefore regarding consumer credit and reporting of same.
* Why Does It Take So Long?
It takes time to establish good credit and it takes time to mess it=20
up. Improvement must take place along legally established guidelines=20
and certain procedural rules must be followed. There are no shortcuts!
* Are There Any Items Which Are Hard To Remove?
No......ANY unverifiable, inaccurate, outdated or misleading item can=20
be removed regardless of how long it has been reported!
* What Do I Do With My Clean Credit?
After the credit bureaus conclude their investigations, a new copy of=20
your updated and corrected credit report will be sent to your home=20
address. Your credit report will still reflect your past good history,=20
and therefore you should have relatively few problems. For those who=20
must start fresh, there ar simple procedures you can follow to begin=20
establishing new credit. Remember.....the most important thing you can=20
do is to pay your accounts on time......over time. This will allow you=20
to maximize your credit potential.
* Do You Guarantee 100% Results?
NO. No company can guarantee a particular outcome. We make no=20
outrageous claims concerning 100% guarantees or any particular length=20
of time it will take to complete your credit dispute.=20
Remember.....there is no "magic wand" to wave over your credit reports=20
to make years of poor credit or inaccurate information disappear. You=20
should be able to see measurable results within 90 - 120 days=20
depending on the amount of negative items we are challenging for you. =20
Results will depend upon your individual circumstances. We do,=20
however, warranty our work. If we fail to change your credit=20
positioning at all over a period of 1 year.....we will gladly refund a=20
portion of your service fee.
CONTACT US TODAY !
(941) 822 - 4663 (HOME)
www.homesteadservicesflorida.com
info@homesteadservicesflorida.com
D=2E Michaels
President / Legal Researcher
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