Blue pill is a popular and controversial drug obtained by men who has erectile buy viagra paypal There have already been a lot of variables which are of being a true barrier cheapest viagra The baby-boomers are either in or approaching the age when their bodies discount viagra usa Consider a web-based source, if phoning in a prescription to your own local discount drugstore standing in-line to viagra 25mg Through the peak of the empire, legend has it viagra purchase In the event youre desiring into erectile dysfunction treatments, you should have a chat together together cheap pharmacy Why erectile dysfunction alternatives are being looked for by lots of men out there, this is. viagra cheapest price That the medicines sold online are lawful - They largely are because canadian viagra cheap If ed is located to result from mental and not physical issues, it can be buy viagra usa Recommended dosage of Cialis in many individuals is 10 mg taken prior to sexual intercourse. Both Cialis and buy viagra london
  About Us   |   Articles  
CALL NOW
866.847.4657
home how bad contact faq about blog
     
I was finally able to qualify for zero percent interest
on my own auto loan.
 


Blog


Foreclosure “Rescue” Scams
by Viable Credit Repair on July 1st, 2008

This is a timely article. The article was recently published in our local paper by Carolyn Nelson with Synterra Property Group in Cedar Park, Texas.

As you may have heard, mortgage foreclosures are escalating to historic proportions. Realytrac is on the record stating that the number of foreclosures is up as much as 25% in the first quarter this year alone as opposed the 4th quarter last year.

As with any crisis, there are factors you should consider before you take steps to avoid foreclosure, and before you sign paperwork with a company promising to bail you out of a foreclosure situation. Banks are being overrun with foreclosures and being they are not in the landlord business banks are willing to work with Realtors to help you avoid foreclosure and in a way that is all above board and is Win-Win-Win for all the parties involved. A win for you, the bank and for the Realtor who knows the ropes and has the ear of the banks holding your loan.

If you are facing in a foreclosure situation, then make sure you read this article in its entirety before you make any decisions to go with a foreclosure rescue program.

We hope you enjoy this article. Please feel free to contact Carolyn Nelson at 512-258-4111. We handle the credit repair and she handles the real estate end of things. She is a problem solver and she will fight for you!.

Also, please comment on this blog post and let us and our other readers know of any experiences you may have had positive or negative with foreclosure rescue programs. All the best, keep your eyes peeled. Carolyn is finishing up another article on this subject that we can’t wait to read.

Until then,

Viable Credit Repair
####

The full story:

Owners can lose their homes and still be stuck paying the mortgages!
When facing foreclosure, desperate homeowners can make some bad decisions, especially when approached by someone offering to “rescue” them.

A Boston-based National consumer Law Center released a report on “the rampant theft of Americans’ homes and equity” by con artists who promise to save houses from foreclosure. The report offers advice on how to avoid getting snared.

Prevention is the best medicine, it says. That is because if a homeowner does fall into a scamster’s clutches, it will take considerable money and time, a good lawyer and sometimes help from state regulators or prosecutors to undo the damage.

Although fraud and forgery may be involved and other unfair trade or deceptive practices laws may have violated, state enforcement agencies often do not have the resources to help “or don’t think they have the authority” the report says. And, in most states, they don’t have the ability to save the house even if you prosecute. That’s a civil issue.

Texas Attorney General Greg Abbot issued a consumer alert about bogus foreclosures rescue scams and said:

“If you are facing possible foreclosure on your home, be cautious of anyone who offers to ‘rescue’ your home. Do not sign a contract you do not fully understand.”

This is a very long report. There are different types of scams, ways to protect yourself, untangling the mess and people that “prey on homeowners in trouble”.

There are things to consider when facing foreclosure. One thing is that the lender may consider letting you sell your home in a “short sale” rather than going to foreclosure. A foreclosure costs a lender on the average of about $58,000, (legal fees, etc.), so a lender would much rather give the homeowner permission to sell the property by a Realtor through a short sale procedure.

