Credit Repair Business Overview Sat March 14th 10am

FES Detailed Corporate Overview this Saturday 3.14.2015 @ 10.00 am 2731 Fenton St, Chula Vista 91914.
Attending this detailed corporate overview gives you the chance to get a much larger picture about what FES has to offer, in terms of the essential services we provide, the exclusive and valuable Protection Membership so many people are benefiting from, the vast market place available and the lucrative career opportunities and unprecedented benefits we have for those looking to capitalize on our tremendous growth and expansion.

Call 619 743 8884 for details

How Mistakes Occur in Your Credit Report

How Mistakes Occur in Your Credit Report by Mike Watson in San Diego Ever wonder why your credit report has inaccurate information? Credit reports often contain errors due to one of the following reasons:  Loans or credit card information is applied to the wrong account. This is a frequent occurrence with fathers and sons if a “Senior” or “Junior” is omitted when filling out an application. You may have unknowingly caused an error by filling out credit applications with different names. Here are two examples of frequent occurrences: You may fill out a department store credit application as Bill Smith and a mortgage application as William R. Smith. An applicant may apply for credit as Margaret Jones, Peggy Jones or Margaret Conrad-Jones. You entered your Social Security number incorrectly on the application. A clerical error was made when the lender transferred the data from the application. Payment data is applied to the wrong account by the credit bureau. If you need help removing derogatory items from your credit report call Credit Repair Mike on 619 743 8884 1 month and up to 12 months service for only $499 no matter how many negative items you have on your credit report Name Phone Comment Submit Δ

What’s In Your Credit Report?

What’s In Your Credit Report? by Credit Repair Mike in San Diego

Although each credit reporting agency formats and reports this information differently, all credit reports contain basically the same categories of information. Identifying Information. Your name, address, Social Security number, date of birth and employment information are used to identify you. These factors are not used in credit scoring. Updates to this information come from information you supply to lenders. Trade Lines. These are your credit accounts. Lenders report on each account you have established with them. They report the type of account (bank card, auto loan, mortgage, etc.), the date you opened the account, your credit limit or loan amount, the account balance, and your payment history. Credit Inquiries. When you apply for a loan, you authorize your lender to ask for a copy of your credit report. This is how inquiries appear on your credit report. The inquiries section contains a list of everyone who accessed your credit report within the last two years. The report you see lists both “voluntary” inquiries, initiated by your own requests for credit, and “involuntary” inquiries, such as when lenders order your report so as to make you a pre-approved credit offer in the mail. Public Record and Collection Items. Credit reporting agencies also collect public record information from state and county courts, and information on overdue debt from collection agencies. Public record information includes bankruptcies, foreclosures, law suits, wage attachments, liens and judgments. Thanks For Reading Mike Watson 619 743 8884 http://www.CreditRepairMike.com Name(required) Email(required) Question Submit Δ

Why Choose Us For Your Credit Repair? It’s Simple……

Why Choose Us? by Credit Repair Mike in San Diego…

Financial Education Services It’s simple really. We have the knowledge, experience and most effective approach to credit restoration in the industry. FES Protection Plan is proud to offer our time proven strategies, including the industry’s first proactive and interactive customer service. In short, clients receive regular progress reports detailing the status of their credit file, including the number of dispute cycles completed and the number of deleted items. Our customer support team is on hand to personally answer any questions by phone or email, or clients may choose to access their account details online any time of day or night. Let our professionals work for you. Enroll today and join the thousands of other clients who are enjoying the benefits of improved credit. Money-back guarantee Exceptional “A” rating with Better Business Bureau Outstanding deletion rate Unlimited access to our online library of our credit education and resource center Monitor your progress around the clock 24 hours a day, 7 days a week, 365 days a year Testimonials from happy, satisfied clients Thanks for Reading Mike Watson Regional Sales Director with FES 619 743 8884 http://www.CreditRepairMike.com

How Long Do Negative Items Stay On a Credit Report?

How Long Do Negative Items Stay On a Credit Report? By Mike Watson – San Diego’s Affordable Credit Repair www.CreditRepairMike.com

Negative credit accounts, or trade lines, can remain on your credit report for up to 7 years, and bankruptcies and other public records for up to 10 years. Inquiries on your credit report may remain for 2 years. These are the maximum times that are permitted by federal law for reporting agencies to show negative items; however, these times are not mandatory. At any time, a creditor or credit bureau may remove a derogatory remark from your credit report if the consumer requests an investigation into remarks that they feel are incorrect. Thanks For Reading Mike Watson 619 734 9454 7349454@gmail.com www.RaiseMyCreditScore.org

How Mistakes Occur in Your Credit File

How Mistakes Occur in Your Credit File  By Mike Watson www.CreditRepairMike.com   Ever wonder why your credit report has inaccurate information? Credit reports often contain errors due to one of the following reasons:

Loans or credit card information is applied to the wrong account. This is a frequent occurrence with fathers and sons if a “Senior” or “Junior” is omitted when filling out an application. You may have unknowingly caused an error by filling out credit applications with different names. Here are two examples of frequent occurrences: You may fill out a department store credit application as Mike Watson and a mortgage application as Michael P. Watson. An applicant may apply for credit as Margaret Jones, Peggy Jones or Margaret Conrad-Jones. You entered your Social Security number incorrectly on the application. A clerical error was made when the lender transferred the data from the application. Payment data is applied to the wrong account by the credit bureau. Thanks for reading Mike Watson www.CreditRepairMike.com www.RaiseMyCreditScore.org 619 734 9454 7349454@gmail.com

Six Worst Items on Your Credit Report

The Six Worst Items to Appear On Your Credit Report  From www.CreditRepairMike.com It’s easy to make mistakes or experience hardship when it comes to paying your bills. However some mistakes are so detrimental you need to avoid them at all cost. Since future creditors and lenders use your credit report to make decisions about you, it’s important to understand how each of these negative items impact your credit file.

