Get rid of Bad Credit :

Bad credit is a burden, and great credit is a huge benefit. At eCreditAdvisor, we know that your credit history, and your desire to utilize credit repair solutions to improve and correct your credit reports and scores, is the means to financial ends: buying a home, getting a loan on your new car, obtaining low-APR’s on credit cards, etc. eCreditAdvisor has over 75 years of experienced personnel, including attorney’s, paralegals, financial consultants, mortgage and real estate professionals who are prepared to assist your every need.

Poor credit will prevent you from attaining your dreams and financial goals. Our credit repair solution will help you to regain financial control of your life and will lead to your financial empowerment. We have seen first hand the benefits that our credit repair service has provided to thousands of satisfied customers. We have helped people get into their first home, qualify for lower interest rates, purchase a new car and consolidate high interest rates into one low monthly payment.

We've tailored our credit repair services to specifically help you achieve your financial goals. Obviously, time is of the essence: our credit repair service fixes your credit problems fast. Our 3 Cycle 90 Day Credit Score Maximizer program is designed to get you results fast! Our program has been designed to get you the quickest results that the law allows.

We combine the expertise of veteran credit specialists with the firepower of top-notch attorneys and legal assistants. Our consultants combine hundreds of disciplines and areas of expertise to go beyond credit law and into the real world.

Simply put, we understand what you're trying to do, and we've got the experience and determination to accomplish your goals!

Stay connected with Our blog to keep yourself updated on credit news and information.

How Credit Counseling service benefits you?

Credit counseling is the process that offers basic credit education on financial management, debt management plans, budgets, foreclosure preventions, bankruptcy information to the customers in managing their debt load. The main function of credit counseling is to help people get their finances back on track by educating them on better money management.

Now let us discuss how Credit Counseling can help you !!

• Credit Counseling is confidential
  
• Credit counseling helps to pay off your bills, late fees, penalties and credit card debts very quickly
  
• Credit counselor can understand your debts and financial situation by analyzing your credit report. They will let you know all the possible options available to you in a both accurate and reasonable manner. They will explain you all the benefits and risks involved in any option you choose
  
• Credit counseling helps to save your hard earned money in a sensible manner
  
• Credit counseling improves your credit score
  
• They help you in avoiding bankruptcy
  
• Credit counseling protects you from the harassment of your creditors through phone calls
  
• They help you in negotiating better interest rates with your creditors and helping you in establishing a budget and payment plan
  
• If you are at risk of foreclosure or repossession, they will guide you on how to contact your lenders and obtain extra time for you to make your late payments
  
• They help in getting negative comments removed from your credit reports
  
  

eCreditAdvisor provides you with best Credit Counseling services by helping you to regain financial control of your life and will lead to your financial empowerment.

Our credit repair service has provided to thousands of satisfied customers

Click here for Getting Started

Stay connected with our blog to keep yourself updated on credit news and information. For more details call us now to 800-693-9622, always at your service.

eCreditAdvisor's Credit Assist Program

Our Credit Assist program is a comprehensive credit score maximization and coaching program specifically designed to increase credit scores in only 21-60 days. Our management tools track and monitor your client pipeline for critical time and buyer response updates.

We offer two types of programs for our Credit Assist program. A single cycle program and a two cycle program.

Single Cycle Credit Assist Program:

Our Single Cycle program is a 21 to 41 day program that includes the following features:

• Our cost structure for this program is two monthly installment payments of $160 for an individual and 2 monthly installment payments for $300.00 if you are signing up as a couple. The setup fee is your initial payment. We also accept by-monthly payments.
• Dispute verification.
• Buyer/Broker update email notification.
• 15-25 point credit score increase.

Two Cycle Credit Assist Program:

Our Two Cycle program is a 21 to 60 day program that includes the following features:

• Our cost structure for this program is three monthly installment payments of $170 for an individual and three monthly installment payments of $320.00 if you are signing up as a couple. The setup fee is your initial payment. We also accept by-monthly payments.
• Dispute verification.
• Buyer/broker update email notification
• 15-45 point credit score increase.
• Credit 1st Improve tradeline acquisition
• Request for Verification FCRA violation notificatio

Pricing for both products include the following:

• Initial analysis and consultation.
• Rapid credit score maximization program.
• Credit management evaluation.
• Error reporting evaluation and correction.
  
