30 second elevator pitch

The elevator pitch is very popular for any company. When we are asked for one, we give the following.

eCreditadvisor offers personalized advise based on your FICO score. We can help you achieve our financial objectives-
quickly and thoughtfully-through an effective 3-cycle 90 day total approach. We offer a qualified program that will add
positive information while eliminating incorrect data for a third of the price most credit fix companies charge.

Hey, that took 21 seconds and 9 seconds to have that sink in!

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How Can I Learn More About Credit And The Law ?

The federal government maintains several informative World Wide Web sites with lots of information about consumer credit issues.
These two relate to the FCRA specifically:
http://www.ftc.gov/bcp/conline/pubs/credit/fcra.htm (summarizes the law)
http://www.ftc.gov/os/statutes/fcra.htm (gives the actual text of the law)

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How Errors Occur on Your FICO Score

When a credit report contains errors, it is often because the report
is incomplete, or contains information about someone else.
This typically happens because:
- The person applied for credit under a different name
- Someone made a clerical error in reading or entering a name
or address information from an application
- The person gave an inaccurate Social Security Number,
or the number was misread by the creditor
- Loan or credit card payments were inadvertently
applied to the wrong account

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How to improve your credit score ?

- Eliminate any negative items. Negative items are score killers on your credit report
- Pay down any credit card with a balance of more than 50 % of the overall credit line.
- If you have a limited budget don’t bother allocating resources to any accounts which have a charge-off at this point unless you
can negotiate what credit pros call “payment for deletion”, where the creditor agrees to mark your credit report positive after receiving
the money.
- Don’t start just closing credit accounts randomly. If you need expert consultation on this or any point, go get it.

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