Jackson, MS

Expert Credit Repair in Mississippi

National Credit Fixers: 330 Roberts Street 4th Floor East Hartford CT 06108 phone: 860-282-6181. National Credit Fixers boasts of 13 years experience repairing low FICO scores. Whether your credit has been damaged by a foreclosure, bankruptcy, slow credit, collections, judgments, repossessions, etc. we can help. We are the experts in credit restoration and credit repair. We have helped numerous residents of Mississippi and are experts in Mississippi credit repair.

If you've already considered do-it-yourself credit repair and concluded that a credit repair service is the way for you to go, be sure to take some time to do a little research before choosing one.

Unfortunately, an alarming number of companies advertising credit repair services are scams. They promise, for a fee, to clean up your credit report so you can get a car loan, a home mortgage, insurance, or even a job. After you hand over the fee, they simply disappear with the money without doing a thing to help you with your credit report.

Do Your Homework

Before engaging a credit repair service, research the company. The Better Business Bureau, your state attorney general's office, and other state consumer agencies are usually a good place to start; this should give you any idea if consumer complaints have been lodged or if any legal actions are pending against the company.

Ask Questions

Find out what the credit repair service is promising. No one can legally remove accurate and verifiable negative information from your credit report, and anyone who promises they can is working a scam. So exactly how are they removing the bad credit items from your credit report? Asking a few questions can help you weed out the bad companies from the potentially good.

If the credit repair service is giving you answers within the bounds of the Fair Credit Reporting Act (discussed in "How do I improve my credit; how long does it take?"), it's a decent bet to be on the up and up. It's when they begin to promise things that just are not possible, and are probably illegal that you should be wary.

Credit Repair Organizations Act

Congress passed the Credit Repair Organizations Act (CROA) to ensure that consumers are given information they need to make an informed decision regarding the purchase of credit repair services, and to protect the public from unfair or deceptive advertising and business practices by credit repair agencies.

The CROA requires that credit repair agencies do the following:

1. Provide potential clients with a written explanation of the rights afforded by the CROA before a contract is signed, including the consumer's right to contact the credit bureaus themselves.

2. Provide a written contract which sets forth the services to be performed, any guarantees, and all payment arrangements.

3. Provide a copy of the contract to the consumer.

4. Provide a three day "cooling off" period before the contract takes effect and services begin to be rendered.

If the credit agency is not complying with the CROA, you should not be doing business with them. Remember, under the CROA you have a three day "cooling off" period to cancel the contract without paying any fees, and you credit agencies are prohibited from asking you to waive your rights under the CROA (even if they are waived, the waiver is void).

Danger Signals

Beware of the following sure signs of a scam:

1. Any request for payment before services are rendered. The CROA clearly prohibits credit repair services from charging for their services before they have completed their services.

2. Promises that all negative information will be removed from your file. A good credit repair company will tell you that they can not guarantee any specific results.

3. Any offer to create a new credit identify for you. If the credit repair service advises you to create a new taxpayer identification number for the purpose of applying for credit, run! This is also referred to as file segretation, and is a federal and state felony. Also, if you follow illegal advice and commit fraud, you can be prosecuted yourself.

4. Check to see if the company readily lists their physical address on their website. If they don't you have to wonder who they are hiding from.

:)
Matt

Toll Free: 888-NCFIXER (623-4937)
Toll Free Fax: 888-FAX-4020 (329-4020)
Local: 860-282-6181
330 Roberts Street 4th Floor
East Hartford, CT 06108

credit repair

Whether you live in Jackson, Mississippi or you're just visiting the area, you will never have a lack of activities to fill your free time. There is always something going on in Jackson. We have listed some of the upcoming highlights so no one misses out.

Scooper Bowl Flea Market & All You Can Eat Ice Cream Festival - May 16^th from 7 am to 2 pm at the Good Samaritan Center. A non-profit organization at the Good Samaritan Center will be holding this annual event, so don't miss out.

Icons From the Collection - May 30^th from 10 am to 5 pm at the Mississippi Museum of Art. The gallery has gathered a huge collection of paintings, prints, drawings, sculptures, photographs and other artwork to display from many famous artists, including Elizabeth Catlett, James Abbott McNeil Whistler, Georgia O'Keeffe, John Sloan and many more. This artwork is changed periodically, so make sure you see this collection before it's changed out.