  

If you should require the removal of any accounts in dispute after the completion of either the Single Cycle or Two Cycle Credit Assist Program, there will be a $100 set up fee and $20 per line item requiring removal.

Click Below for Getting Started

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Account In Dispute Removal :

Remove the "account in dispute" notation on trade line items!

With your assistance we will remove the account in dispute notation on trade lines on your credit file. In today's lending environment many lenders will not qualify you for loan approval if you have an account reporting in dispute status.

This program is designed to systematically go through and remove these accounts in dispute notations from your credit file at both the bureau and creditor level. This is a 30 day program that will require your assistance to ensure maximum success.

There are certain creditors that will violate the federal guidelines and still report the disputed tag line even though the consumer has followed the laws for removal and in those cases we will work the loan officer to help in the escalation of the file at the third party credit reporting level. This may require the third party to order a "quick score" report or an "enhanced bureau update" report. We will provide them with the documentation that will allow them to do a reinvestigation and manually over-ride the creditors reporting.

Program includes the following.

• Our cost structure for this program is two monthly installment payments of $150. The setup fee is your initial payment. We also accept by-monthly payments.
• Documented certified response to both the bureaus and the creditors demanding the removal of the account in dispute notation on one's credit file.
• Tracking and storing of the certified response requests that enable escalation should a creditor not remove the disputed status in accordance with FTC guidelines.
• Working with the loan officer after the re-pull of the updated credit file and enabling further escalation of the file at the third party reporting level.
• If at the conclusion of the 30 days there is a trade line still showing the account in dispute status we will continue with another months efforts free of charge to see that this tag line is removed from the credit file.

Click here to SIGNUP now !!!

If you do not have access to a computer or cannot order online contact annualcreditreport.com at 877-322-8228. You will be asked a few questions that you must successfully answer and your reports will be mailed to you in 5-7 business days.

Stay connected with Our blog to keep yourself updated on credit news and information.

We are proud to have a 95% success rate...

We are proud to have a 95% success rate helping clients improve their FICO scores in 2-5 months. Share your experience with us...

Free Credit Repair Consultation

Your free evaluation is a complete credit analysis based on payment history, judgments and other public records in addition to assessing balance-to-limit ratios on your credit cards.

To receive your FREE Consultation*, just fill out the form at https://www.ecreditadvisor.com/secure/freeconsult.aspx or call us Toll Free at 800-693-9622 (US Applicants ONLY)

Debts basics - What Type of Debt Is Considered Good?

What is a Debt?
Debt is an amount of money, goods, or services owed to pay or render by one party to another. It implies permission to the borrowing party to borrow money, goods, or services by accepting the condition to repay sometime later along with the interest.
Bonds, commercial papers and loans are common forms of debts.
Debts can be basically Good debts or Bad debts
What Type of Debt Is Considered Good?
It is difficult to make any thought of debt being good because debt is not magical, it needs to be paid each month regularly to stay away from over burden, a good debt can go bad when it is not managed properly. In spite of this, debt can be considered good:

• When you borrow money in order to fulfill your basic requirement, that gives education, increase in wealth, dignity and prosperity. Example : Educational loan, Car loan, etc.
  
• When you borrow money to purchase any valuable asset now and same can be sold later at good profit. Example: House loans
  
• When you borrow money for very lower interest rate and if it is affordable for  you to pay later
  
• When you borrow money to make any investment that generates income. Example : Rental income
  

Good debts helps in accomplishing your objectives. It helps to improve the value of your credit report because when you apply for any loan or new credit cards your credit report will be reviewed.
Bad debts are even worse; let us see why!

eCreditAdvisor - Credit Score improvement, Credit Repair, Identity Theft Protection, Credit Restoration and Derogatory Credit Removal.

Re-Licensing Special Offer! Exclusive to our partners

Please click here to view the web version of this offer.

