From: Donald Sievers
Newsgroups: alt.org.natl-assn-mortgage-brokers
Subject: Re: Why we have the BEST Credit Restoration system in the industry
Date: Thu, 10 May 2007 21:27:39 GMT
What does your service cost ?
On 30 Jan 2007 08:37:32 -0800, "homestead services"
wrote:
>HOMESTEAD SERVICES OF FLORIDA
>www.homesteadservicesflorida.com
>Division Of Beacon Consulting
>
>Why we have the BEST Credit Restoration system in the industry and is
>utilize by more mortgage brokers, title agents, Realtors, investment
>attorneys, real estate attorneys, bankruptcy attorneys, loan officers,
>bankers, etc. than any other system in the industry.
>
>Use our trademarked, patented credit restoration system and have a
>Free Loan Assistant and close 20% - 50% more loans in 2007!
>
>We use the Section 609 Credit Disputing System. This system is the
>only Trademarked & Copy written system. No other company has this
>state-of-the-art system. With authority to use the Beacon proprietary
>system. Beacon Consulting developed this credit disputing system in
>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
>Month and an initial set up fee of $99 or higher - We don't! No
>monthly fees and No set up fees are charged by us!
>
>** REAL ESTATE PROFESSIONAL **
>Provide your past, present and future Florida clients with several,
>unique
>and extremely beneficial Home owner protection and Credit Restoration
>Services
>
>Our Services are available to the following Real Estate Professionals:
>
>· Mortgage Broker
>· Realtor
>· Title Agent
>· Attorney - Title, Bankruptcy,
>· Bank Loan Officer
>· Certified Signing Agent
>· P&C Insurance Agent
>
> WE CAN HELP ALMOST EVERYONE !!!
>
>· WE WANT YOUR CLIENTS THAT HAVE BEEN "TURNED DOWN" or "RATED" FOR
>ANY LOAN
>· WE WANT YOUR CLIENTS THAT HAVE A "EXCELLENT" CREDIT RATING
>· WE WANT YOUR CLIENTS THAT HAVE A "GOOD" CREDIT
>RATING
>· WE WANT YOUR CLIENTS THAT HAVE A "FAIR" CREDIT
>RATING
>· WE WANT YOUR CLIENTS THAT HAVE A "BAD" CREDIT
>RATING
>· WE WANT YOUR CLIENTS THAT HAVE A "VERY BAD" CREDIT RATING
>· WE WANT YOUR CLIENTS THAT HAVE "ENCUMBRANCES" ON THEIR HOME
>· WE WANT YOUR CLIENTS THAT HAVE "JUDGMENTS" AGAINST THEIR
>HOME
>· WE WANT YOUR CLIENTS THAT HAVE "LIENS" AGAINST THEIR HOME
>· WE WANT YOUR CLIENTS THAT MAY HAVE PENDING "LITIGATION"
>· 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
>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
>reporting violation between the Creditor and the Credit Bureaus and
>have exposed it! The credit bureaus have failed EVERY TIME to provide
>what is legally required to keep the challenged negatives on your
>report. WE FORCE THEM TO FOLLOW THE LAW!
>
>If you have been denied a loan, credit, insurance, an apartment or a
>job because of your credit rating ...... Then this might be the most
>important letter you'll ever read.
>
>Here's why:
>Because in this letter I am going to show you how anyone can
>dramatically increase their credit scores so that you are never denied
>credit or be taken to the cleaners again!
>
>I'll show you how YOU can increase your credit scores and maintain an
>EXCELLENT CREDIT RATING for as long as you wish --- simply by
>following our proven successful Section 609 Disputing System and
>Educational Series. But even better than that, WE are going to be with
>you for One full year writing the letters and educating you on how it
>is done! Now, I know that you are probably a bit skeptical. That's
>normal and healthy. Let me give you four good reasons we can back up
>what we claim:
>
>Four Factual Reasons
>Reason One:
>Our Section 609 Disputing System was created in 1999 and has
>successfully helped over 33,000 satisfied clients with over 2 Million
>deletions and changes on file.
>
>Reason Two:
>We are the ONLY company in the entire US fully utilizing the section
>609 dispute system (putting the law on YOUR side) with an amazing
>deletion and change rate of over 87%, providing an average credit
>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
>testimonials complete with telephone numbers for you to contact our
>satisfied clients to learn how we have legally improved their credit
>report and scores EVERY time!
>
>Reason Four:
>Last but definitely not least - This is NOT about credit repair. Our
>22 point Educational Series is being taught in the Business and
>Finance Department of a major university.
