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Thank you for
visiting Fix Your Credit. My
name is Bryan Phillips and I had horrible credit. After my first marriage, at the age of 26, I was
stuck with all the credit debt that my wife and I had acquired. We had a
new car on credit with almost zero down and we applied for and received
every credit card offer mailed to us. We also had every major department
store cards in our area. Fourteen months later when the marriage ended,
I was young and in serious debt. I did not own a house, getting a loan
to pay everything off was impossible for a guy with so much debt. I
asked family and friends, but nobody wanted to get involved with this
kind of debt. I had no choice but to file bankruptcy. This was a very
tough choice for me because I had a good job but barely made enough
money to cover the minimum monthly payments. If I wanted something I
would just skip a couple of payments for the month.
At the age of 29, I was starting a new marriage and
trying to buy a house. My credit was too low. This was the story of my
life for three years. I was embarrassed that my new wife could not live
in a house that we owned because of my poor credit. I turned to a credit
repair agency in Southern California for help. For $650.00 they helped
me fix my credit. At the time, it was worth the money because my new
wife and I moved into our own home. We were also able to buy a new car,
get a check guarantee card and get a Visa card. All these were easy
things that I could not do with bad credit.
Over the years I have consistently had to check my
credit and delete derogatory information that would pop up. I checked my
new spouse’s credit and she too had information that should not have
been on her report. As I would fix our credit, I would investigate and
learn tips and tricks to speed up the process, or to go after the people
reporting bad info. I learned what to request from creditors in the
wrong to make easy fixes later to my report.
This is why I decided to compile everything I have
learned over the past twelve years and try to help others in similar
situations, but at a much more reasonable price. No one should have to
live with bad credit, especially when you are not at fault. I will also
help you challenge items that should be on your report. It doesn’t hurt
to try and remove all negative history from your credit file.
So here’s to you and better credit! You can, and
deserve, to have better credit.
For
More Information, click here for "Fix Your Credit" TV
Commercial!
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