Getting financially ready is never about making some big drastic change overnight. We like to say things like: “I’ll get a new job” or “I’ll buy that awesome new Corvette” or “I’ll buy that new home”.
But as the health and wellness gurus tell us – the change has to be gradual, and has to start small. If you get a new job, it has to start with learning a new trade, and maybe learning that new trade requires an extra hour of your day learning a new skill. If you buy that new home, you can’t just take your pick of the litter on Zillow.
Spoiler Alert: Credit Repair does not Take Years
One of the common misconceptions about credit repair is that he takes over a year – sometimes two. In truth, this happens because traditional credit repair companies used to rely on a few industry “tricks” to fix someone’s FICO score. One of those “tricks”? Argue that the debt simply wasn’t yours.
Squirrel: Granted, this isn’t as outdated as it looks. Zombie debt has been an issue for decades, and it hasn’t suddenly disappeared with stories like the Buffalo man in 2016 who created 7.7 million fake debts.
The other problem with how things used to work is that credit repair would only focus on getting negative items deleted. If you simply got rid of someone’s debt, everything would be ok. Except that’s now how the credit repair works for the people.
In truth, fixing items and building positive credit helps boost a person’s FICO score in relative short order. Every person’s situation is different, granted – if it took you awhile to hurt your credit, it might take awhile to resurrect it. However, assuming your issues are simply debt related, your score should start improving within three to six months.
(More) About Us
This is not a guarantee. We don’t believe in guarantees not because we’re not confident – on the contrary, we never stop talking about our awesome customers – but because guarantees take out the nuance of what credit repair can do. As in, guaranteeing an increased score of 30-60 points says nothing about whether that person is setup for future (instead of the mere present) success.
That’s what sets us apart. We focus on gains. Not guarantees. By focusing on gains, the higher scores will simply be the tip of the iceberg; it won’t be enough to get some negative items deleted, but to show you starting today could mean moving in to a new home by summer.
And we won’t just boost your credit score. But our program will include videos, tips, and in-house research on finding you the right mortgage lender (should this be your goal), knowing the right insurance, and the exact expenses to properly budget for the homebuying experience (in addition to knowing the exact expenses for how to save comfortably once you are in your new summer home). We like to say – start today, not someday. THINK about what that someday looks like – you in a new backyard, making brisket or properly-made ribs and a nice cold beer? Sounds good.
The Credit Repairmen is happy to announce that all customers will be receiving a Financial Well-Being Packet of videos, and tutorials covering the topic of budgeting more extensively. If you want to get started with general credit repair, call us at 210-520-0444 or visit us at 6989 Alamo Downs Pkwy, San Antonio, TX 78238.