Visit us at:

eCreditAdvisor

284-C East Lake Mead Dr #238
 Henderson, NV 89015
Phone:
800-693-9622   

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Choosing your Credit Agency:

Are you struggling with your debt and facing problems in paying your bill? If so, a reputed credit counseling agency can be your financial life saver. The credit counseling agency can help you in repairing your debt, suggest you in using your credit sensibly, helps in developing budget, managing your money and debts or arranging a repayment plan with your creditors. In a nutshell, a certified credit counseling agency will provide you with a personalized plan to solve your debt related problems.

Now let us discuss some important things to be noticed while choosing a credit agency :

• Contact various credit agencies to get an idea of rates and services they offer.
  
  
• Look and compare the variety of services each agency offer.
  
  
• Check with your family or friends who have already used credit counseling services.
  
  
• Check for the certified and licensed agency.
  
  
• Check for the past records and history of the agency for how long the company has been in this industry.
  
  
• Check for the complaints and consumer reviews of the credit agency. If the agency does have any complaints, make sure that everything is resolved.
  
  
• Get to know about the counselors in the credit agency are well qualified.
  
  
• Don't sign any agreement. Carefully read their terms of agreement or contract with you. Always have the promises done by them in a written document. If you have any doubts on their services, get it clarified.
  
  
• Clearly know about the fees they charge on you, beware that you don't pay any additional charges often.
  
  
• Don't blindly believe on their advertisements, evaluate it carefully.
  
  
• Check whether they help you in offering free credit education and credit counseling
  
  
• Make sure that the agency will provide you personalized plans, concessions and they do not sell or leak out your information to others without your permission.
  
  

eCreditAdvisor satisfies all the above and is the Best for Credit Consultation and credit repair. Contact us now and get your financial problems fixed !!!

For more details call us now to 800-693-9622, always at your service.

Recovering from bankruptcy - CONTD

Credit Report Expiration Guide :

Late payments, tax liens, bankruptcies...Are you anxiously waiting for old records to be removed from your credit report? Take the initiative to check the expiration dates on records in your credit report. For example, if you discover an obsolete bankruptcy from 1982, disputing the record with your creditor can boost your credit score.

Bankruptcy - Chapter 7, Chapter 11 and 12 bankruptcies remain on your credit report for 10 years after the filing date. When you file for bankruptcy, all the accounts included should be marked as "Included in BK" and will each stay on your report for 7 years.

Charge-off Accounts - If your delinquent account is charged-off, the record will stay on your credit report for 7 years.

Closed Accounts - If the account has delinquencies, those marks will stay on your credit report for 7 years from the date they were reported.

Collection Accounts - Accounts sent to collections will remain on your credit report for 7 years from the date of the original missed payment. The record will be marked as "paid collection" on your report when you pay the full balance. If you settle with the collections agency for a reduced amount, be aware your record will state the account as "paid for less than the total due."

Inquiries - When a creditor or lender checks your credit it causes a "hard inquiry" to be listed on your credit report. These hard inquiries stay on your report for up to two years, and they can cause a slight drop in your credit score if there are too many of them. When an employer checks your credit or when you check your own credit online, you may see a harmless "soft inquiry" on your credit report. Soft inquiries, which also remain on your report for up to 2 years, do not cause a drop in your credit score and do not appear when a business checks your credit.

Judgments - Most judgments, including small claims, civil and child support, will remain on your credit report for 7 years from the filing date.

Late Payments - If you are late with a payment, the 30-180 day delinquency can stay on your credit report for up to 7 years.

Tax Liens - City, county, state and federal tax liens are especially harmful and can remain on your credit report indefinitely.

Stay connected with Our blog to keep yourself updated on credit news and information.

eCreditAdvisor - Credit Score improvement, Credit Repair, Identity Theft Protection, Credit Restoration and Derogatory Credit Removal.

Credit Rating and its types :

Previously we discussed about Credit Report in detail, now we can discuss about Credit Rating and its types. Credit rating ascertains the financial trust worthiness of an individual, firm, or government. Credit rating is an opinion that is expressed by Credit rating organization relating to future debt repayments by borrowers. It helps investor to assess the risk level by comparing the offered rate of return with his expected rate of return. The different types of credit ratings are :

1. 
   

