TRW Credit Group

2009-05-23T21:21:00.000-07:00

I finally find a service that works on helping people out in tough times.

Description Working with a reputable, dependable credit repair company is more important than ever. With mortgage options becomming more restrictive, a good credit profile and score is extremely important.

About TRW Credit Group:
We are the premiere and leading credit repair company in the USA. I CAN help you fix your credit. We are the ONLY credit repair company in existence to have never had a complaint filed with the better business bureau. TRW was founded in 2000, in Pottsboro, Texas. I encourage you to look us up.

We are licensed and bonded to work in all 50 states. We average raising client's credit scores 120-200 points in 90-180 days in MOST cases, sometimes less, sometimes more, but you have us on a contract, with a MONEY BACK GUARANTEE!! No one can do what we do, in the time frame we do it in!

We PERMANENTLY remove: bankruptcies, foreclosures, tax liens, civil liens, judgments, repos, charge offs, medical bills, student loans, late and slow pays, inquiries and old and incorrect personal information. You have us in contract for an entire year in case you need us again after we get you cleaned up.

The cost for credit repair is $699 if you are paying cash or with a credit card. You can pay it all now or 1/2 to get started and then the balance will be due in 30 days. If you can't do that, then you can finance it through our partner, RGR Finance, for $99 down WE CAN GET YOU STARTED!! Then break up the balance that is left, $700 over the next 4 months. It will break down to 4 monthly payments of $175 with 0% interest! The total cost if you choose to finance is $799. This is a win-win situation!! This is truly an amazing opportunity! The only requirement to get financing is a credit repair contract and a checking account.

We are doing residential business in all 50 states, and now we are even doing commercial credit repair. That's right, we will work on your Dunn & Bradstreet (D & B) report for you too.

We not only repair your credit, we repair your life!

Simplifying the Fair Credit Reporting Act, and other equally he
Over 80% of Americans have at least one negative item on their credit report, and unfortunately, just a fraction of those people are even aware that credit repair is a legal option. By utilizing the rights provided by state and federal law, we've removed thousands of negative items from consumers' credit reports.

FACT: Under the Fair Credit Reporting Act (FCRA), it is your legal right as a consumer to have your credit report improved.

FACT: Under the Fair Debt Collections Practices Act (FDCPA), it is your legal right to put an end to all of the harassing phone calls from creditors and collection agencies.

Creditors and credit reporting agencies have spent millions convincing Americans that credit repair is not possible. Don't be a victim any longer! These laws were written to protect the consumer, take advantage of them.

It is a general misconception that the credit reporting agencies are part of the government, when in fact the credit reporting agencies are not government related. Credit reporting agencies are privately owned companies that make their money by collecting information about you and selling it to others. This is an example of one of the many flaws in our Credit Reporting system. The Credit bureaus prioritize activities that improve their bottom line above, ensuring that your credit bureau is accurate and that the information is properly verified. In a response to this, and many other problems, Congress passed a collection of laws called the Fair Credit Reporting Act (FCRA), and the Fair and Accurate Credit Transactions Act (FACT Act) which regulates the actions of the credit reporting agencies. Before anything may be added onto your credit report, the credit reporting agencies must ensure that:

1) The information meets all legal reporting requirements,

2) The information was properly verified as accurate and complete and

3) The information does not violate any (FCRA) or (FACT Act) laws.

To be clear, these laws entirely place the "burden of proof" onto the creditors. There are more than 320 federal credit reporting laws, and it is highly common that unsubstantiated information is added to credit reports without proper verification. A study conducted by United States Public Interest Research Group (USPIRG) has documented that a staggering 4 out of 5 credit reports do not meet full legal compliance. By knowing these laws, you can take full advantage of your creditor's inadequacies. You don't know the laws? Great news, TRW does.

Common Misconceptions about Credit Repair:
Credit repair is a scam and does not work
This is simply not true! An entire industry of companies would not exist if that were the case. The fact is that the credit bureaus want you to think that it does not work. That is where the majority of all the misinformation comes from. The credit bureaus are large corporations that are interested in making profits. The credit bureaus make money each time credit information is pulled. Often times people with lower scores get their credit pulled more frequently than people with good credit.

It costs too much, I cannot afford it
It may appear that way on the surface. The upfront fee may be hard to swallow, but look at it this way. How can you afford not to? Let me throw some numbers at you taking a $25,000 car loan over 5 years;

Credit Status
Rate
Payment
Cost of Bad Credit

Perfect
0%
$416
$0

Mildly Damaged
5.0%
$471
$3.300

Damaged
10.0%
$531
$6,900

If you think that's a lot, how about a $175,000 mortgage over 30 years;

Credit Status
Rate
Payment
Cost of Bad Credit

Perfect
5.5%
$993
$0

Mildly Damaged
7.0%
$1,164
$61,560

Damaged
8.5%
$1,345
$126,720

This is just a mortgage and 1 car loan, this doesn't take into account insurance, credit card rates, etc... Almost everything these days is impacted by credit scores. That is why our motto is "We not only repair your credit, we repair your life"

Accurate information cannot be removed for 7 years & BK's cannot be removed for 10 years
This is a true statement, but the misconception is in the definition of the word accurate. Here is dictionary.com's definition of the word accurate: free from error or defect; consistent with a standard, rule, or model; precise; exact. What this means, is that an account that is 99% accurate is not OK. Our conventional thinking is that if the dollar amount and the creditor are correct, then that is accurate. That is simply not the case. There are numerous other factors that come into play when a creditor puts an item on a credit report. For example, something as simple as a typo, or 1 misfiled piece of paper can make the difference. Our track record of getting negative items removed is in the neighborhood of 90% - 95%, and that is not luck. The odds that there is an inaccurate aspect on any tradeline is great, and that is all it takes.
I don't trust people in the credit repair industry
Let's face it, every industry has their "bad apples", credit repair is no different. What I recommend is that you look us up. We are licensed and bonded in all 50 states. We are registered and have a clean record with the BBB. We have been in business since 2000. These are all characteristics of a reputable company; please do not confuse us with the scammers, or frauds that are out there. In fact the vast majority of bad press comes from the bureaus. They do not want to spend time going back and fixing their errors.

I should not pay to do this because I can do it myself
You can do this yourself, you are right there, but knowing the specifics of the law is very important. You can also do your taxes yourself, change their radiator on your car yourself, and drive a package overnight to Chicago yourself. My point is that although it is an option for you to do this on your own, it may not be the best option for you. Credit repair is not a simple process. It will take the average consumer a tremendous amount of time, effort, energy and frustration to do what we do for them. It is the convenience & the effectiveness that you pay a firm like TRW for. We take the burden off and get results.

When negative items are removed they come right back on
Although this does occur from time to time TRW stands behind every account we remove where others may not. If we remove an account and it ever shows back up, regardless of how long ago we removed it, we will get it removed again using the same documentation we did the first time. Some other agencies will not deliver that, so creditors try to put stuff back.

Call Today for new Fresh Start

(866)372 6982

Trw Credit Group

TRW Credit Group