Mycfcr.com A DIY CreditRehab Guide for people with Bad Credit :)
The Center for Credit Rehabilitation
The answer: You need to take the first step towards credit wellness; you need a real credit education taught by true professionals.
CreditRehab & Credit Wellness The journey towards credit wellness has its ups and downs like any other, what is important is to never lose sight of your dream or your goal. To some its home ownership to others it is financial freedom. What ever your dream or what ever your goal remember this, each day you invest in yourself and your credit is one more day closer to achieving those dreams or goals. With our Do It Yourself CreditRehab guide and your dedication you will achieve your dreams faster than you would without. The Center for Credit Rehabilitation is committed to providing you with the best information and support in your quest for credit education and rehabilitation.
CreditRehab
Achieve a New You CreditRehab™ is more than a simple program designed to help you rehabilitate your credit. It’s a solution that will help you to discover a new life. Imagine a new you with a good healthy credit profile, renewed self-esteem and happiness, and the ability to live the life you want to live. It’s possible with your desire and determination coupled with the support of our instructors at CreditRehab™.
Our Three-Part Approach The Do It Yourself CreditRehab™ Guide is made up of three key parts – Credit rehabilitation, emotional conditioning and credit education.
•Designed With You in Mind The DIY CreditRehab™ Guide is designed and developed using your personal goals, immediate needs and available resources. This program is custom to only you, using your goals and dreams and can be modified as you achieve success. Achieving your goals efficiently is the reason we are here to support you every step of the way.
•Emotional Conditioning We realize that life happens, and there are events that are outside of our control. We understand that your credit is a very emotional part of your life that can affect everyone in your family – Not just you. While you begin by addressing the impaired portion of your credit, you can never lose sight of your goals and what you are accomplishing to achieve them. Remember its okay, it’s always okay, and together we can place you on the path that will get you back on track and ease your anxiety, ultimately improving your quality of life.
•Education is the key This DIY CreditRehab™ Guide is a personalized and interactive tool designed to help enable your long-term success. Once educated with the knowledge on how to make your credit work for you, you’ll naturally establish new healthy habits in the areas where you struggled previously. The education is the most important key to credit well being. How to use your credit to benefit you rather than having your credit drag you down is the difference between success and failure with our program. You will understand how to read your credit report and how lenders perceive your financial responsibility over the last ten years. You will have the tools to overcome the past and focus on the future. Simply put, you'll have the knowledge to succeed!
Our Services
The Principles at CreditRehab™ offer two solutions for potential clients.
This first solution is a 12 month contract whereas The Center for Credit Rehabilitation works hand in hand with you the client to coach and guide them through the CreditRehab process. This solution was designed for those busy individuals who may not have the time or commitment required to devote to CreditRehab™.CreditRehab™ has a one-on-one custom solution that is tailored to the client’s personal needs, goals and wants.{{{2}}}
The second is a Do It Yourself CreditRehab™ Guide. This guide is more economical and offers the client the luxury of achieving credit wellness at his or her own pace from the comfort of home. The program used in both applications is virtually the same.
- CreditRehab™ offers a comprehensive "Do It Yourself" CreditRehab™ Guide to credit wellness. This solution and its supporting documentation were created for those clients who have the time and dedication to devote to achieving credit wellness.
- The DIY CreditRehab™ Guide was developed by financial and legal professionals encompassing over ten years of professional bank lending and legal expertise. It also condenses and translates professional third party public education information like the FTC, The Fair Credit Reporting Act, The Fair Debt Collections Practices Act and the three major credit reporting agency's Experian, Equifax and TransUnion.
- Is the fundamental resource that can be custom tailored to each client’s immediate needs, personal wants and future goals. CreditRehab™ addresses the impaired credit profile, and is the foundation upon which you begin rebuilding credit wellness. Our proven technique's for Rehabilitating the old credit at the same time you establish new positive credit is the trademark of the CreditRehab™ element.
- MortgageConditioning
- Is a supporting resource offered again as a personal solution in conjunction with CreditRehab™. Created by Mortgage Lenders utilizing the latest lender guidelines it affords clients the luxury to begin “conditioning” their imperfect credit profile in preparation to purchase a home. MortgageConditioning is not only the complimentary process of CreditRehab™, but it is the precursor to FICOBoost.