   
   Long term rating

   
   


2. 
   

   
   Short term rating

   
   


3. 
   

   
   Long term senior debt rating & Short term senior debt rating

   
   


4. 
   

   
   Servicer rating

   
   


5. 
   

   
   Fund credit rating

   
   

Long term Rating :

Ratings are also called as gradings. Long term ratings enable comparisons to be made of obligors capacity to honor the financial commitments for more than one year as contracted. The different types of long term gradings are:

A : High level of capacity to honor the financial commitment on the obligation

AA : A Very high level of capacity to honor the financial commitment on the obligation

AAA : Highest level of capacity of the obligor to honor its financial commitment on the obligation 

B : Low level of capacity to honor the financial commitment on the obligation

BB : This level of capacity to honor the financial commitment on the obligation may not be considered as problematic in present, but this should not continue in future

BBB : This level of capacity is likely to diminish in future

C : Very high default risk

CC : High default risk

CCC : Possibility of default risk

* A (+) plus or (-) minus symbol may be added to the rating symbols to indicate the relative standing of rating categories.

Stay tuned to our Blog to know more about the remaining types of credit ratings in detail in our next posts.

After Getting A Free Credit Report Some Struggle To Overcome Old Debts In Bad Credit Repair Process

Many consumers often begin the process of improving their bad credit score through acquiring a free credit report as many men and women often take advantage of an annual credit report available to them, specifically for the purposes of reviewing one’s financial history, credit standing, and where areas of debt may still need to be addressed. Obviously, not all consumers are finding their credit history is in good standing, but there are further issues that many consumers have faced when it comes to long-term unemployment and financial difficulties that may have led to write offs on their report, mistakes that may have been made, or obviously many consumers who are working to overcome multiple missed payments or delinquent debts. Read more at Red, White, & Blue Press.

Get connected with eCreditAdvisor's Blog to know more about credit.

Federal Fair Credit Reporting Act :

Federal Fair Credit Reporting Act (FCRA) is a federal law of united states, that gives right to the person to examine their credit history. It was passed in the year 1970 to safeguard the accuracy and privacy of the credit information used by the credit reporting agencies.

Your rights under the Fair Credit Reporting Act

• 
  

  
  The federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy of information in the files of every "consumer reporting agency" (CRA). Most CRAs are credit bureaus that gather and sell information about you-such as if you pay your bills on time or have filed bankruptcy-to creditors, employers, landlords, and other businesses. You can find the complete text of the FCRA, 15 U.S.C. 1681-1681u, at the Federal Trade Commission's web site. The FCRA gives you specific rights, as outlined below. You may have additional rights under state law. You may contact a state or local consumer protection agency or a state attorney general to learn those rights.

  
  

You can dispute inaccurate information with the CRA.

• 
  

  
  If you tell a CRA that your file contains inaccurate information, the CRA must investigate the items (usually within 30 days) by presenting to its information source all relevant evidence you submit, unless your dispute is frivolous. The source must review your evidence and report it's finding to the CRA. (The source also must advise national CRAs-to which it has provided data-of any error.) The CRA must give you a written report of the investigation, and a copy of your report if the investigation results in any change. If the CRA's investigation does not resolve the dispute, you may add a brief statement to your file. The CRA must normally include a summary of your statement in future reports. If an item is deleted or a dispute statement is filed, you may ask that anyone who has recently received your report may be notified of the change.

  
  

Inaccurate information must be corrected or deleted.

• 
  

  
  A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated (as described below) or cannot be verified. If your dispute results in any change to your report, the CRA cannot reinsert into your file a disputed item unless the information source verifies its accuracy and completeness. In addition, the CRA must give you a written notice telling you it has reinserted the item. The notice must include the name, address and phone number of the information source.

  
  

You can dispute inaccurate items with the source of the information.

