Duration : 0:2:32

Technorati Tags: "Credit, bills, com, fix, from, how, my, now, removed, report, see, your

anyway, here you can see me trying to use the normal camera feature, but the shutter refuses to open
Then you see me using an app called Mirror Free which is available on the appstore, which successfully opens the front camera

This says its a software problem rather then hardware, at which i have restarted the phone, reset the phone, restored the phone and made sure the firmware is upto date which none of these fixed the problem.

Duration : 0:0:47

Technorati Tags: bug, camera, iphone, Shutter

Duration : 0:1:46

Technorati Tags: bad credit, bankruptcies, charge offs, collections, credit repair, Fix my credit, increase credit score, late payments, negative settlements, Repossessions

Duration : 0:2:22

Technorati Tags: fix my credit score, fix your credit, raise your credit score., reapiring my credit score, repair your credit

Duration : 0:1:46

Technorati Tags: "Credit, "dallas, "houston, "repair, advice, after, agencies, agency, american, attorney, attorneys, bad, bankruptcy, beacon, best, Book, books", business, card, cards, ccrs, christian, com, companies, company, consumer, counseling", discussion, ebook, firm, forms, forum, forums, guide, help, history, info", Information, kit", kits", law, laws, lawyer, lawyers, leads, letter, letters", to

Duration : 0:1:40

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"This company bought this debt from this company. Thats why it is on here twice," and stuff like that.

I also want someone that has enough experience to say "Paying this debt off is NOT going to fix your credit score. Besides….its going to fall off your report in two years anyway."

I understand that credit consolidating companies ONLY consolidate my credit. They dont bother with drafting "Pay For Delete" letters and actually trying to RAISE my credit score.

Basically I need someone to take my credit reports and come up with a master plan. I want a financial advisor, I guess!

Dont anyone understand what I need????

PS – I am in Chicago

Take it one step at a time. For starters, paying off derogatory items will NOT improve your score. The damage is done and will remain for the balance of the 7 year reporting period, whether paid or not. That means that anything that has been charged off and sent to collections has already hurt your score.

Derogatory items age off your credit report 7-1/2 years from the date of first deficiency (default) — not the date the account opened or the date reported. It’s 7 years from when you stopped paying on the account. Credit reports often show the date the item will age off.

Pay for delete agreements only work for single entry items like medical or utility bills. Collection agencies can only remove what they report. It doesn’t work for regularly reported items like installment loans and credit cards because the original creditor’s charge off remains. It is also getting harder to get collection agencies to accept pay for delete agreements. The credit bureaus frown on removing legitimate items and more collection agencies are complying with the credit bureau policy.

Forget consolidation companies. Forget debt settlement companies. Forget credit repair companies. They can’t raise your score and will just cost a lot of money.

To improve your score, you need at least 24 months of consistent, on time payment history. If you don’t have an open active account, get a credit card, even if you have to get a secured card. Use the card and pay the balance in full every month.

Duration : 0:1:17

Technorati Tags: "Credit, "repair

The credit repair process by itself is a
great start to reestablishing your credit
but by itself is not the complete solution.
Credit repair is only one part of the entire
process and in order for you to really improve
and maintain their credit they need to
incorporate other strategies as well.

Duration : 0:0:37

Technorati Tags: credit repair, Financial Literacy, fix your credit, How to improve your credit