Credit Repair – Garr’s Journey

Credit Repair Story #1 My first credit repair story takes place in 2003. My story is similar to others as I have found that most people are repairing their credit for one of two reasons (they are picking up the pieces after making a series of bad decisions or life happened like an illness, job loss or [...]

By | June 2nd, 2014|Credit Repair, Misc, Uncategorized|1 Comment

Credit Repair Services In Grand Rapids Michigan

Credit Repair Grand Rapids If you’re in Grand Rapids Michigan and looking for credit repair services, we are your answer. Our proven three-step solutions is the perfect credit repair solution. Most companies that sell credit repair such as lexington law and sky blue only dispute (a couple of accounts per month dragging the services out for 3-4 times longer than need be) while Garranteed Solutions (who addresses all negatives simultaneously) helps to build credit and settle debts as well. […]

By | February 3rd, 2013|Credit Repair, Misc|0 Comments

Credit Repair with Big Banks or Credit Unions?

Credit Repair and Banking, How do the two relate? You may be thinking what does credit repair have to do with who I decide to have a banking relationship with. Lets take a look at how cred it repair and banking relate and then determine what type of bank would best suit someone who is repairing their credit. As mentioned in the title of this article we are going to be comparing big banks to credit unions. In light of recent proposed debit card fees by big banks and the Move Your Money and Bank Transfer Day movements, now is a great time to compare big banks and credit unions side by side in regards to credit repair. Please know that when I say credit repair I am referring to credit score and report improvement, and maximizing your overall credit profile to ensure you are getting the best interest rates when applying for financing. The connection between credit repair and banking is obvious then, the better the credit score and report the better the terms and conditions you are likely to be offered when applying for financing. […]

By | January 10th, 2013|Banks and Credit Unions, Credit Repair, Misc|0 Comments

Credit Repair, Debt Settlement and Tax Time

Credit Repair and Tax Time. As many debt collectors and consumers already know tax time is a great time for credit repair. Creditors know that tax time typically brings many consumers a large influx of cash that many wouldn’t normally have on hand and as a result offering much lower settlement offers than usual. Creditors usually aim to settle accounts for about 50-70% but lower their settlement offers to 25-50% around tax time. Credit Repair and Debt Settlement 101 When It comes to taking advantage of this great time of year to settle debts one must consider several things when negotiating settlements and working on credit repair. Keep in mind that credit repair and debt settlement are different in regards to the fact that the focus in debt settlement is on saving you money in settling debts while credit repair is more concerned with your credit reports and credit scores. While the two services can work hand in hand most don’t consider the benefits of both when settling debts. […]

By | January 3rd, 2013|Collections, Credit Repair, Debt Settlement, Misc|0 Comments

Credit Repair and the Holiday’s

As you may already know, though you may not be in need of credit repair, my articles are typically written from the view of the credit repair process but can be applied if you have perfect credit and are simply interested in maintaining a great credit standing. It has been my experience that many individuals actually exit the holiday seasons with worse credit and more debt than before the season started. My goal, less credit repair more credit wisdom. The desire to bless our kids, friends and family, fueled by marketing, sales and desire to keep up with the Jones’, leaves many consumers with empty bank accounts and maxed out or several new credit cards. Credit repair may be the next step to those individuals as maxed out credit cards, the opening of new credit cards and possible late payments due to overspending can significantly damage credit reports and credit scores. […]

By | December 30th, 2012|Credit Cards, Credit Repair, FICO Credit Scoring, Misc|0 Comments

Pen vs. Pin

Pen vs. Pin When you use a Debit Card should you say Credit and sign or Debit and use your PIN number? Pen: Signature transactions go through a major credit card network and guarantee that you will not be liable if you report fraudulent activity. PIN: These transactions do not offer additional liability protection, and [...]

By | March 8th, 2011|Misc|0 Comments