CREDIT REPAIR FACTS

Can I really repair my own credit?

US Credit Laws give you the right to dispute any listing on your credit reports that you feel may be inaccurate, untimely, misleading or unverifiable. If a credit bureau can't verify the accuracy of an item that you dispute, by law they must remove it from your credit report.

The Fair Credit Reporting Act gives you the right to accurate credit reporting. Exercise your right by having all of your questionable credit listings either verified as accurate or immediately removed from your credit reports. By law, the bureaus must comply.

Credit Repair Companies can do this for you, but they can be very expensive (and many of these companies buy their software from us). Credit-Aid Software is the affordable alternative. It guides you through the process of ordering and examining your credit reports, generates all the necessary paperwork and tracks the entire process. It can save you thousands of dollars and hundreds of hours of valuable time.

How can software help me to repair my credit?

Our software can save you hundreds of hours in helping to automate the process; generating all the letters you need, guiding you, and helping you to organize and track your progress. If you'd like to see exactly how it works, please watch our four minute video tour (see link at top of page)..

What does a low credit score really cost me?

A higher credit score can save you an enormous amount of money because it usually means a lower mortgage interest rate. It also can mean the difference between qualifying for a loan or not.

According to Fair Isaac, lenders would probably demand a 9.8 percent interest rate on a $300,000, 30-year fixed mortgage for a borrower with a credit score between 500 and 579. That would translate into a $2,585 monthly payment for principal and interest. But a borrower with a score between 760 and 850 seeking the same loan would qualify for about a 6 percent rate that would cost just $1,796 a month for principal and interest. That savings of $789 each month would total $284,040 over 30 years!

Here is a chart that illustrates the effect a low credit score can cost you over the life of a loan:

*Based on a 30 year $200K loan @ 5.6% interest

How your FICO (Credit) Score directly affects your Interest Rate:

FICO stands for Fair, Issac & Co. They're the folks who created the mathematical formula used to calculate what is commonly called the FICO score. This three-digit number, is a big, determinant in whether or not you get a mortgage or any other type of loan. FICO helps banks, credit card issuers, auto loan companies and other lenders decide if you're a good credit risk. It also makes a difference in the interest rate you're offered. Obviously, the higher your score, the more likely you'll be approved for a mortgage (and one with a low rate).

(*based in August 2007)

When you order your Credit Reports from the Annual Service, you will not see your credit score. Here is an alternative source if you are seeking an actual credit "score":

Free Mortgage Calculator

• Delinquent payments

• Opening too many accounts during a 12-month period

• Closing old accounts in good standing (older accounts show longevity. They also show more available credit, which is generally considered positive in the eyes of the Credit Bureaus).
  
  
• Carrying the maximum balance (or nearly so) on revolving credit cards
  
  
• Tax liens, judgments and bankruptcies
  
  
• Too many credit inquiries
  
  

CREDIT REPAIR COMPANIES ARE EXPENSIVE

"Credit repair companies often claim that they can 'clean up' or 'erase' a bad credit. Before you pay for their services, which can range from hundreds to thousands of dollars, there are several points that you should consider. Under the Fair Credit Reporting Act, credit repair companies cannot do anything that you cannot do for yourself at little or no cost." - Federal Trade Comission www.ftc.gov

OVER 70% OF ALL CREDIT REPORTS CONTAIN ERRORS!

A study conducted by US Public Interest Research Group (US PIRG) showed the following shocking results: "79% of the credit reports surveyed contained either serious errors or other mistakes of some kind. These errors result in lost jobs, denied mortgage applications, and higher interest rates for those who do obtain credit." - U.S. PIRG web site http://uspirg.org


FIX IT YOURSELF AND SAVE WITH CREDIT DOCTOR!

Credit-Ais Software ™ stores your user information, generates letters and automates the process of cleaning up your credit. State-of-the-art animations and wizards guide you through: Ordering Free Credit Reports, Removing Errors and Negotiating with Creditors. Includes Organization and Planning Tools, Financial Calculators and useful Tips. Ease of use and powerful features make it the best Credit Repair software available.