• 
  

  
  If you tell anyone, such as a creditor who reports to a CRA-that you dispute an item, they may not then report the information to a CRA without including a notice of your dispute. In addition, once you've notified the source of the error in writing, it may not continue to report the information if it is, in fact, an error.

  
  

Stay connected with Our blog to keep yourself updated on credit news and information.

eCreditAdvisor - Credit Score improvement, Credit Repair, Identity Theft Protection, Credit Restoration and Derogatory Credit Removal.

Partner Integrity :

You want partners you can trust. When you refer a prospect/client to eCreditAdvisor, we don't shop your prospect to other brokers or bankers. We assign them as a client of yours in our system, and we report directly to you on their progress. As your client approaches graduation from our program, we reach out to you, to help you prepare to originate and fund their loan. You can be as involved as you want to be throughout their credit repair process. Regardless of whether your involvement is active or passive, our integrity promise to you is that we will return that client to you once they graduate our program.

Since 2004 we have helped hundreds of Loan Officers fund thousands of loans. Contact me personally and I will make sure you know how we can partner with you to improve your results.



Sincerely,



Todd Archambault

President, CEO, and co-Founder

eCreditAdvisor

todd@ecreditadvisor.com

Pipeline Management :

There is nothing worse than an empty pipeline. Use eCreditAdvisor to build and maintain your pipeline of new loans. How many deals have you canceled or denied in the last several months due to credit issues? These folks are still prospects for you when you send eligible candidates to eCreditAdvisor, and it costs you nothing to do it. You have taken a 1003 and pulled credit - instead of throwing that app in the trash, give it to us - with your blessing. It costs your prospect nothing to have us review their credit report - we provide a FREE consultation. The decision to enter our program is theirs, the cost is theirs, and the reward is theirs, and YOURS - we return that client to you with a credit score ready to fund!

Click below to enter the eCreditAdvisor site and refer that one client today.

https://www.ecreditadvisor.com/secure/login.aspx

eCreditAdvisor - Best Credit Consultation and credit repair.

For more details call us now to 800-693-9622, always at your service.

To our Valued Loan Officer partners:

Participate in our Partner Referral Contest. Refer us the name of a colleague Loan Officer, with their permission. That partner takes our webinar (20-30 minutes), signs on as an eCreditAdvisor partner (Free) and makes one client referral with a recent credit report included. We'll enter your name in a Draw for a $500 check. And if we pick your name, the partner you referred received a $250 Voucher to Zappos.com. No other rules or conditions except the contest ends June 30, 2012.

Refer your new partner directly to our President and CEO at;

todd@ecreditadvisor.com

eCreditAdvisor works with Loan Officers, for Loan Officers. Improving your client's credit score is our job. Helping you fund more loans is our goal! Not an eCreditAdvisor partner? It is easy to become a partner - and it's free. Sign up today and send us your leads - our goal will be to send you credit-ready borrowers.

How can I establish or rebuild good credit?

If you do not have a well-established credit history, you should begin to build one.

The trick is to start small: try applying for credit with a local business, such as a department store or a local bank or credit union. These local merchants may have lower credit standards than larger lenders.

Before you apply for credit, make sure the credit grantor reports credit history information to one of the major U.S. credit bureaus so you can build your history.

Other options: if you are having difficulty opening a credit account, include asking a friend or family member to cosign your loan or credit card application or obtaining a secured card, which is guaranteed by a deposit you make with the card issuer.

Actively monitor and manage your credit



While the most obvious thing you can do to build a solid credit history is to pay your bills on time, you can also take steps to protect your credit standing and make sure your credit report is accurate when you apply for credit.

Many credit reports contain inaccuracies, usually caused by innocent errors but occasionally by fraud (such as identity fraud, in which a thief uses someone else's name to open credit accounts). The Fair Credit Reporting Act ensures your right to dispute such inaccuracies in your credit report without charge.

You can also plan a credit strategy much like you would a budget to improve your credit worthiness. Taking steps like applying for a major credit card if you only have local credit, and keeping tabs on the number of inquiries in your report can improve your credit status.

See our tips on Handling Your Credit to Prepare for the Future for details.

