Is Credit Repair Legal?

[HTDI-Brian]

Yes, you are given the right under the Fair Credit Reporting Act (FCRA), including the right to challenge inaccurate, misleading and obsolete items appearing on your credit report. HTDI Financial uses every venue available to you under the law to help you assert these rights.


Disputing items on your credit report is your legal right (see the Fair Credit Reporting Act). When you use HTDI Financial to help repair your credit, we are abiding by and using all federal and regional laws regulating third party credit repair assistance.

[HTDI-Brian]

Dealerships can refer customers to our product, track their credit score increase and decide when the customer is ready for prime financing…doubling or tripling the potential dealer profit, and delivering more units with the same amount of customers coming through the doors.

The system is designed to capture prospects or potential customers you never even had. Get the most out of your website by using the banners and links provided by HTDI Financial and placing them on your website to maximize your capture of the many car buyers browsing your site.

Your personalized "Up" portal page offering a Free Credit Repair Evaluation will capture more customers email addresses and phone numbers from new to existing customers. With instant notification to you!

Detailed credit information on your customers from the three credit bureaus.

Once a customer has been entered into your portal page and the credit repair process has begun you will be able to view the specific details of their credit reports and watch as the items are removed. This gives you the information you need to accurately evaluate when a customer's credit worthiness has reached a point that you can initiate contact with them.



Using HTDI Financials proprietary software, Dealerships can refer customers to our product, track their credit score increase and decide when the customer is ready for prime financing…doubling or tripling the potential dealer profit, and delivering more units with the same amount of customers coming through the doors.

Imagine a customer loyalty program that allows the dealers to build solid relationships with these customers where you track your customers and their credit picture … all at the click of a mouse!

Did I mention the $50 referral fee for every client you send to us who enrolls?
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Call me for more information or sign up at http://signup.IncreaseYourLoans.com.

[stella]

Repairing Your Credit Report is no easy task. It takes some specific knowledge and a basic eduation to clean your credit report and improve your scores. And you must be very careful how you go about the process. A wrong move can actually have a negative impact.

All it takes is a little know-how and an understanding of the basic fundamentals to improve your scores and have good clean credit. Once you have a basic education, you will be able to fix your credit and be well armed to keep your scores high, maintaining healthy credit report forever.

Stella

[HTDI-Brian]

Thanks for the post Stella ... but I have to disagree with you. It takes much more than a basic education to delete negative items from your credit report. Knowing the specifics of the ever-changing laws is crucial. Now if the consumer knows the in's and out's of the laws as well as HTDI Financial and has years of experience doing this work day in day out, they could possibly get the same results. They can also represent themselves in a court of law, do their own taxes and sell their own homes. But they hire attorneys, accountants, and realtors everyday to get the job done most effectively and as quickly as possible.

[HTDI-Brian]

I'm a credit repair specialist as well. I've repaired many people's credit including my own and to be honest with you it's really not that hard.

Brian, you say "Knowing the specifics of the ever-changing laws is crucial."

But, the FCRA hasn't changed since 2004. The average consumer CAN repair their own credit. It will take some hours of research, but it shouldn't be represented to them that they must have a law degree.

Some people just choose not to learn it and that's fine. But, I think that it's important to learn it to really understand the credit game. Knowing about credit reports, credit scores and consumer law can save you a lot of time and money.

Chane,

First, I never represented that they needed a law degree. As a matter of fact when you pay a lawyer for credit repair you are paying for a novelty. The only time legal representation is called for is when you are preparing to file suit against a particular creditor or credit bureau.

Fixing credit is NOT easy. One must have extensive knowledge of the Fair Credit Reporting Act and an arsenal of aggressive tactics to get around the credit bureaus defense strategy of attrition and delay.

I noticed on your website you list the top ten credit repair companies. Your number one pick has almost 300 BBB complaints against them. Is this your true pick or are you an affiliate with them?