- FICOBoost
- The third in the line of credit wellness resources offered by The Center for Credit Rehabilitation, FICOBoost is the combination of Education, Psychology and CreditRehab™ predicated on the notion that once a client achieves credit wellness they will strive to maintain a superior credit position indefinitely.
- CreditEDU
- Is the final personalized resource and by far the most important offered by The CFCR. The Center for Credit Rehabilitation utilizes this resource in each element of wellness to achieve a superior understanding of not only the resources above, but for all future credit decisions. Education builds confidence – which builds self esteem – which builds a better borrower who is able to make better informed intelligent decisions when using credit.
Identity Protection
The Center for Credit Rehabilitation in addition to the above resources, includes a guide on ways to protect your identity and why. The question asked most by new clients is "I have bad credit, why would someone want to steal my identity?"
The simple answer is there is no expiration on your social security number. If an ID Thief has your information, they can sit on it for years and years without you ever knowing they have it. Think about it, you work so hard and invest so much time and effort into getting your credit back to AAA status just to give it away to a credit thief and start over? I don’t think so.
Resolving Old Debts
By far the biggest chapter is The DIY CreditRehab™ Guide is the one dedicated to resolving impaired, old, outdated debts that seem to prevent normal life from progressing. Once you have a keen understanding of how to use your credit it will be time to begin the arduous task of resolving the old debts. As you review your outstanding debts you will formulate and create a plan to identify, verify, and satisfy every last one of your impairments.
In this guide we use real examples from past clients including their personal methods used and the success they had using them. We also include the real client letters they sent to the reporting agencies and their effectiveness. There is nothing better than to read about "how" someone like you achieved credit wellness with a little hard work, dedication and the DIY CreditRehab™ Guide to Credit Wellness
We have clients who have successfully, permanently and legally removed the following types of derogatory entries off their personal credit reports:
- Bankruptcy
- Foreclosure
- Judgments
- Collections
- Tax liens
- Late Payments
- Charge-off's
- Phantom Collections
- Unknown Credit Inquiries
Having a negative mark on your credit report hurts your credit score. Even though a negative mark will affect your credit less as it gets older, the entry will remain on your credit report for seven years or more for future creditors, lenders and employers to see and scrutinize. The best type of negative credit mark is to not have one. Our clients have had great success in removing negative marks that we reporting incorrectly. We include their stories including their actual letters in our DIY CreditRehab™ Guide. Keep in mind that if there is a negative entry on your personal credit profile that is reporting accurately, it cannot be removed.
Letters of Explanation
In the DIY CreditRehab™ Guide we discuss and outline (using real examples) the importance of a Letter of Explanation or "LOX" and how to write them. Bank lenders today require "LOX's" for any recent credit inquires and for any past derogatory, regardless of the age.
A Letter of Explanation is a letter written by the applicant addressing any negative mark or inquiry on the credit report outlining the circumstances, remedy and future prevention steps providing the underwriter supporting documentation or proof when available.
Establishing New Trade lines
Credit and Credit Cards are a fact of life. Well for most of us they are. Let say you need to make a hotel or plane reservation, or to rent a car, even if you plan to pay cash, you will need a major credit card. Many stores require a credit card to accept your personal check. Responsible use of credit and a credit card builds a good credit rating too, and can be the best way to help qualify for a loan.
Since this program was created by former bank lenders, it is not specifically designed for those who wish to use cash for everything but rather for those who wish to obtain and use credit.
In the DIY CreditRehab™ Guide we again use actual client success stories including their techniques and personal outcomes. Millions of people suffer from an impaired credit profile, and millions more work for years to rehabilitate it. We want you to achieve credit wellness in the shortest amount of time with the least amount of resistance.
Are you ready to become one of our success stories?
CreditRehab Support
Having a support network is crucial to your success. The Center for Credit Rehabilitation has created just the vehicle which allows you to ask your credit questions and quickly receive and share the answers. It’s called Mycfcr Forum and it’s a free resource to the open to the general public.
As a free member of Mycfcr Forum you are able to post topics and questions that you need answers to. This forum is moderated by Bank Lenders, Attorneys who specialize in credit law, past and current clients and people like you. Remember there are about 88 million people who need credit answers just like you! This resource will allow that to happen.
External Links
- Alexa: Mycfcr.com
- WHOIS for Mycfcr.com
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