James Jeter - The Credit Repair Guy

Years ago, when I was still in high school, I was part of a nationwide delegation that had the privilege to visit the nations Capitol and meet senators, representatives, and several other political and public figures of our country. I toured the halls of congress, visited the great monuments dedicated to former Presidents Lincoln, Jefferson, and Washington and even dined in the restaurants where past luminaries like Nixon, Kennedy, and Johnson enjoyed their lunches and dinners.

However, one of the greatest moments that I witnessed was the changing of the guards at the Tomb of the Unknowns. It was an amazing thing, seeing that the earthly remains of these unknown service men being protected and honored. In case you didn't know, the Tomb is guarded 24 hours a day, 365 days a year. I didn't realize it back then, but looking back today, I realized I was in the presence of thousands of soldiers, airmen, seamen, and corpsmen that will never be mentioned in the history books by name and their memories will only be remembered by their loved ones and those that new them. Some may have had their likeness and names printed in obituaries and, more recently, broadcast on the evening news in certain cities and towns. However, unless they were a great general or commander, or turned their war time heroics into a successful political career, many of them will never be remembered by the general public, their only mark left to the masses is a tombstone in the plush green fields of the National Cemetery along with thousands of other unsung heroes.

This weekend, while you're enjoying your extended weekend, take time to remember the heroes that gave themselves to fight for our freedoms and our rights, and thank the ones still here with us for doing a duty many of us have never undertaken. Keep in you prayers and your thoughts the thousands of currently active duty and reservists that are abroad and stateside that make it possible for us to enjoy a 3 day weekend with out fear of tyranny or oppression. Visit your local National Cemetery and take a moment to remember the forgotten, unsung, and unlisted heroes that allow you the liberty and freedom to pursue your dreams and endeavors. I'm sure thousands of people will converge on the monuments and cemetery in Washington, D.C. and it's vicinity this weekend as well as other monuments and edifices across this great land that salute our heroes. Will you be one of them? Will you honor their memory this Memorial Day? I will. I hope you will too!

Leukemia is a deadly disease, a cancer of the blood and/or bone marrow. There are various forms of leukemia. Some are incurable, but most are treatable with modern medicine. As you can imagine, the hospital bills for the treatment can be horrendous. Sadly, one of my friend's little brother has recently been diagnosed with leukemia. To help with the mountains of medial bills that are beginning to pour in, Chick-fil-A has pledged to donate 15% of all sales to the McFadden Medical Fund to help Jason and his family.

Chick-fil-A has some of the best fast food around. It's a favorite of my family, and the menu has wide variety of different tastes for every palate. If you happen to be in Carrollton, stop by the Chick-fil-A located at 2652 Old Denton Road and order something to eat, drink, or nibble on. They've got an awesome sweet tea and their waffle fries are some of the best around. So feed your hunger and help a family in need. It will cost you nothing more than the price of lunch to help them. Be sure to mention that it's for the McFadden Medical Fund when you order. Who knew helping someone could be so tasty! Chick-fil-A will be donating 15% of all proceeds on Friday, May 23 and Saturday May, 24. On behalf of Jason and the rest of the McFadden Family, thank you for doing what you can! Have a safe and Happy Memorial Day weekend!

Back in June of 2004, the US Public Interest Research Group conducted a survey in regards to the accuracy of the information contained in their credit reports. They asked adults in 30 states to order their credit reports and complete a survey. Here's what they concluded:

• Almost 8% were missing major credit, loan, mortgage, or other accounts that demonstrate the creditworthiness of a consumer.
• 22% listed the same mortgage or loan twice.
• 25% of the credit reports contained serious errors that could result in the denial of credit. This included false delinquencies or accounts that didn't belong to the consumer.
• 30% of the credit reports contained credit accounts that had been closed by the consumer but remained listed as open.
• 54% of the credit reports contained personal demographic information that was misspelled, long-outdated, belonged to a stranger, or was otherwise incorrect.

Overall, 79% of the credit reports surveyed contained either serious errors or other mistakes of some kind. That's an astounding number when you consider that the big three credit bureaus (Experian, Equifax, and Trans Union) maintain files on nearly 90% of the US adult population. But there is something that you can do about it.

Here are a few tips on what to do to make sure that your credit report is as accurate as you can make it:

• Order your free annual credit report and make sure that the information contained is accurate.
• Contact the credit bureaus if you find any information that you deem is inaccurate or obsolete.
• Contact a credit restoration/repair company to help you correct these errors. Credit restoration companies have the experience and track record to make the large credit bureaus accountable for the mistakes they put on your credit report.

Don't forget that the credit bureaus are FOR PROFIT companies, not government agencies. They are a facilitator of your information and they collect and compile your information from banks, lenders, creditors, and from public records. They SELL this information to credit grantors, landlords, employers, insurance agents, and anyone interested in extending credit to the client. While the law states that the credit bureaus must correct inaccurate information, the credit bureaus will not spend their time or resources to do this with out first being motivated by the consumer.

Even if you've tried to dispute your information before with no results, contact us so we can help. We will make the credit bureaus do their jobs and put the burden of proof on them, making sure that all the information on your credit report is accurate, timely, and validated. With our knowledge and experience, we can get this done in a quick and effective manner and get you started on enjoying a lifetime of good credit!

I was speaking to a friend of mine that is trying to jumpstart his business. He's run into some rough times and given the current state of the economy, I know that things are hard for a lot of people. However, this friend of mine, complains that he never has any money, he can't pay his bills, and that life, in general, is tough. I can empathize. Being in sales, the slow periods can be brutal. He's complaining that he can't acquire the financing he needs to get some new equipment and hire additional help to grow his business. So, I segue into what I do: Credit Repair. Before I can get started, he tells me, "James, I can't afford it." This is a guy that spends about $50 a night drinking his sorrows away (granted, I like the occasional greasy burger and draft myself after a game of pool) and he's a poker buddy of mine that I've seen drop wads of cash onto the felt. I'm not judging my friend, mind you, but realize that like many people, the COST of something (even if they don't know what the actual cost is) hinders him, but doesn't even think about the money he's throwing away on frivolous diversions and high interest debt. As you can see on the graphic to the right, I've broken down the cost of bad credit. While this may not pertain to everyone, it's a good example of how much money bad credit costs an individual.

Besides the high cost of extremely high interest rates, bad credit takes more money out of your wallet:

• Cell phone and home phone deposits and fees
• Higher insurance premiums for auto and home insurance
• Additional set up fees and deposits for gas, water, and electric service
• Having to utilize payday loans for emergency reasons rather than having an emergency fund saved up or a credit card set aside for these purposes
• Inability to open up a Free Checking Account and resorting to a DEBIT card that you have to pay a monthly fee or a per transaction fee
• Inability to obtain financing whatsoever without collateral or money down

There's plenty of reasons why people end up with bad credit. There's no reason why people have to continue to live with bad credit. We can help restore your credit, help you create a budget, educate you on how to maintain and improve your credit, and help you reestablish yourself so you can enjoy the benefits of living with good credit. While our pricing is determined on a case by case scenario, one guarantee I can make is that everyday you do nothing to improve your situation will cost you more than my program in the long run. The savings you will get in your first year alone will more than pay for your investment to make this positive change in your life. Plus with a money back guarantee, what do you have to lose but bad credit. After all, it's your hard earned money we're talking about. Maybe I'm a little crazy, but it just seems to make sense for you to keep most of it.