A Very Expensive Mistake! Deciding to NOT repair errors that appear on your credit report is arguably one of the most expensive wrong decisions you can make. Living with low credit scores can cause some or all of the following in your life:
- Denial of Insurance Coverage
- Denial for Home Mortgages or Auto Loans
- Loss of Career Opportunity (not being hired)
- Paying High Interest Rates for All Consumer Debt
- Denial of Utility and Cell Phone Services
What's the Cost of Bad Credit?
Auto Insurance - While there are very few, if any, states that still allow insurance companies to deny you coverage, there can be a profound difference in premiums between insured consumers with very good credit and very poor credit. Our telephone surveys indicate pricing differences of up to 25%. Good credit could mean a net savings of several hundred dollars per year.
Home Mortgage - Bad credit in the mortgage world could mean the difference between an approval and a denial for funding. If approved, your mortgage interest rate could easily be 2-3% higher than your contemporaries who have good credit. Bad credit mortgages also often have hefty penalties when you leave the loan. The result: Good credit can easily save you thousands of dollars in interest, fees, and penalties over your loan's life. (If you are uncertain as to whether or not you might qualify for a mortgage based on your current situation, Click Here to contact a Professional Mortgage Loan Officer to find out.)
Careers and Jobs - Employers routinely run credit checks for potential new hires. For better or for worse, many feel that a person who does not care for their credit may not be a trusted employee. Bottom Line: Good credit is an insurance policy for those employers who might otherwise render you ineligible for hire. This could mean tens of thousands of dollars more in your pocket.
Consumer Services - If you are trying to extend your credit, getting a cell phone, signing up for utility services, or trying to purchase or lease a new vehicle, a poor credit report portrays you as a credit risk. You may have to place a much more significant deposit for services, presuming you are even approved for them. Good credit could mean no hassles and no downpayment or deposit for many of your needed services.
Solutions to Your Credit Problems...
There are basically two different ways to repair or restore broken, bruised or blemished credit: Self-Help and Professional Services.
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Self-Help Credit Repair |
Professional Credit Restoration |
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Effectiveness |
Typically marginal results primarily due to lack of expertise. |
Guaranteed results |
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Time Required |
Normally about a year for simple issues. Clients usually quit if they are not immediately successful. |
Five complete restoration cycles. Inital results in about 90 days. Process complete within a year. |
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Cost |
If not successful, easily thousands of dollars over a person's lifetime. |
Only $499 per person for USCA clients, $699 for all others. In most cases, this investment can be 100% reimbursed by Industry Affiliates who are associated with U.S. Credit Academy. |
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Headaches |
Frequent, some severe. |
None. Must be diligent in returning required documents to ACES. |
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Expertise |
We offer lots of free resouces via this site including an Online Book Store, but you go at your own pace. |
Full-time experts ensure creditor compliance with all federal consumer protection laws. Staff attorneys render essential quality control throughout entire process. |
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Satisfaction |
Not usually. (That's why we have such steady business.) |
Plenty. Click here for testimonials. |
We truly do wish you the very best in your efforts to Repair Your Own Credit.
However, if you fall short of your goal of regaining a pretty credit profile,
you should strongly consider using a Professional Credit Repair Company.
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