Raoul Dufy: A Celebration of Beauty - June 11^th from 10 am to 8 pm at the Mississippi Museum of Art. You won't want to miss this great art display. Raoul Dufy's expressive style of painting has captivated people around the world since the early 20th century.

We hope you get to enjoy these highlighted activities as they occur. Each one will be fun, informative and something the whole family can enjoy together.

Realtors® Mary & Bill Watkins ~ Jackson, Mississippi Real Estate

Jackson, Mississippi Community Information

Search Homes for Sale in Jackson, Mississippi

Many people don't know this, but our nation celebrates a National Tourism Week once a year. This year, National Tourism Week is May 9 through May 17. Therefore, Jackson, Mississippi will be celebrating in style.

This is the perfect opportunity for visitors to come and see what a great community Jackson, Mississippi is. For those who are planning on relocating to Jackson, this event is even more perfect for you. Visitors will get to tour the city and see all that Jackson has to offer.

Here is the schedule for National Tourism Week in Jackson, Mississippi.

Saturday, May 9 - National Train Day Celebration at Union Station at 11:00 a.m.

Wednesday, May 13 - Traditional "Wear Red" Day and Company's Coming to the City with Soul Clean Up/Fix Up Day at 9:00 a.m.

Friday, May 15 - Soul Day at the Vicksburg Welcome Center and Downtown Jackson Trolley Tour from 2:00 - 4:00 p.m.

Sunday, May 17 - Plunge into Tourism at the Jackson Zoo from 2:00 - 4:00 p.m.

National Tourism Week will be a great week to be in Jackson, Mississippi, so don't miss out. There's just no better way to sample the south.

Realtors® Mary & Bill Watkins ~ Jackson, Mississippi Real Estate

More Mississippi Communities ~ Homes for Sale in Jackson, Mississippi

It's Foreclosure Friday time! Over the last several weeks I've written the Foreclosure Friday series to share a little about the process of finding and buying foreclosures in the Metro Jackson area.

HUD's inventory is down this week, but there are still 35 available properties in the metro area for sale.

One home in Florence, MS is priced $10 a square foot less than its nearest competitor in the same neighborhood. 573 Eaglewood Drive is listed for $108,900 with an "as is" value of $121,000.

Another property, 613 Harvest Drive in Ridgeland, has been reduced from $131,000 to $117,900.

There are a number of foreclosures available through VA, Fannie Mae and Freddie Mac. If you have a particular price range and area that you are interested in, you can search the Jackson MS MLS or subscribe to my blog to receive weekly updates.

Have you received the "green light" to buy a home? Getting pre-approved is an important first step in buying a home, whether you are looking at foreclosures or any other property.

Many people are interested in buying foreclosures because of the value they represent. While it's true that foreclosures can be purchased below market value, giving the buyer instant equity, remember to factor in the cost of repairs. Most foreclosures are sold "as is".

In case you missed any of the previous Foreclosure Friday posts, you can review them here. See you next week!

Image compliments of FreeFoto.com

Premiere Edition of Foreclosure Friday - Tips for Buying a Foreclosure

The procedure for buying a HUD foreclosure

Search all MS Foreclosures - Links for HUD, VA, Fannie Mae and Freddie Mac

Foreclosures for Sale in Rankin County MS

Overview of Foreclosures throughout MS

Be Prepared! Get pre-approved

Today I found myself in the historic Fondren district around lunchtime and decided to stop in at Walker's Drive In for lunch.

Walker's Drive In, a popular Jackson eatery, is located between Fondren Place and Duling Drive at 3016 North State Street. Business is brisk with it's lunch clientele and the Blue Plate Special is popular with the locals, as are the fried green tomatoes, fried portabello mushrooms, and burgers and po-boys.

Walker's is mentioned in the Top Ten Jackson Restaurants by 10Best. The decor is intriguing art-deco, complete with glass block windows, black and white checkerboard floors, and white linen tablecloths. You can dine at the counter or sit at one of their booths. Today a number of people were enjoying the open air patio overlooking North State Street.

If you want to experience friendly service and good home-cooking, stop by Walker's Drive In for a tasty treat and enjoy the unique atmosphere offered by this historic landmark.

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Pat Starnes, a Realtor since 1988, specializes in Mississippi Residential Real Estate and can assist you with buying or selling in the Jackson MS Metro area.

Search homes for sale in Brandon, Pearl, Flowood, Madison, Ridgeland, Florence, Bryam, or Jackson, MS.

Written and Published by Pat Starnes REALTOR

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