Personal Touch Credit Repair LLC

Simple Tip to Raise Your Score – Credit Score Tips

Tags : credit scoreraise credit score

Simple Tip To Raise Your Score Have you noticed if your score hasn’t changed on one of your accounts even though you pay every month on time? The reason this happens sometimes is because of the date you make your payment. You can actually get your score to go up some by making sure that…

What Are The Codes On My Credit Reports

If you’ve requested your credit reports recently – or only peeked at them after a bank or another lender pulled your credit files – you may be wondering about some cryptic-looking codes and abbreviations you saw. The three main credit bureaus — Equifax, Experian and TransUnion — each have their own way of describing your…

What is Metro 2 Compliance

Tags : Metro 2 Compliance

Did You Know that Most Credit Repair Companies Use an Outdated Dispute Process? The Credit Bureaus Can Deem Your Disputes Frivolous and shut down. We Use the Newest and Most Effective Metro2 Compliance Process. So, What is Metro 2 Compliance. Metro 2 is the standard format for which financial institutions must send data about their loan…

5 Types of Home Loans – Pros and Cons

5 types of mortgage loans: Check out this article that talks about the pros and cons of each type: 1. Conventional mortgages 2. Jumbo mortgages 3. Government-insured mortgages 4. Fixed-rate mortgages 5. Adjustable-rate mortgages   This article is from Bankrate.com. https://www.bankrate.com/finance/mortgages/5-basic-types-of-mortgage-loans-1.aspx  

Win In Court Without a Lawyer or Trial

Yes! You can win without a risky trial. Lawyers drag out cases so they can bill more time. You don’t have to wait for trial to win! You aren’t billing for your time! JurisDictionary® shows how to win before trial. There is no evidence you cannot get before trial. There are no witnesses you cannot…

How To Win in Court

If you’re being harassed by debt collectors, we can help nip that in the bud. But if you need other lawsuit help, we recommend “How to Win in Court” Manual. You can defend yourself. Get more info here: Be Your Own Lawyer Can’t find a lawyer to take your case? Can’t afford what lawyers charge?…

What is DOLA

As I always say, never! never! speak with debt collectors over the phone. Only deal in writing. When they call, I would just tell them to send it in writing and HANG UP the phone right then. Having said that, here’s why. By them just calling you and verifying your phone number and address, they…

5 Tips For Writing Dispute Letters

Only challenge five or less trade lines each month with each of the credit reporting agencies. Challenge everything that you believe to be untimely, incorrect and/or incomplete. The most successful credit repair agencies will only challenge two to three lines of credit every month. If you add more than five items on a letter, the…

Is Credit Repair Legal?

For those who are looking to restore their credit reports and scores, the credit repair industry is certainly an option to consider. However, before working with just any company that promises to help improve credit scores and dispute discrepancies on your reports, it is important to determine whether or not that company is operating within…

Cards To Build Credit

You’ve been thinking that you need to start building credit and would like to know where to start. There are three credit card accounts that we recommend that can help you get started. They report to all three CRAs. These cards don’t have the good perks, but they will help you get there. The Discover…

Bad Credit Costs You

The example below will show you just how your credit can affect how your interest rates are calculated by finance companies. Your credit can also affect your rates with insurance companies and even can prevent you from getting that job that you really wanted in certain states. If you’re not sure how your credit worthiness…

Never Speak to Debt Collectors Over the Phone

Again! Never speak to debt collectors over the phone. Your rights are never served over the phone. If a collector calls you, tell them to send it to you in writing and hang up. Unless your account is still open with the “bank”, most collectors are third parties. 99% of the time these collectors do…

Give Your Credit Score a Boost in Five Minutes

Tags : credit cards

How would you like to raise your credit score up to sixty-five points in the time it take to prepare your morning coffee? Having a better credit score can mean many 1000’s of dollars in interest fees that can stay in your pocket. This can be done with all three credit reporting agencies. Sounds good…

How We Help