The truth about credit repair & the bubble of yours that needs bursting
You may be getting frustrated with your disputes and wanting to jump ship/throw in the towel/etc.
I get it. Results are NOT easy to come by. It takes PATIENCE and it seems to be something that literally no one has these days. It takes HARD WORK. I could go on for like 2 hours about how lazy people are, looking for that next "get rich without lifting a finger and do it overnight" type of thing. Nobody wants to put on their big-boy pants.
Well, I'm here to break your little bubble.
Everyone else wants to feed you a lie and dig into your pocket. It's all about the sales gimmic. Oh, haven't you heard about the letter-to-end-all-disputes, the 14-day sweep, the 4-letter remove it or I'll sue you, the guaranteed deletion in 4 business days credit repair lies? It doesn't exist. If it did, you wouldn't be reading this because you'd be doing it or would have done it already and you'd be sitting in that brand new car or reading a book on the veranda instead of checking out this post while driving your hoopty (put the phone down).
It amazes me that people tell me they thought it would only take 60 days to remove their charge-off or repo... Like, where did you get that info? You thought you'd wait until 2 months before you apply for a house to get rid of your $15k charge-off so that you could qualify for a $500k loan? Oh, and you don't want to pay $1000 so that you can get that $15k charge-off off to qualify for that $500k loan? Seriously? Don't you think they put it on your credit report to being with to ensure that other creditors know that you're a risk so that you don't get what you want?
So this is where we begin (generally):
- It's going to take you about a year to get your credit together so that you can get your life together.
- It's going to be REALLY difficult and you're more than likely going to spend between $1000-2000 to do so.
- You're going to have to pay your bills on time and if you haven't learned to do this yet, you do not want to start working on your credit.
- If you owe your creditors and it's within the SOL, they can take you to court
- If something is removed from your credit report, you STILL owe it
My recommendation:
See this for what it really is. Your credit is the ONE thing that stands in the way of the lifestyle that you want and the things in life that are needed, not just wanted. You need to put in the same intensity to fixing your credit as you did ruining it and that's accomplished, you'll be truly free.
Start by recognizing that this is an uphill battle and that there's going to be some bloodshed. Know that if you go all the way through, you'll come out on the other side with some really cool looking scars.
If you are able to see the truth in this, then you have a great chance of being helped.
If you need help, there are some great resources that can help, and I offer a lot of them.
If you're done with the sales gimmics and want to get some cool battle scars, schedule a free call at https://www.expertcreditsweeps.com/bookonline
Cheers,
Kristin
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