New for Home Users:
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Home Owners
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for a BETTER LOAN or REFI

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New for Home Users:
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**Read about us in
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______________________

CUSTOMER COMMENTS

"Your program is fantastic! I raised my credit score 182 points in 30 days and saved thousands on my home loan!"
— Dave Goodman
Phoenix, AZ

"Editor's Choice: A powerful, user-friendly program that delivers what it promises."
— Lloyd Seagan
Stuff Magazine

"This company was WONDERFUL to deal with; the greatest customer service on the net!!"
— Jennifer W.
Maple Shade NJ

"A bad credit score can negatively impact a person's ability to obtain a decent mortgage. I help my clients with Credit-Aid Corporate PRO 1000 Software. It's simple to use and effective. Thank you for a wonderful and reasonably priced product!"
— Noe Longoria, Loan Officer
Simplex Mortgage, San Jose, CA

"I was able to buy a home -- even with my bankruptcy! Thank you for such a wonderful product!"
— Richard Samarcelli
Woodland Hills, CA

"I most most impressed with how far they were willing to go to help me as I was having a problem with my computer. This product is awesome."
— Jeffrey Shanine
Dunlap, IL

"I LOVE this Software! Prior to using it, I spent quite a bit of money on an expensive "credit repair company" that did NOTHING but take my money! Credit-Aid Software has made it very easy for me to repair my own credit. In my first month I saw huge results and was able to qualify for a better rate on a Refi. Thank you Credit Doctor!"
— James J. Redman
Coco Beach, FL

"Great services...great software, this application will help many people to work faster and better with their credit. Thank you Credit-Aid!"
— Leisser Orlando Barrera
Riverside CA

"My order was handled very well. I'm pleased with every aspect of my shipping of items, and they communicated well with me. Thank you very much!"
— Michael Underwood
Raleigh NC

"It is evident that the publisher has done his homework and researched the necessary requirements, provided comprehensive information yet been able to keep it concise so that the user is not overwhelmed. Of all the credit repair companies for profit, non-profit, Credit-Aid is to be the best choice for price, capabilities, ease of use, and informative without the superfluous legaleze...a Superior product!"
— Jeffery A Reilly
Portland, OR

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Without a doubt, the very best Credit Repair Software on the market is Credit Doctor. It has won numerous awards and has quickly become the most popular way to automate the process of repairing bad credit and fix bad credit report.

Software programs do work for fixing bad credit. Bad credit report repair software is not a science, but it is a huge timesaver. You can certainly repair bad credit yourself without a credit program or credit software applications to examine and check your online history, but really bad credit will take many letters and tedious days and weeks to optomize, wheras a software program can automate the process considerably.You can have bad credit erased legally and quickly. Debt consolidation service is an option, but it still won't erase or reestablish a new file. Secured cards are an excellent way to reestablish credit, but you still must attack a low credit rating at the source.

Debt expirations do vary, as well as judgements status. If you have delinquencies and charge-offs that are effectng your credit-scoring, creditrepair is your best option. For bad credit help and expert bad credit advice we recommend reading our free booklet "Boost your FICO score in 7 easy steps." Bad credit repair can improve your way of life greatly enabling you to get the mortgage or refinance loan at the best possible low rate. A bad credit report simply means that you have a bit of work ahead after disputing items to the Credit Bureaus Equifax, Experian and Transunion.

A public interest group recently did a study that showed these staggering facts: 79% of all Credit Reports contain errors...and it's mostly errors that are the reason for a bad credit score.You do not have to fall victim to bad credit loans, you do not have to give in to accepting bad credit refinance or a bad credit mortgage. An improved report rating score will qualify you for loans and refinancing at much lower rates. Proper management with Bad credit software will save tremendous time and energy, rapidly boost fico ratings and boost fico scores.

The Credit Doctor program software will help you with your credit repair, and use every legal means to erase bad credit quickly, or your money back. Fast credit repair is what you will have after using our software to fix bad credit ratings and fix bad credit scores.

You can certainly fix credit and fix credit reports and improve bad credit on your own, but it helps to have a vast knowledge of the law. Our software has the added benefit of being co-written and approved by lawyers. Our knowledge of the law and the Fair Credit Reporting Act will help you to improve fico scores, check and improve a low credit score and raise fico scores. With our program and applications, you can easily remove bad credit while you repair bad credit ratings and fix your bad credit reports with the click of a mouse button.

On our Bad Credit Software Blog we give hundred of free tips, help, counseling and advice to repair bad credit scores, and repair low credit scores effortlessly and easily, because our program is fully compatible with all three major bureaus, Equifax, Experian and trans-union (aka trans union). Simply downlad your free Reports from annual credit report and you will have free reports. Once those free credit reports are in your hands and after purchasing our Bad Credit Repair Program program, you will be able to handle a bad credit removal operation for yourself (for free) what you would have to pay hundreds or thousands of dollars to companies like lexington law or creditnet. Download a free sample program today. What have you got to lose?

As they say on the Federal Trade Comission www.ftc.gov. A professional credit repair company (credit restoration management and restore service) cannot do anything for you that you cannot do for yourself for free or little cost. Repairing Credit is not brain surgury. It can be done, and the best credit repair Company...is yourself.

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