Prepared Especially for
Haneen Anabtawi
Certified Credit Repair and Consulting Specialist
Revamped Credit Repair Specialists
833-426-3360
RevampedCRS@gmail.com
www.RevampedCreditRepairSpecialists.com
DON’T Turn Away Anymore Clients Due to Bad Credit or Low Credit Scores!
Set yourself apart from other realtors by offering reputable AND legal credit repair
services that help your clients improve their credit so they can obtain a home loan with
YOU!
Problem: Clients who can’t qualify for a loan due to bad credit or low credit scores!
Solution: Our unique credit repair service can help them improve their credit and
raise their credit scores.
Benefit: With improved credit, higher credit scores they can now qualify for their
loan. YOU close more loans and get MORE referrals!
With our experience, we can offer your clients:
• Credit Repair: by deleting inaccurate or unverifiable items on their credit reports
with average results of 40% - 80% within 30 to 45 days including: Foreclosure,
Short Sale, Repossessions, collections, charge-offs, Bankruptcy, late payments
and more by using Federal Laws. Using various legal techniques such as
disputing items thru the credit reporting agencies, negotiating items, paying down
on some items, closing some accounts, and establishing new good credit within
4-6 weeks.
• Credit Education: we answer the difficult questions clients have with facts and
laws both verbally and in writing. We educate them on their credit rights, laws,
how to maintain good credit, how to read their credit reports, how not to become
a victim of credit identity theft, how to budget and live below their means, and
much more! We don’t want clients making the same mistakes as before!
We are very passionate about helping people learn more about their credit, debt and
finances. Our services are fully legal as we follow all State and Federal laws.
Thank you for your time and we look forward to a prosperous and rewarding relationship
with you and your clients. Working together with the right facts and having passion to
help people, everyone wins!
We look forward to educating and empowering your clients for a brighter financial
future!
Revamped Credit Repair Specialists
Nationwide Service – Available in all 50 States
833-426-3360 | RevampedCRS@gmail.com |
www.RevampedCreditRepairSpecialists.com
Credit Repair is legal in all 50 states under Federal Law, the Fair Credit Reporting Act
and can help consumers to improve their credit and raise their credit scores so they can
get better interest rates on loans, better jobs, better vehicle insurance, etc.
With the Media (television, newspapers, & radio) misconception of “Credit
Repair”, we hear negative comments such as “why pay a credit repair company $500 to
$1000 or more when you can do it yourself” and “they can’t fix your credit, only time can
help repair your bad credit”.
Yes, a consumer can repair their own credit, but at least 99% of people do not
know how to do this tedious task properly and the credit bureaus do not make it an easy
process for the consumer. And yes, it is fully LEGAL. The credit bureaus, (Experian,
TransUnion & Equifax), are in this business to make a profit. They are not the
government, but a full-fledged FOR PROFIT BUSINESS. If they help the consumer to
understand or learn to dispute items on their credit reports, then they will lose money!
Consumers have more rights than they think! This IS a difficult task to learn and
accomplish.
Let’s use this analogy for an example: Mary has a basic understanding of taxes,
but doesn’t know the ever-changing tax laws, so she thinks that she would have a better
chance in hiring a professional tax accountant to do her taxes for her! Several reasons:
a professional would know the laws; they would also know how or what to list to get her
money back or how she can save money in the future! So, Mary hires someone to do
her taxes for her and pays them what they are asking. Mary is exercising her RIGHT TO
CHOOSE!
More examples: John needs to overhaul his engine, he knows the basics in car
repair but is not sure exactly on how to overhaul the whole engine, so John hires a
professional mechanic. John is exercising his RIGHT TO CHOOSE!
To summarize this, if a consumer does not know how to improve their credit,
doesn’t know their options or the laws when it comes to credit, understanding
credit reports and scoring, bankruptcy, negotiate or prioritizing debt, and more,
then they need to hire a professional Certified Credit Consultant™. It is as simple
as that!
Credit repair is NOT a ‘quick fix’. It may take a couple of months to a year or
longer to improve a consumer’s credit report and raise their credit scores. But keep in
mind, every little positive change should increase those credit scores!
Credit education is vital for consumers! There are several books and websites
that can help consumers to gain more knowledge on their credit and their finances. For
some great information, you can check out our website at:
www.RevampedCreditRepairSpecialists.com
The credit bureaus and the Federal Trade Commission make it sound like all
credit repair companies are bad. Although some may be bad, a lot of them are not. Just
the same as there are bad doctors, lawyers, mechanics, etc. The credit repair
companies/people just simply found a niche business, a middle person if you will, to be
a representative for the uneducated consumer that does not know the necessary federal
laws and hoops to jump through to help them improve their credit reports, raise their
credit scores and stop being a victim of collection agency harassment.
Here are the legal excerpts from the Federal law, the Fair Credit Reporting Act to
show consumers that CREDIT RESTORATION (credit repair) is really legal:
609. Disclosures to consumers {15 U.S.C. 1681g} © Summary of Rights to
Obtain and Dispute Informative in Consumer Reports and to Obtain Credit Scores (1)
Commission Summary of Rights Required (iii) the right of a consumer to dispute
information in the file of the consumer under section 611.
Here is the legal excerpt from the Federal law, the Fair Debt Collection Practices
Act to stop collection agency harassment:
806. Harassment or Abuse {15 U.S.C. 1692d} subheadings 1-6. A debt collector
may not engage in any conduct the natural consequence of which is to harass, oppress,
or abuse any person in connection with the collection of a debt. Without limiting the
general application of the foregoing, the following conduct is a violation of this section.
