Credit Repair Companies and the ECRA » credit advisor http://www.ecraonline.org/blog Credit Repair Companies & Credit Repair Services Consumer Watchdog Sun, 13 Nov 2011 16:11:16 +0000 en hourly 1 http://wordpress.org/?v=3.0.1 Where Do I Find Bankruptcy Advice? http://www.ecraonline.org/blog/credit-bureaus/where-do-i-find-bankruptcy-advice-2/ http://www.ecraonline.org/blog/credit-bureaus/where-do-i-find-bankruptcy-advice-2/#comments Sat, 16 Jan 2010 12:46:13 +0000 admin http://www.ecraonline.org/blog/?p=6240 bigstockphoto Binary Digit People 370221 Where Do I Find Bankruptcy Advice?

When you are on the brink of losing everything and you desperately want a professional opinion where should you go? You have two choices – first, you can go to any leading attorney or legal agency for advice; second, you can go to a reputable and effective credit repair agency or agent.

These are the two places where you will find sound advice about whether or not to file bankruptcy; and if yes, how to do it in a manner that  harms you the least.

But the most vital bankruptcy advice would be to reconsider it again and again, until you have exhausted ALL your possibilities. This should be indeed your parachute – a last resort. It’s worthwhile to avoid declaring bankruptcy if you have any other alternative, because once it finds its place onto your credit report, the repercussions are very discouraging. You will have to bear the stamp of high-risk investment for 10 years … which is a very long time.

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]]> http://www.ecraonline.org/blog/credit-bureaus/where-do-i-find-bankruptcy-advice-2/feed/ 0 Fixing Your Credit in 3 Simple Steps http://www.ecraonline.org/blog/credit-counseling/fixing-your-credit-in-3-simple-steps/ http://www.ecraonline.org/blog/credit-counseling/fixing-your-credit-in-3-simple-steps/#comments Fri, 11 Dec 2009 17:03:37 +0000 admin http://www.ecraonline.org/blog/?p=6103 Fixing your credit is usually cumbersome and trying. You need to have patience to correspond with the credit bureaus to remove all wrongly-entered negative items; you need to apply a certain amount of financial discipline in your day-to-day life, and you need to make a number of sacrifices. Even so, improvement in your score can take months to show.

Here are 3 steps that make things easier for you:

1. Choose a reputable credit repair agency – use the Internet to find a reliable, trustworthy, and experienced company. Use the reviews available on Net to rate the company, as well as its affiliations and recognitions at the national level.

2. Entrust the task of fixing your credit to this agency – once you have found the right agency, allow them to do their job. Provide them with all the details of your financial situation most accurately. It will not pay to mislead them!

3. Avail of the free counseling this credit repair agency offers – learn about what went wrong and how this can be prevented in the future.

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]]> http://www.ecraonline.org/blog/credit-counseling/fixing-your-credit-in-3-simple-steps/feed/ 0 Poor Credit Lenders – They Do It for Profit http://www.ecraonline.org/blog/credit-cards/poor-credit-lenders-%e2%80%93-they-do-it-for-profit/ http://www.ecraonline.org/blog/credit-cards/poor-credit-lenders-%e2%80%93-they-do-it-for-profit/#comments Wed, 09 Dec 2009 04:56:58 +0000 admin http://www.ecraonline.org/blog/?p=6099 When your credit score is low and you have to visit poor credit lenders, you often feel optimistic about the outcome. However, you need to know that poor credit lenders always take maximum advantages of the situation.

In order to ensure that you get what you are entitled to, you will have to fight tooth and nail with the lenders. Your arsenal should consist of various interest rates, terms, and conditions, which others in the market offer. Choose the most competitive prices and best reputation.

Bargain hard for the lowest possible terms of payment. Most people shy away from bargaining for a better price because they are already intimidated by circumstances. However, unless you do so, how can you hope for the best outcome?

Do not pity them. Poor credit lenders make huge profit from this type of business. Ensure that your interests are always taken care of. Remember: you are still a customer!

]]> http://www.ecraonline.org/blog/credit-cards/poor-credit-lenders-%e2%80%93-they-do-it-for-profit/feed/ 0 The Duties of a Credit Advisor http://www.ecraonline.org/blog/credit-bureaus/duties-credit-advisor-2/ http://www.ecraonline.org/blog/credit-bureaus/duties-credit-advisor-2/#comments Fri, 23 Oct 2009 01:32:17 +0000 admin http://www.ecraonline.org/blog/?p=410 When you hear the phrase “credit advisor” what do you envision? There are many credit repair agencies and agents out there, but few credit advisors.

What is the difference between the two services? A credit repair agency zeroes in on methods that help you repair your credit score in the fastest way possible; a credit advisor goes beyond that, and teaches you how to manage your finances.

Many reputable credit repair agencies also act as credit advisors, because they opt to deliver more to their customers than the subscribed services. Besides debt management counseling, these agencies will also help acquiring poor credit financing, working out a budget, finding alternatives to generate wealth and many such other activities that improve the overall financial status of the client.

While credit repair is a highly focused service, at the end of the day it’s the credit advisor that will be your real friend!

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]]> http://www.ecraonline.org/blog/credit-bureaus/duties-credit-advisor-2/feed/ 0 3 steps to become a credit advisor http://www.ecraonline.org/blog/credit-repair-companies/3-steps-credit-advisor/ http://www.ecraonline.org/blog/credit-repair-companies/3-steps-credit-advisor/#comments Wed, 23 Sep 2009 19:29:07 +0000 admin http://www.ecraonline.org/blog/?p=64 bigstockphoto real loan 1342062 300x200 3 steps to become a credit advisorA lot is being said about the credit repair advisors nowadays, and you might consider starting your own endeavor in this line. In case the idea of becoming a credit advisor appeals to you, here are three steps that can launch you in this business:

1. Job-shadow with a trustworthy credit repair agency or professional. This will give you hands-on experience and firsthand knowledge of how to handle various cases and will give you confidence in your ability to find solutions to credit repair issues.

Alternatively, locate a good training program. Search online for “credit repair business” and compare those available, taking into account comprehensiveness of the program, value, and price.

2. Work on trial. Before you offer your services as a credit advisor to clients, use your skills and acquired knowledge to repair your own credit first.

3. Apply yourself in all the fields related to increasing credit scores, such as disputing erroneous entries, negotiating with creditors for better reporting, finding alternatives to bankruptcy, debt management, counseling, and so on, working on a pro bono basis for about 6 months, until you are confident that you can do justice to the job.

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]]> http://www.ecraonline.org/blog/credit-repair-companies/3-steps-credit-advisor/feed/ 0 The Duties of a Credit Advisor http://www.ecraonline.org/blog/credit-counseling/duties-credit-advisor/ http://www.ecraonline.org/blog/credit-counseling/duties-credit-advisor/#comments Mon, 07 Sep 2009 20:03:15 +0000 admin http://www.ecraonline.org/blog/?p=363 When you hear the phrase “credit advisor” what do you envision? There are many credit repair agencies and agents out there, but few credit advisors. What is the difference between the two services? A credit repair agency zeroes in on methods that help you repair your credit score in the fastest way possible; a credit advisor goes beyond that, and teaches you how to manage your finances. Many reputable credit repair agencies also act as credit advisors, because they opt to deliver more to their customers than the subscribed services. Besides debt management counseling, these agencies will also help acquiring poor credit financing, working out a budget, finding alternatives to generate wealth and many such other activities that improve the overall financial status of the client. While credit repair is a highly focused service, at the end of the day it’s the credit advisor that will be your real friend!

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