1.    Charge-offs Missing your payments for 6 months or more could cause your creditors to classify your account as uncollectible. When this happens, the creditors write that debt off as a loss against their income taxes. Charged-off accounts are allowed to be reported on your credit report for seven years. Just because a debt is charged off does not mean the debt is forgiven. The money is still owed. The creditor will usually sell or assign the debt to a collection agency or a lawyer to pursue collection. Having charge offs on your credit report usually results in the consumer being denied credit by other lenders. Worse yet, it can also affect the interest rate that other lenders charge on current debts even if those lenders were not impacted by the charge off themselves. If you find yourself late on your payments, you should always try to contact the lender and let them know you are having problems meeting your financial obligations. Ignoring the situation and letting it get to charge off status always makes it worse. You can usually avoid your account being charged off by at least letting them know you intend to pay and by at least making small payments as often as you can. It’s much easier to get a paid charge off removed from your credit report than it is an unpaid charge off. When you dispute the charge off with the credit bureaus, they have 30 days to verify the account with the creditor. If the account is paid, many times the creditor will just ignore the verification request. Creditors report charge offs so that they can negatively impact your credit score, thereby making it more likely you will want to pay the debt. Click on the link below to have your credit repair questions answered.

2.    Collections Not only will creditors charge-off your account after a period of non-payment, they may also hire a third-party debt collector to attempt to collect payment from you. Your credit report may or may not be updated to reflect a collection status.

3.    Bankruptcy Filing bankruptcy allows you to legally remove liability for some or all of your debts, depending on the type of bankruptcy you file. Your credit report will reflect both the public record and each of the accounts you included in your bankruptcy. Even though the bankruptcy information can legally remain on your credit report for seven to 10 years, you can begin rebuilding your credit soon after your debts have been discharged.

4.    Foreclosure If you default on your mortgage loan, your lender will repossess your home and auction it off to recover the amount of the mortgage. This process is known as foreclosure. When your home is foreclosed it can severely damage your credit, limiting your ability to obtain new credit for several years in the future. A foreclosure can remain on your credit report for seven years.

5.    Tax liens If you don’t pay property taxes on your home or another piece of property, the government can seize the property and auction it off for the unpaid taxes. Even if your home is foreclosed because of a tax lien, you are still responsible for the mortgage loan. Non-payment of the mortgage will also hurt your credit. Unpaid tax liens can remain on your credit report indefinitely, while paid tax liens remain for 10.

6.    Lawsuits or judgments Some creditors may take you to court and sue you for payment on a debt if other collection methods fail. If the lawsuit proceeds and a judgment is entered against you, it can remain on your credit report for 7 years from the date of filing, even after you satisfy the judgment. Thanks for Reading Mike Watson www.CreditRepairMike.com 619 734 9454 7349454@gmail.com

How Does Credit Repair Work?

United Credit Education Services is the leading company specializing in credit restoration. Our processing center utilizes the latest technology ensuring fast, accurate service for our customers. Our team of experienced professionals is highly knowledgeable and holds the Credit Reporting Agencies accountable to utilize the newest legislation regarding the Federal Trade Commission guidelines and the Fair Credit Reporting Act.Your dollar is more important to you than ever, and at United Credit we are constantly looking for ways to maximize and improve the value of the services we provide. With this in mind, our credit restoration service provides the industry’s most comprehensive program to consumers who have been turned down for a mortgage, car loan, credit card or any type of credit due to credit problems. Our credit analysts will research out-dated, inaccurate and unverifiable entries on your credit reports that negatively affect your credit score, such as late payments, bankruptcies, judgments, collections, tax liens and much more. In addition to the credit restoration process, our extensive library of credit education and budgeting information will help you to maximize your credit score in three additional important ways – by showing you how to read and interpret your credit report, by showing you how your credit score is calculated, and by helping you understand and improve your personal finances. United Credit will enable you to: Understand the components of a credit score and how it’s calculated Understand how to read and interpret your credit file, and understand the difference in ratings between mortgage, installment and credit accounts Understand how certain bill paying habits may be adversely affecting your credit score Understand the impact of the amount of credit you are currently using Provide useful tools for establishing and maintaining a budget It’s easy! Join UCES and discover what good credit can do for you and the money that you will SAVE with lower interest rates on credit cards and lower rates for insurance, auto loans and mortgage payments. Follow these simple steps to get the good credit you deserve: Contact your FES sales agent on 619 734 9454 or visit Mikes Web site to complete our simple online enrollment form. After obtaining your credit reports, customized dispute letters will be prepared and sent to you for your approval. We are happy to modify dispute letters when needed. This is especially helpful in the case of mixed credit files among family members, identity theft, or account information that has not been updated in regard to balances or payoffs. Clients are strongly encouraged to attach any support documentation to their dispute letters that may assist and expedite the dispute process. The credit bureaus will mail back a response within 30 days of receiving your dispute letters. Responses will be sent directly to you so you can see the results as they occur. It is imperative that you forward your updated credit reports to our offices to ensure that we are working with accurate information and add any new items, should they appear, to your next set of dispute letters. Your file will be updated and your next set of dispute letters will be prepared and mailed to you. New dispute letters will be sent to you approximately every 60 days throughout your enrollment. Though we can’t guarantee that every derogatory account from your credit file will be removed, we will do our utmost to improve your credit, and educate you with proven techniques on re-establishing your credit. Our Customer Support Department is happy to provide additional information to improve your credit score, and help to build and maintain your credit file. We are committed to providing you every assistance possible to help you reach your credit goals. Thanks for reading Mike Watson 619 734 9454 www.CreditRepairMike.com