If you can not mange it yourself, call us Toll Free at 800-693-9622

Free consultation on your credit related problem :

Your credit rating will be used in the future to determine auto, home, and health insurance rates for consumers throughout North America. Most lenders base approval on them and several insurance companies are already using them to assess risk. You have three credit scores, one for each credit bureau, and you may obtain all three from truecredit.com. As you improve your scores, you pay less to borrow!

Your free evaluation is a complete credit analysis based on payment history, judgments and other public records in addition to assessing balance-to-limit ratios on your credit cards.

Click here to receive our FREE Consultation on your credit problems.

US Applicants ONLY

eCreditAdvisor - Best Credit Consultation and credit repair.

For more details call us now to 800-693-9622, always at your service.

Credit Cards Closure

Closing a credit card is one of the important decisions to be made on Credit Card Mangement. Before you close the credit card, you need to know how it will affect your credit score.

Closing a credit card with or without balance will affect your credit score, not immediately but later.

Here are some of the advantages that you might get from closing a credit card:

• Ease the process of Credit Card Management
• Your credit report might have lesser information, if cards are closed properly
• Lesser the cards, lesser the debt
• Protecting yourself from Identity theft
• Fees on the cards are avoided

Listed below are some of the basic information you need to know before closing a credit card:

Does not improve Credit Score
If you are closing your credit card to improve the credit score, think back; because it does not. Even if you close it, the history associated with the card remains. Credit Score depends on the ratio of balances-to-limits. If you close a card for which you don't need to pay anything on it, it might not affect the score.

Impact based on whether who closes the card:
There is no difference on your credit score depending on whether you or the card issuer close the card.

Older the Card, better helps for Credit Score
Closing a card that you have used for 20 years with good payment history will affect your credit score negatively.

These are just the basic information and more details are to be discussed on the forthcoming posts.

Want to know more…..Call us Toll Free at 800-693-9622

eCreditAdvisor
Best Credit Consultation and credit repair

Free Credit Evaluation

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Bankruptcy :

Bankruptcy is a legal status of an organization or a person who is unable to pay any debts owed to the creditors.

Bankruptcy has become more common these days. Unemployment is at a high rate which makes people to opt for credit cards to fulfill their basic needs. Anyone can be the victim of this anytime.

Impacts of Bankruptcy:

Bankruptcy may help you in eliminating all your credit card debt, but it will show up on the credit report for 10 years. This will create a major impact in getting a new credit or even employment in the future.

Always, it is not the best solution to get out of debt. It should be the last option.

A step before filing a Bankruptcy:

Think for a while and ask these questions below to yourself

1. How much debt do you owe?

2. Are you employed?

3. Do you have any savings/assets?

4. Are there any possibilities for the debt to be paid off?

5. Could you afford a minimum payment monthly?

If you could answer these questions, you can determine on the options left to you. The effects of credit card bankruptcy are high and are long-lasting.

Here are some self-help tips to avoid bankruptcy:

• Manage budget - Create a budget and stick to it; Reduce unnecessary expenses; List out your source of income and expenses and don't spend more than you make.

• Contact creditors - If you could not manage your payments, then it is better to contact creditors. Let them know your situation and they will come up with a modified and better payment plan for you and organize your debt.

• Assets - Check on the assets/savings that you have which will help you pay off the debts.

• Extra Income - If you are an employee in an organization, try to work some extra time. Find sources for additional means of income.

• Credit Counseling - Contacting the professionals would be the best option. It might be free based on your location

• No Debt for Debt - Definitely avoid getting more debts to pay off an existing debt.

The above mentioned are some self-tips and can't assure you to get off debts, it is better to go for credit counseling. Be sure in researching the best option and act accordingly.

Let us see more tips to avoid Bankruptcy and more... Stay connected with our blog to keep yourself updated on credit news and information.

eCreditAdvisor - Best Credit Consultation and credit repair.
For more details call us now to 800-693-9622, always at your service.

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Credit Risk & Credit Risk Management

Credit Risk is the possibility that a receiver/borrower will fail to meet the obligation in accordance with agreement terms and conditions on the repayment.