For more information on credit, credit scores, debt, collections, credit card billing,
credit identity theft, etc. – please read the following federal laws to get educated! As an
educated consumer, you are empowered and can now exercise your rights. Don’t be a
victim or get harassed anymore!
5 Federal Laws to help consumers:
Fair Credit Reporting Act
Fair Debt Collections Practices Act
Fair and Accurate Transactions Act
Fair Credit Billing Act
Fair Credit Equal Opportunity Act
Questions and Answers
Q: Why choose Revamped Credit Repair Specialists to help your clients with
Credit Repair vs other companies?
With our extensive background, experience and expertise, we can help your clients
with: Credit Education, Credit Repair and Rebuilding, Credit and Debt Consulting, and
Debt Settlement. The majority of consumers do not know their credit rights and what
they can do to improve their credit and raise their scores. There are several federal laws
that govern credit repair, credit reporting, credit scoring, debt collections, and more.
With the help of our attorney and our vast experience, we are very knowledgeable of
these particular laws to help your clients to obtain better credit and raise their credit
scores. The result of using our unique credit consulting and credit education system is
that your clients will not only have better credit and higher credit scores; they will obtain
the correct and factual information to help them for years to come. Other credit repair
companies haphazardly delete accounts, ones in which they should have been
corrected instead; drag the client out for approximately two years costing them way over
a thousand dollars. More importantly, the majority of credit repair companies does not
even know or understand the laws in order to answer clients’ questions or educate
them. Knowledge and experience are extremely important in this line of work. You want
to get the best results possible while not spend a lot of money to do so. This way they
can obtain a new home, vehicle, new job/promotion or just have pride in having better
credit.
Q: Is Credit Repair legal?
Yes, it is totally legal in all 50 states. By utilizing the federal law, the Fair Credit
Reporting Act (FCRA) under sections 611 (a)(1)(A) and (5)(A)(i), the law states that a
consumer has the right to have an accurate credit report. If anything on a credit report
that is inaccurate, obsolete, duplicate, misleading or unverifiable, then you can correct
or delete ANYTHING on your credit reports including: bankruptcy, foreclosure, short
sale, collections, charge-offs, late payments, tax liens, judgments, etc. By having these
erroneous negative items deleted, your credit scores will improve. Keep in mind that by
deleting an account on a credit report does not mean you do not owe that debt.
The federal laws that we use and abide by are:
The Fair Credit Reporting Act
The Fair Debt Collection Practices Act
The Credit Repair Organizations Act
The Fair Credit Billing Act
The Fair and Accurate Transactions Act
The Fair Credit Equal Opportunity Act
Q: How fast can credit repair take to see results?
It all depends on how many negative inaccurate, obsolete, misleading or duplicate items
are on your clients three credit reports. It also depends on the credit bureaus properly
doing their job by heeding the federal law, Fair Credit Reporting Act. Clients will usually
see results from all 3 credit bureaus in as little as 35-45 days; faster if you are pulling a
new credit report within 30 days. The credit bureaus may respond faster if they gather
all of the information back from your creditors in a timely manner, which by law is no
more than 30 days. Remember, credit repair is not a quick fix.
Q: Is there any guarantee with doing credit repair?
Although we cannot guarantee a certain outcome by federal law, we know that by
utilizing the F.C.R.A., we can assist you in getting items corrected or deleted with an
overall positive outcome in most cases. With our 28 years of experience, we know that
we can improve almost every credit report that we see that have inaccurate information.
Some of the work may include: credit repair – disputing items that are inaccurate,
obsolete, duplicate, misleading or unverifiable on the credit report, paying down good
accounts, negotiating debts to a lower amount, raising limits on credit cards, closing too
many credit card accounts or establishing new/good accounts if client does not have
any credit or too little credit. We must follow all State and Federal Laws and will not
deviate from them. If an item is not considered inaccurate, misleading, obsolete,
duplicate or unverifiable, then we will not dispute the item on your credit report. If
necessary, a client can cancel our services at any time in writing.
Q: What is the difference in Rapid Re-Scoring and Credit Repair?
The difference is huge! Rapid Re-Scoring is a service that some mortgage companies
can offer and the fee is approximately $30 per account, per credit bureau to correct or
delete. They will need documented proof that an account isn’t theirs or it was paid. If the
client does not have this, then they won’t be able to do a rapid rescoring on the account.
Also, it does not help to improve the credit reports or raise the credit scores after the
client obtains the loan. It is only used for that purpose, so after the client obtains the
home loan and goes to purchase a vehicle a few months later, the client finds out that
the negative accounts are still on their credit report that they paid to have deleted. This
frustrates the client and they usually will not end up referring people to the mortgage
company. With credit repair, we usually do not need any documentation, and the results
are more permanent. Plus, the credit education that the client receives benefits them for
a lifetime!
Q: If I do not do credit repair, how long will negative information stay on my credit
report?
The Credit Bureaus would like you to believe that all information stays for 7-10 years,
regardless of anything you do. However, since credit repair is fully legal by the Fair
Credit Reporting Act, the particular dispute process we use may DELETE these
following accounts before this time frame. If you had the choice to wait it out for years or
be pro-active
and clean up your credit reports, which one would you choose?
Good credit - 10 years or longer
Negative credit (late payments, collections, charge-offs, closed accounts, child
supports, civil and small claim judgments,
paid tax liens) - 7 years from the date paid
Chapter 7, 11 and 12 Bankruptcy - 10 years
Chapter 13 Bankruptcy - 7 years
Unpaid tax liens - up to 15 years
Inquiries - 2 years
