Is “Credit Repair” The Right Path For You?

Is “Credit Repair” the right path for you?

Well first you need to know that what Austin Credit Group is engaged in is far beyond “Credit Repair.”  We provide “Credit Improvement” through education, and counseling on matters of the client’s overall financial situation.

WHAT SPIRITED THIS POST?

On Friday morning I got a call from a prospect that explained she had one item on her credit that needed to be addressed; it is a recent late (November, 2014) on a major credit card that went to Charge-Off.  Her first call was to a firm in Dallas that was working with her Sister and Brother-in-Law.  After she explained the situation the firm wanted to charge her an initial fee of $399 with a commitment of $100 per month (forever).  After she gave me the details of the derogatory record she wanted to address I explained to her that no one was going to get that particular record fixed legally, and explained to her what she could do in the near-term to minimize the damage; I’m not, however, going to detail that here.  I charged her nothing for this call!

ANOTHER CASE ON THIS POINT…

would have been a disaster had the client gone to a “Credit Repair” firm instead of Austin Credit Group.  During the course of the “Profile Review” I discovered that he was liable for a few hundred thousand he was not aware of; I sent him to Bankruptcy then wrote a Blog Post about that here.  “Bankruptcy — A Success Story” see more about this here…

DISTINGUISH THE NEED!

Most Credit Repair firms do not distinguish the need or effort required.  They simply sign people up and arbitrarily “dispute away” for the most part.  This will not achieve the desired results in most cases.

On the initial call we discuss with the prospect their situation to determine if even the Profile Review Program for $90 is warranted in their case.  The result of the “Review” will determine the path(s) to take, and establish a plan.

Our methods attempt to flush old debt in advance of establishing negotiations to reduce the client’s debt load.  And our counseling teaches the client how to manage their credit to raise credit scores as fast as possible.

HOW DID WE GET HERE?

I got into this business because I was not happy with the results my clients saw coming from a “reputable” Credit Repair firm that I represented years ago.  My background in Engineering gave me a unique perspective on an approach that has been developed over many years now.  We have served hundreds of clients to date, and some really appreciate what we have done for them (Client Testimonials).

KNOWLEDGE IS POWER!

Our initial call/consultation with a prospect is usually 15-20 minutes at no cost to the client.  That discussion will determine if the Profile Review Program ($90) is warranted.  The Profile Review Program determines the path to improving credit scores as fast as possible.  In many cases the Profile Review Program will help people save hundreds (auto purchase) to thousands (home mortgage) on their next major purchase.