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It seems like a new business networking group springs up every week. This last week, I was asked to join a new group by the name of Cup of Coffee Networkers. From what I can tell, it is primarily an online group, so I am still trying to figure out how this avid coffee-drinking connoisseur is going to get his cup of coffee. Actually, I think the goal is to start online and then organize groups offline step by step. Are they going to meet at coffee shops?

All humor aside, it is a fact that business networking groups are the in thing these days. A popular one that I personally attend is Netweavers– SAKM Netweavers (South Arlington, Kennedale, Mansfield) . You are probably asking “what does this have to do with the title ‘What is credit repair anyway?'” Well, I am glad you asked. One of the key components of any networking group is to meet with other members one-on-one in order to get to know each other and their respective businesses better. Without fail, whenever I do a one-on-one with someone they either ask “what is credit repair anyway?” or, “so, how does credit repair work?”. That is the question I am waiting for them to ask. I love to answer it.

Credit repair in a nutshell:

The first step is to obtain your credit reports and get them to us. Once we’ve received your credit reports, we will analyze your credit history to identify items that are responsible for bringing your credit score down – including not having enough current positive credit.

We will recommend and provide ways to increase your score, as well as draft letters to dispute the negative items on your behalf. Upgrade My Credit’s letters are expertly designed such that credit bureaus will accept the dispute and conduct an investigation.

A disputed credit listing must be verified as accurate and within the correct time constraints for it to remain on the credit report. If the credit listings contain an error, the credit bureau may simply correct the item, but, very often, disputed credit items cannot be verified because either the creditor no longer possesses necessary information or does not to go to the effort of verifying it. Furthermore, the investigation must be completed within 30 days or the listing must be removed. For these reasons, properly disputed credit listings are removed from your credit report with remarkable frequency.

At the conclusion of the credit bureau’s investigation, a new copy of the credit report is sent to you along with any deletions or improvements. You then provide us with a copy of the new credit report and the cycle repeats itself at strategic intervals and according to a personalized plan for reaching your goals.

The above process can be done DIY (Do it yourself), as the laws used by Upgrade My Credit and all credit restoration companies were written for the consumer. However, for some reason, the government did not write the laws consumer-user friendly. And, just like we need a CPA or even have someone mow the lawn for us, often times, it is more efficient and quicker to let a professional help.

In addition to credit repair, Upgrade My Credit offers many more financial and credit services to help you build and manage your financial future well, such as personal budgeting help, debt reduction programs, classes and workshops, bankruptcy counseling, etc.

Well, that is it in a nutshell. Hope it has answered the question “what is credit repair?”.

Here’s to your financial future!

Blair Warner – Founder and Sr. Credit Consultant

I met with a past client the other day whose story inspired me, and I want to share it with you toward that same end — that you will be inspired. At the beginning of this story this person was in her late 30’s, had 3 children (not 2.3) and a hard-working, devoted husband. Things were rolling along uneventful, so to speak, when her husband was suddenly killed, almost instantly, when hit by a speeding car while checking the mail. Needless to say, her life was turned upside down and very challenging on many fronts for a while. Fortunately, Spring comes after Winter, and she is well on her way to a happy ending.

continue story           Click “return to original post” to return here..

Everyone has a story. In fact, it is your story that makes you unique. Stories offer the listener a new perspective, new experience, even a new adventure of sorts, while at the same time often sounding a ring of familiarity to each one of us as a common member of the human race. That’s why it is said “everyone LOVES a story” — and stories are not just for children. Look at how many movies and novels are pumped out every year. It is also said that “‘everyone has a story”. What is your story? Have you thought about what you would share with someone if you had 5-10 min to share a story of your life in a way that would leave the listeners …… kind of a “Personal Chicken Soup”? Of course, there are stories of the personal, private nature. I am not asking for stories reserved for those closest to us, but for those that if shared will inspire and encourage. Inspire us! Share it as a comment.

At Upgrade My Credit we get to hear, and be a part of many people’s stories as they come to us with credit, debt and budget problems affecting their financial lives and futures. It is our privilege to help.

Cheers,

By Blair Warner

Well, another year is upon us. I remember last year everyone saying “Let’s Win in 2010!”. Did you win? I’ve been thinking of a slogan for 2011, and the only one I can come up with is “2011 is made in Heaven!”. If you can think of any share it with us.

2011 marks 4 years since the announcement of the end of sub-prime lending, and 3 years since the whole mortgage and real estate industry turned upside down. Many changes have taken place, and this year will see the last of them implemented, for the most part. What does that mean for us. First, it will mark the beginning of a semblance of stability, and people like stability. Most of us like predictability with a dash of adventure, not the other way around. I believe this feeling that things are becoming more stable and predictable again will trigger the move into trying new things again, which is what America needs at the moment.

Hopefully, one of the movements we will see as confidence increases is home buying–especially by first time home buyers. This is still a good time to buy!  Rates may go up a bit, but will still hover around 5%, which is a whole percent lower than I got in 2002 for my current house.

If you are thinking about buying a home this year, first get your credit and debt situation worked out. There is no use of looking at houses with your Realtor if you are not sure if you qualify for a home loan. Upgrade My Credit specializes in helping people improve their credit and lower their debt so that they can get a home loan. This can be your year! Give us a call.

Best to you,

Blair
www.upgrademycredit.com

The following is an article on strategic partnerships by Donnie Keller of Reata Realty. Strategic partnership, referral partner, affiliate, it is called by many names, but it all boils down to working together toward success that better serves the customer.

Strategic partnerships article link

Happy reading, and if you want to explore partnering with Upgrade My Credit, see our Affiliate Area.

Upgrade My Credit

Getting through a divorce is one of the most challenging situations in life. It can be both emotionally and mentally draining. Add to that, there are financial issues involved. If you have just been through divorce procedures, what can you do to avoid the threat of bankruptcy?

Find a new home. Some couples may agree to sell their home and find separate properties. If you plan to purchase a new house, make sure that you do not make decisions in a hurry. Do extensive research and consider your repayment capabilities before applying for a loan. It is also wise to get a pre-approval so you can have a more realistic idea as to the price of home you can afford.

Be financially independent. If you have joint bank accounts or credit card extensions, it is best to have these separated. Thus, possible issues or problems on money matters can be avoided.

If you haven’t done so, open your own savings account right away. Be sure to save up for minor emergencies as well. Build your savings account fund which can last you for a least six months or longer just in case you need to take a leave from work or find a new job.

Create a new budget system. Budgeting your money will be different now that you and your spouse are separated. Study your monthly expenses and find practical ways to cut back on your costs. If you have unpaid debts with any creditor, debt repayment should be put on top of your priorities.

Get an insurance policy. Do you have a health insurance plan for you and your kids? Even if it means getting a second job, having an insurance coverage gives you financial protection during times of need.

Get help. Seek advice from an attorney regarding your rights and obligations, particularly with regards to giving financial support to your kids. A trusted credit counselor can also give you better strategies in managing debt and finances.

Upgrade My Credit can help!

Plan ahead.

Blair

Welcome to our new site and blog! It can truly be said that this website is a creation in the making. it will probably always be in a state of flux–for the better, of course. However, the basic layout and content is here, ready for all eyes, and your feedback. Yes, your honest feedback is desired, both positive and, well, hopefully not too negative, but “constructive” at least. Your suggestions of how it can be better, what content you would like to see, visual layout, etc. are all welcome, for in actuality, websites are for you, the viewer.

If you don’t want to comment publicly, feel free to send us an email or send it through our support desk on the far left of the screen. And the blogging begins!