Professional Credit Repair Software – an essential element for your business

The credit and debt management industry is one of the most active and profitable areas of business today. There is a tremendous opportunity to make money in this sector by providing with solid advice and assistance to those seeking for professional credit repair counseling, and to help them manage their debts more efficiently.

It is even easier now with professional credit repair software. Some of the best names in this regard can help just about anybody repair his or her credit report and increase the credit score quickly. These software applications are 100% legal and have been developed after extensive research into consumer credit laws and credit bureau tactics.

The best thing is that these professional credit repair software applications give you the chance to help others with the right credit repair opportunity. Thus, you can even start your own business of professional credit repair and debt management. And that can be a very rewarding enterprise.

Do You Need a Credit Repair Company?

Credit repair companies are everywhere right now. They're making a killing by taking the money of people who are in deep trouble as far as credit goes. These companies often do help people repair their credit. The problem, though, is that they don't often do something that an individual can't do on his or her own for a lot less money.

One of the main things that a credit repair company will do is to look for and remove incorrect claims on your credit report. All this takes, though, is a little paperwork. By the time you authorize the company to see your report, talk to them about the mistakes that are on it, and sign the paperwork they send to get the mark removed, you’ll have done as much as if you'd done the whole thing yourself. Instead of doing this, just find an organized system to get your letters to the credit bureaus out and recorded. You can send all the paperwork on your own and save a fortune.

Another thing that credit repair companies often do is to get debt settlements for consumers. Basically, this is when a company goes to a credit card company or another company who holds your unsecured debt. They negotiate with your creditor, saying that you can't make the payments on your debt. Normally, they end up either working out a payment plan for smaller payments or offering the creditor a lump sum payment.

Companies will make it sound like you can't do this without them, but the truth is that you can. You actually can talk to your creditors to work out payment plans and even debt settlements. It's not even that difficult. You simply have to be firm and honest about the money you can actually afford. Just tell the creditors that you're going to go bankrupt if they don’t let you settle, and they'll take what money they can get.


Repairing your own credit isn't necessarily simple or easy, but it can be done. You just need the right tools to help you stay organized on your quest for better credit. Once you get organized and know what to do, though, you will be on the right road to a better credit score. This can change your whole life. It's definitely worth the work, and it can help improve your entire financial life.

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Don’t Panic! Five Steps That Can Help You Solve Your Credit Dilemma

All right, so we gave you the first tip: don’t panic! Now we’re going to give you five more steps to follow when you suspect your identity has been lifted.

1. Subscribe to a credit checking service. Why wait a year to get your free credit report when you can get your credit report any time of day throughout the year as many times as you want? The fact of the matter is that one report a year is not enough to properly monitor your credit rating. A credit reporting service not only gives you full access to your credit file, but also lets you scan other databases like banks.

2. Review your credit report and compare each bureau’s report. Check for any discrepancies or any unknown charges or credit inquiries. You should be the only one authorized to order a credit check; you can give others permission, however. In order to stop companies from running pre-approval application checks, you must request to be removed from a mailing list.

3. When you find a mistake, use the program’s “write disputes letter” feature to address the credit bureau. You can create letters for bureaus, agencies and creditors simultaneously and within minutes.

4. Allow the credit bureau some time to investigate the matter. The creditor has 30 days to respond and then 45 days to investigate the case. If the item cannot be verified, then the charge must be stricken from the record. Remember that while your case is in disputes, your credit score could still be affected. This should emphasize to you the importance of monitoring your credit on a regular basis.

5. If the item is not taken off, then write a consumer statement. You can use credit repair software to format and write a statement that will be included with your credit report for the benefit of future creditors. Though this is a last resort to consider, remember also that you do have the right to request a new investigation, especially if new information becomes available.

These are five simple steps to take when you suspect credit fraud.

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