Credit Repair

Credit Repair

Having enough money to pay all our bills allows us to provide for our families, plan for the future and enjoy our leisure time. Not having money restricts our choices and wreaks emotional havoc on our psyche. Borrowing money to pay those bills leads to debt, which can lead to all sorts of problems that have nothing to do with accounting and everything to do with psychology. Among the negative effects are low self-esteem and impaired cognitive functioning. That means you can’t learn, remember, be attentive or solve problems as well when you’re freaking out over your water bill.

Denial

Fix and repair credit

Stress

Debt and stress are like co-joined twins. The average U.S. household with credit card debt has balances totaling $16,748, and the average household with any kind of debt owes $134,643, according to a 2016 Nerdwallet study.
Conversely, 72% of Americans said they felt stressed about money, according to an American Psychological Association study. And 22% said they felt “extreme” stress over their finances.

Stress may be hard to define, but it manifests itself in obvious ways – lack of sleep, loss of focus, nagging worry.It can affect big things like your job, since you fear losing it would make your financial situation even worse. It can affect small things like lunch, since you feel guilty for ordering a $2.19 iced tea instead of water. You don’t need an endocrinologist to tell you that’s no way to live.

Fear and Panic

The thought of getting a late payment notice doesn’t just make you uncomfortable, it gives you a rapid heartbeat, shortness of breath, dry mouth, a headache and the shakes.

The National Institute of Mental Health estimates 40 million Americans suffer from anxiety. Financial worries are a massive trigger for those disorders. You assume the worst, like that you’ll be homeless if your house gets foreclosed, or your car is going to break down on the way to work and you’re going to get fired for being late.

Anger

As the economy sagged, anger issues rose. The phenomenon got its own name in medical circles: Debt-Anger Syndrome.

Instead of panicking or denying, victims get mad. They are mad at creditors who continually send them bills; mad at the mailman for delivering the bills; mad at their bosses for not paying them more; mad at their spouses for not making more money; mad at their kids for needing new braces; and mad at themselves for getting into this fix.In short, they are mad at life. This not only can ruin relationships, the physiological effects can lead to migraines, heart disease and reduce your resistance to infections.

Depression

People deny, freak out and lash out over debt. After they work through those stages, the bills are still staring them back in the face. That’s when depression sets in.

People who struggle with debt are more than twice as likely to suffer from depression, according to a study by the University of Nottingham in England. Hopelessness sets in, as does low self-esteem. It can lead to even more debt, since sufferers sometimes try to relieve their depression by treating themselves to a shopping spree or some other mental getaway.But all that does is lead to more debt, which leads to more depression and despair. At that point, people don’t care whether their pain is caused by debt or debt is causing their pain.

They just want the pain to end.

Four out of Five Americans have an error on their credit report. Your financial health revolves around your credit score, making it imperative that the information your credit report contains is as accurate and up-to-date as possible. I will teach you the exact information you need to provide to the Credit Bureau’s to use the Fair Credit Reporting Act to your advantage and dispute the mistaken negative ratings that may be preventing you from obtaining new credit when you need it most. Lower your interest rates, avoid high late fees, save money and advance your credit opportunities. I will aid you in the process of repairing inaccurate, obsolete and erroneous items that are negatively impacting your credit score.In turn this will ultimately restore your score, create positive financial habits and maximize your financial opportunities. I can also show you how credit really works and how to build and protect your credit score moving forward.       Gett Excited!!

I Will Effectively Dispute:

Fair Credit Reporting Act

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records).

Reference: Fair Credit Report Act

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