Alyssa The DFW Credit Realtor

04/14/2022

04/10/2022

STARTING WITH THE BASICS: We will soon discuss what credit repair IS! First let’s discuss what it is not and get rid of the false narratives.

1.) Credit Repair is NOT saying the debt is not yours. That practice is actually fraud. If the debt is not yours then that means the credit repair company would have to file a fraud affidavit. Filing a fraud affidavit for a debt that is actually yours can result in legal action such as getting arrested.

We do not “say” the debt is not yours. We dispute on your behalf and request debt validation. Most of the time once a negative account hits your report it is never the original creditors. It’s always a third party. If the third party cannot validate the debt by providing a signed contract/document between the two of you then the FCRA(Fair Credit Report Act) allows for that item to be challenged.

2.) Credit Repair is NOT illegal. The credit repair industry is regulated by the FCRA.

The FCRA is The law that regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports. Therefore if anything is reporting inaccurate, you as the consumer have the legal right to fight/dispute it.

3.) Credit Repair is NOT a scam. Although the credit repair industry has a bad rep due to some companies taking advantage of consumers and doing unethical practices it does work. Just like any industry there are bad stories and good stories. For every bad story there are 5 good ones from people who’s lives were changed from credit repair.

Properly vet the company before signing up.

4.) Credit Repair is NOT a quick fix. You cannot spend your full life damaging your credit and expect it to be fixed in 6 months or less. Be patient and allow time. Every profile is different and will require a different action plan.

12/16/2021

“RESULTS”

When it comes to credit your score is important but so is your overall profile. We all need a STRONG credit profile! Information on your report needs to be accurate and consistent across the board for all 3 credit bureaus. 4 items updated and 4 items deleted for this client! We are on our way to home 🏡 ownership!

If you are tired of not making that investment in yourself book your free consultation with me! The first step to re-build your credit worthiness is finding out what we need to do! You won’t know until you take that time to find out! I want to help you and help change your life!

https://calendly.com/rise-7. (Book here)

12/15/2021

Things to think about and double check prior to starting the home buying process!