Credit Repair Companies and the ECRA » credit repair program 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 Myths About Credit Repair Companies http://www.ecraonline.org/blog/credit-repair-companies/myths-credit-repair-companies/ http://www.ecraonline.org/blog/credit-repair-companies/myths-credit-repair-companies/#comments Sun, 04 Oct 2009 19:47:08 +0000 admin http://www.ecraonline.org/blog/?p=61 There are many things said about credit repair companies. Unfortunately, though such beliefs are widespread and popular, they are negative and false. Myth No 1 – credit repair companies thrive on your misfortune. Wrong! They actually provide vital help at a time when you are about to lose everything – your possessions, your peace of mind, and your reputation. Myth No 2 – all credit repair agencies are fraudulent; they’re only after your money. Wrong! Reputable agencies make clients for life. They become friends, philosophers and guides to their clients, teaching them the art of financial management. They show you the light, when you are lost in financial darkness. Myth no 3 – credit repair agencies can work miracles if you pay them enough. Wrong again! Trustworthy agencies will tell you right from the start what can be done and how long it will take. They will use only legal means, which are in no way “magic.

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]]> http://www.ecraonline.org/blog/credit-repair-companies/myths-credit-repair-companies/feed/ 0 Poor credit auto loans – working around the problem http://www.ecraonline.org/blog/lending/poor-credit-auto-loans-working-problem/ http://www.ecraonline.org/blog/lending/poor-credit-auto-loans-working-problem/#comments Sat, 26 Sep 2009 19:56:12 +0000 admin http://www.ecraonline.org/blog/?p=103 When you fall into the problem of a poor credit score, you’ll find that loans become very difficult to obtain. Creditors who are willing to lend money to you often impose inflated interest rates and/or difficult-to-meet terms and conditions. The worst disappointments come when applying for poor credit auto loans.

The good news is that you can get around this problem either by providing some collateral with your loan application, or by finding a person whose credit score is high and agrees to be your co-signee for the loan.

A word of advice – use your credit carefully after you avail of poor credit auto loans this way. If you pay on time you’ll be able to use this same loan to improve your credit score; if not, you will lose not only your newly bought auto, but your credit score will also plummet.

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]]> http://www.ecraonline.org/blog/lending/poor-credit-auto-loans-working-problem/feed/ 0 Credit Repair Program http://www.ecraonline.org/blog/credit-repair-general-topics/credit-repair-program/ http://www.ecraonline.org/blog/credit-repair-general-topics/credit-repair-program/#comments Thu, 13 Aug 2009 19:31:00 +0000 admin http://www.ecraonline.org/blog/?p=72 Most people feel that they would invite more trouble than help when and if they subscribed to a credit repair program. This is a myth – one that stops you from reclaiming complete charge of your life. Do not fear the credit repair agencies. They are your friends. These are bridges that help you cross over from hopeless situations to workable ones.

 Do recognize the fact that when you are indebted beyond help, the whole world looks rather depressing. This would continue to deteriorate until you reignite hope in your mind – hope that you can beat the seemingly insurmountable odds.

 It IS possible. The only thing you need to watch out for when you subscribe to a good program for credit repair is that it “helps” you overcome your debts in a lawful manner.

 No matter how tempting it sounds, avoid those which promise you overnight results. These will lead you to disaster.

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