>
>Our Process......Our process is very simple. We are disputing reporting
>law - not whether or not an account is yours or not but whether or not
>the credit bureaus have "verifiable proof" they are required by law
>to have on the challenged account.
>
>So the dispute is NEVER about what type of negative we challenge.....you
>simply have a right to receive a copy of the Original Creditors
>Documentation that should be on file with the Credit Bureau. If you
>were to request the same verifiable proof from the creditor.....they
>would usually comply very quickly and would oftentimes fax or mail you
>a copy of your account application/history within 24 hours. That is
>fine.....but the creditor does not own the credit bureau report......the
>credit bureaus does!
>
>The credit bureaus are required to have a copy of that same verifiable
>proof. The Credit Bureaus are the agencies reporting your information
>to underwriters and Loan Officers and banks and so forth. Under
>the FCRA.....they need to provide you a copy of verifiable documentation
>if it is requested by you the consumer. Here is what we find VERY
>interesting!
>
>We have assisted over 33,000 clients since 1999. Each client had an
>average of 15 negative accounts listed in the dispute we filed.......each
>credit bureau has their own independent investigation of the
>negative items....So that is over 1.3 million accounts that these
>31,000+ clients have represented.
>
>We have NEVER RECEIVED a single copy of verifiable proof on a single
>client account...NEVER! They do not have them on file! All credit
>bureau reporting is done electronically via email or fax. But that is
>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
>INDUSTRY. WE SUCCESSFULLY DELETE OR CHANGE OVER 87% OF EVERYTHING WE
>DISPUTE !!!!
>
>IF OUR INTERPRETATION OF THIS LAW WERE WRONG.....IT WOULDN'T WORK.......THEY
>WOULDN'T DELETE OR CHANGE THOSE ACCOUNTS IF VERIFIABLE, ACCURATE, UP-
>T0-DATE INFORMATION WERE PRESENT. We save every single deletion or
>change that comes in....We currently hold over 1 million deletions or
>changes on file.
>
>
>*Is It Illegal To Remove Negatives From Your Credit Report ?
>The Fair Credit Reporting Act, enabled by Congress, clearly states
>that every consumer is entitled to question, verfiy, and have
>derogatory information removed whenever such is inaccurate, outdated,
>unverifiable, or misleading. As is the case with many other laws in
>our nation, most consumers are not aware of their rights and do not
>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
>us from saying that removal of all negatives can be guaranteed. Yet,
>by the same token, any information, no matter how accurate, which
>cannot be verified within a reasonable amount of time, according to
>law, CANNOT be included on your credit report. Our job is not to
>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
>institutions who rely on that service. Now think for a minute how it
>makes their business appear when the consumer shows them up and proves
>how wrong they can be! Not only does it make their business look
>foolish, it also diminishes the confidence in their service.
>Unfortunately, the three major credit bureaus ( Equifax, Experian &
>TransUnion ) have spent millions convincing the American public that
>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,
>outdated, misleading or inaccurate, may not reappear on your credit
>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
>payments, though more severe in the amount of points deducted from
>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
>consumers can be hurt and prevented from obtaining credit and even a
>job because of inaccurate, outdated, misleading or unverifiable
>information.
>
>* Are Experian, Equifax & TransUnion Connected With The Government?
>These are private companies and have absolutely NO CONNECTION with our
>government. These, for profit companies, make the decision on how,
>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
>up. Improvement must take place along legally established guidelines
>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
>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
>your updated and corrected credit report will be sent to your home
>address. Your credit report will still reflect your past good history,
>and therefore you should have relatively few problems. For those who
>must start fresh, there ar simple procedures you can follow to begin
>establishing new credit. Remember.....the most important thing you can
>do is to pay your accounts on time......over time. This will allow you
>to maximize your credit potential.
>
>* Do You Guarantee 100% Results?
>NO. No company can guarantee a particular outcome. We make no
>outrageous claims concerning 100% guarantees or any particular length
>of time it will take to complete your credit dispute.
>Remember.....there is no "magic wand" to wave over your credit reports
>to make years of poor credit or inaccurate information disappear. You
>should be able to see measurable results within 90 - 120 days
>depending on the amount of negative items we are challenging for you.
>Results will depend upon your individual circumstances. We do,
>however, warranty our work. If we fail to change your credit
>positioning at all over a period of 1 year.....we will gladly refund a
>portion of your service fee.
>
>CONTACT US TODAY !
>(941) 822 - 4663 (HOME)
>www.homesteadservicesflorida.com
>info@homesteadservicesflorida.com
>
>D. Michaels
>President / Legal Researcher
|