Credit Risk Management is the process of managing the credit risk effectively so that the risks are overcome. The important objective of credit risk management is to make the most of the risk-adjusted return by maintaining credit risk exposure within satisfactory limits.

Credit risk management process will be effective when the existing critical and possible risks are clearly identified and analysed

Some of the important activities of Credit Risk Management are:

• Access and consolidate data from different systems and resources.
• Orderly and consistently incorporate credit scoring with overall portfolio assessment.
• Exactly forecast potential credit risk and constantly assess, screen and report credit risk.
• Optimize the allocation of resources

Be informed on financial and credit tips from our blog.

eCreditAdvisor has over 75 years of experienced personnel, including attorney’s, paralegals, financial consultants, mortgage and real estate professionals who are prepared to assist your every need.

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eCreditAdvisor's 4 Cycle Credit Score Maximizer :

Maximize your credit score with our 4 cycle approach!

Our 4 Cycle approach goes beyond just removing inaccurate and negative items from your credit report and attacks all the elements used in deriving your credit score make-up.

Our 4 cycle approach is currently averaging 87 points on mid-credit score.

Our cost structure for this program is 5 monthly installment payments of $190.00 for an individual or 5 monthly installment payments of $340.00 if you are signing up as a couple. The setup fee is your initial payment. We also accept by-monthly payments.

• Pricing includes initial consultation and analysis.

• Credit score maximization using 4 cycle 120 day technique.

• Cycle 1: Verification process directed at the 3 major credit bureaus.

• Cycle 2: Validation process.

• Cycle 3: Termination of inaccurate information.

• Cycle 4: Restructuring – New trade line additional

• Complete final evaluation where you are given a future road-map for continued credit score success.

• If you should require the removal of any accounts in dispute at the completion of this program we will do that for you free of charge!

Click here for Getting Started

Get connected with eCreditAdvisor's Blog to know more about credit, credit score and credit repair.

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Credit Statistics and the Bureaus :

• On average, today's consumer has a total of 11 credit obligations on record at the credit bureau.

• On average, today's consumers are paying their bills on time. Fewer than 4 out of 10 have ever been 30 days or more late on a payment.

• About 48% of credit card holders carry a balance of less than $1,000. About 54% carry a balance less than $5,000. About 10% of credit holders carry a balance of more than $10,000.

• The typical consumer has access to $12,190 on all credit cards combined. More than half the consumer population is using less than 30% of their total limit.

• The average consumer's oldest obligation is 13 years old. Only 1 in 20 consumers had a credit history of less than 2 years.

So why do Americans blindly trust three corporate entities with questionable histories and cutthroat profit-seeking motivations to play such a critical role in almost every aspect of their financial lives? And why do consumers sometimes even feel guilty going up against these larger than life conglomerates? Unfortunately, that's just the way it is.

Stay connected with our blog to keep yourself updated on credit news and information.

Posted via email from eCreditAdvisor's Blog by SocialNetGate

eCreditAdvisor's 3 Cycle Credit Score Maximizer :

With our 3 cycled approach your score will improve!

If you are currently applying for a loan or are thinking about refinancing and are hesitant because of a low credit score, give our 3 Cycle Credit Score Maximer a try. Our 3 cycle approach has yielded valuable interest saving results for 95% of our clients within the first 90 days of their contract with us.

Our 3 cycle approach is currently averaging 64 points on mid-credit score.

• The 3 Cycle Credit Score Maximizer is a three month program where you will be billed in 4 equal installments of $205 if you are signing up as an individual or 4 equal installments of $370 if you are signing up as a couple. The setup fee is your initial payment. We also accept by-monthly payments.

• Pricing includes initial debt consultation and analysis.

• Credit score maximization using 3 cycle 90 day technique.

• Cycle 1: Verification process directed at the 3 major credit bureaus.

• Cycle 2: Validation process

• Cycle 3: Termination of inaccurate information.

• If you should require the removal of any accounts in dispute at the completion of this program we will do that for you free of charge!

Click here to learn more on 3 Cycle Credit Score Maximizer

Click here for Getting Started

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