DO YOU WANT TO:
Most people never plan to stop paying their obligations but along the way real life incidents happen – they lost their job, had a baby, got a divorce, were injured in an accident, became very ill or get hospitalized. Then their credit fell to pieces. Time passes and they get back on their feet and need credit. They apply for credit and have difficulty getting a reasonable rate or get denied all together because of the negative items on their credit reports.
Fixing errors on your credit reports can be a discouraging task. The credit reports are not easily deciphered. Then you have to write and send letters, cut through the red tape, run voice-mail gauntlets – press one for . . ., press two for . . . and then have the patience to sit on hold for “the next available representative”.
Very often people don’t know exactly who to contact, what to do or how to write a dispute letter. It is also extremely time consuming. Worst of all – when people follow the advise from the credit bureaus they end up “confessing” about their derogatory accounts so the credit bureaus end up with the right to leave the account on their files. The final frustration is when they are told that their credit history will stick with them forever or that it will take years to clean up.
Xilent Credit’s credit repair process is there for them. We are diligent in pestering the often extremely slowpoke bureaucracy of the credit bureaus. Take note – the credit bureaus represent their paying clients who are the creditors. Consequently they defend their clients’ interests, which is why they would rather not have any debts removed from the report. Simply put that is why they put up so much resistance to credit repair.
You need to take control with Xilent Credit today!
We can help with:
Misleading Entries, Closed Accounts, Negative Settlements, Late Payments, Collections, Charge offs, Judgments, Repossessions, Mistaken Identity, Closed By Grantor, Tax Liens, Foreclosures, Garnishments, Unverifiable Accounts, Bankruptcies, ID Theft/Fraud, Too Many Inquiries, and more!
Are you ready to buy a house?
Purchasing a home is probably the largest financial transaction most of us will make in our lifetime. Mortgage lenders scrutinize your past credit accounts to determine if you will be a good risk for their money. If you have accounts listed with negative history such as late payments (30, 60, 90 or 120 days late), collection accounts, charge-offs, or accounts included in bankruptcy the lender may feel that your risk level is too high for them to make the loan. Remember, the most important thing a lender looks at is whether you will pay the money back. People are often surprised when denied for a home loan, but after reviewing their credit reports it’s easy to see the negative items that caused them to be turned down. Our Xilent Credit staff work everyday to help people improve their credit worthiness. Our process of repairing your credit can turn negative accounts into positive accounts or be deleted from your credit report altogether so that your credit history will be more attractive to a lender. Fewer negative accounts give you the chance of getting that home you want or refinancing the home you have at a favorable interest rate.
Want to buy that new car and get the best financing available?
Do you keep seeing the 0% financing and/or money-back offers advertised by auto dealers? Sound too good to be true? The catch, and what is not in the ads, is that you must have really good, even great credit to qualify for those deals.
Are you looking to rent a place to live?
You should only have to worry about where you want to live and how much it will cost, not whether you will be approved. Many rental agencies and landlords access your credit reports to determine if you are “acceptable”. They make judgments about your character from your credit history.
Want a Preferred Credit Card?
With a good credit report and a high credit score you can be qualified by credit card companies for unsecured cards with low interest rates.
Would you like to refinance and lower your mortgage payment?
Lowering the interest rate on your mortgage can save thousands of dollars over the life of your loan. Your monthly payments can be dramatically decreased and your house can be paid off sooner. Initially, your interest rate was calculated in relation to your credit rating at the time of closing. If you had negative marks on your credit report your interest rate was set for a purchaser with a high-risk rating. Once we get your risk status as low as possible, and your credit score is as high as possible, you can negotiate a new lower interest rate on your mortgage that will save you in the long run.
Need a Consolidation Loan?
If you want to pay off your credit cards, take care of unexpected expenses, pay tuition, buy furniture or take a well-deserved vacation, stop living paycheck to paycheck – a consolidation loan may be the ticket. But, if your credit history is not up to par – you’ll have a hard time finding a lender to work with you and/or you will be facing high interest rates.
Did you know your credit history affects your insurance rates?
Today, credit reports are being used for more and more purposes. Many people are shocked to find out that insurance companies often review credit reports before rates are determined and policies are issued. Insurance companies have decided that paying your bills on time means you are probably more responsible. They prefer people who will pay them on time so they can avoid the cost and aggravation of canceling policies. Your credit rating will influence the amount, quality, and cost of coverage you receive.
Are you a victim of Identity Theft?
Having someone pose as you and use your information is a nightmare no one wants to deal with. The damage it causes to your credit history can be devastating. Identity theft has truly destroyed lives. One of our credit consultants was a victim of ID theft, so we truly understand the incredible stress it can cause. Repairing the damage done to your credit report is key to overcoming the effects of this fastest growing white collar crime in the country.
Job Market
Today, many employers rely on credit reports when they screen job applicants. Negative items in your credit history can spoil your qualification for a job. The way you have managed your finances can reflect to some companies what kind of employee you will be.
Our staff at Xilent Credit can help! Click on the Sign Up Now button so together we can work to get your credit history in shape! Choose Option 1 to begin the process immediately – or – choose Option 2 for your RISK FREE credit interview and analysis.
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