Credit Repair Houston - How We Help

HOW WE HELP At Credit Repair Houston: We start with a free evaluation and create a credit repair plan. A good credit repair plan is more than just filing credit disputes. Good credit requires income above expenses, proper budgeting, on time bill paying, and if required, a negotiation of payment plans with creditors. A credit repair plan starts with a review of your credit report to look for questionable, inaccurate, incomplete, untimely, and biased information. The law requires an investigation into a, non frivolous, credit dispute within 30 days. When the credit report investigation is complete, the credit bureau must provide the results of the credit report dispute in writing. Inaccurate, unverifiable, deleted, items are not allowed back into your credit report. The credit bureau must also provide the name, address and phone number of the furnisher of information. Credit repair doesn't begin and end with the credit bureau. Often times it is more effective to work with the original creditor and/or collection agent depending upon the circumstances and goals.

The credit repair Houston process begins with a free evaluation. Give us a call when you are ready to get started.

Debt Collector Threatens to "dig up daughter" over funeral debt.

You really can't make this stuff up. Seems credit repair houston is fighting the good fight with stories like these. In this case, the FTC is cracking down on debt collectors that are making threats that are absurd.

For more on the story here:

Debt collectors generate more complaints to the FTC than any other industry, according to government agency. Last year, there were 144,159 filings against collection companies, the second largest category of complaints to the FTC. There were 250,854 identity theft related complaints last year, or 19 percent of all complaints.

Credit Repair Houston Texas

Credit repair Houston Texas: Many people reflexively believe credit repair begins and ends with a dispute to the credit bureau. At Credit Repair Houston, Texas, many times the first step is to contact the creditor, validate the debt, if proven ( to the standard required by the FDCPA, FCRA, FACTA ) negotiate a reasonable, timely, best, outcome. It's not rocket science but it can be timely, expensive going about it the wrong way.

Free Evaluation:
We provide free Credit Repair evaluation. We act as the diagnostician. We perform an exhaustive qualitative, as well as quantitative, analysis of a credit report. There is no obligation. However we have an obligation. That is we must identify the problems on the credit report. How are the problems effecting the credit score and what it will take to get the score where it needs to be.

No setup fee:
Most of our clients charge some sort of automatic payment that includes a setup fee. Unique to consumer credit capital we do not charge any type of set up fee or require any type of long term contract for our services.

No long term contract:
Unique to Consumer Credit Capital we do not have a long term contract. There is no long term obligation. A client can cancel at any time. Credit repair Houston pay as you go after services are completed.

Credit Repair Houston

Who is Credit Repair Houston?

A registered, bonded - No Upfront Fee - credit repair company staffed with dedicated professionals with experience dealing with credit bureaus, debt collectors and original creditors, who can assist you in addressing any credit repair need.

HOW WE HELP: A credit repair plan begins with a review of your personal finances, credit reports and credit scores. Once you have been assigned a credit repair specialist together you will create a credit repair plan. Finally, you will execute the credit repair plan agreed upon and monitor the credit score improvement.

Give Consumer Credit Capital a call for your free credit repair evaluation!

Shake-Down: Debt Collection Company unjustly collects $9.4 million according to District Court

The company called nationwide and threatened people who picked up the phone a lawsuite was on the way. The company was recently What many pressured by debt and debt collectors do not know is a debt collector can not legally threaten any action they do not intend to take. Doing so is a clear violation of the Federal Debt Collection Practices Act- FDCPA. Moreover, this violation is easy to prove. Simply put, if the company's normal practice is not to sue in similar cases a threat to sue is against the law. For the inquiring mind, the FDCPA legislation is here FDCPA. If you have questions about a credit account visit Credit Repair Houston a visit for a free evaluation.

For more on the court action you can find it here

Texas Foreclosure Fraud

let's take a look

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Bank of America, JPMorgan Get Texas Subpoenas on Foreclosures

Bank of America Corp., JPMorgan Chase & Co. and seven other banks or loan servicers were subpoenaed by Texas Attorney General Greg Abbott for information about their foreclosure practices, a spokesman said.

“The state is subpoenaing information and documents,” Jerry Strickland, the spokesman, said yesterday in an interview. He didn’t elaborate. The state also subpoenaed Ally Financial Inc., CitiMortgage Inc. and Wells Fargo & Co.

Abbott began investigating foreclosure practices in Texas following the disclosure of a December deposition in which an employee of Ally’s GMAC Mortgage unit testified that his team signed about 10,000 documents a month without verifying their accuracy. On Oct. 13, all 50 state attorneys general announced a joint investigation of foreclosures.

http://www.bloomberg.com/news/2010-10-25/jpmorgan-bank-of-america-subpoenaed-by-texas-attorney-general.html

Interest Rates Continue Lower

let's take a look

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Plunging Rates for Refinancing Aid the Thrifty

For those sober souls who were thrifty long before it became fashionable, the last few years have been intensely aggravating

They did nothing to cause therecession, but they absorbed the pain. Their stock portfolios languished. The values of their homes skidded. Their savings still do not earn enough interest each month to buy a pack of gum.

Now, at last, the frugal are celebrating. With a leg up on their less creditworthy neighbors, they are qualifying for refinanced home mortgages at interest rates that in any other recent era would have been considered stealing. And unlike in late 2008, when rates started their plunge to historic lows, many lenders say they are rushing to accommodate the influx in applications.

http://www.nytimes.com/2010/10/23/business/23refinance.html?_r=1&src=me&ref=general