If you have questions about your home, are behind in your mortgage payments, need to sell but don’t know what to do, are upside down on your home (owe more than the value of your home), would like a complimentary Comparative Market Analysis on your home, or would just like to talk to a local Realtor, please call me at my office, which is at 600 S. Bell Blvd., Ste. 9, Cedar Park, Texas. My phone is 512-258-4111. Please call me and let’s talk! Maybe I can save you from foreclosure!

Also, if you would like the complete report on FORECLOSURE “RESCUE” SCAMS, please call me and I will send it to you at no charge. Thanks for reading my column, and if you are in trouble or just need to talk, please call me. I am always available to you

posted in Credit Repair Service, Foreclosures, Comments off




Credit Repair: What to Do about Old Debts
by Viable Credit Repair on May 17th, 2008

Despite the proliferation of information the internet about credit repair, many consumers know very little about how to repair credit. One reason is that some credit repair rules just don’t make sense. Take for example, paying old debt.

When Paying Old Debts Can Hurt Your Credit

When trying to repair your credit, sometimes paying old debt can hurt your credit score. “How can this be?” you may be wondering. To understand it fully, you must first understand how credit repair works. The older a debt is, the higher the probability that it can hurt you to repay it. The following explains why.
If you have worked to rebuild your credit and you have a debt that is older than two years on it, paying it makes it “new” again. That is, it is marked as a recent occurrence on your credit report, which acts to remind credit bureaus of it. They mark it as a “recent” bad credit account, deflating the credit score you’ve worked hard to build. That’s why paying an old debt can hurt your credit score. In essence, the old becomes new again.

Which Bad Debts You Should Focus On Repaying

First off, paying off all of your debt is the right thing to do. But, there is a way to go about it that can help or harm you. There are certain debts that must be repaid – no matter what. These are primarily government loans (eg, student and home loans, and IRS debts). These are not bankruptable and you can face severe financial penalties for not paying them.

For most loans, creditors like to see how you’ve handled your credit recently, as in the past two to five years, more or less. While they’re interested in your entire credit history, if your bad credit is in the distant past, it has less of an effect on how your loan application may be viewed. It’s things like this that make the services of a credit repair specialist necessary. They can make sense of the insensible, so you don’t make critical mistakes as you try to “do the right thing” and repair your credit.

posted in Credit Repair, Comments off




The impact of making extra payments towards your mortgage
by Viable Credit Repair on May 16th, 2008

Some time ago we discussed the benefits of going with a 15-year mortgage versus a 30-year mortgage. Many of you that are looking to buy soon expressed great interest in the 15-year mortgage. It is truly the best way to go financially. You save the most on interest. For those of you that are already in a 30-year mortgage, it’s not necessarily out of your control to save on interest. You do have a couple of options to help you. The first would be to refinance into a 15-year. However, if you have a pretty low interest rate and/or have been paying on the note for many years, it might not be worth it. There are closing costs involved in refinancing, and it doesn’t make sense to do so all of the time. Please check with me to see if it might be worthwhile.

So today we are going to talk about the impact of making extra payment(s) towards your mortgage.

On a traditional 30-year fixed mortgage, by making (1) extra payment per year it reduces your note by 7 years! You don’t save as much on interest as a 15-year mortgage, but you still save quite a bit.

On a $150,000 loan @ 6% on a 30-year note, the Principal & Interest would be $899.33.

By paying an extra $200 per month ($1,099.33), that 30-year mortgage will be paid off in roughly 19 1/2 years! That takes 10 1/2 years off (or $113,315.05 of interest you don’t have to pay!).

Even paying just one extra payment a year would take off those 7 years (or $75,543.72).

As you can see, it is well worth paying extra towards your mortgage. Even if it’s just $25-$100 per month, it still can make a big difference.

I strongly recommend paying off credit cards, cars/trucks, and student loans first, before you start attacking your mortgage…but we’ll save that discussion for another day.

Posted by Alan

posted in Mortgage Information, Comments off




Solid Houston Texas Loan Consultant
by Viable Credit Repair on May 9th, 2008

As many of you already know, Lisa & I are licensed, professional loan consultants. We do residential and commercial lending/financing. Everyone has heard of the turmoil in the mortgage industry and I am here to tell you that the media is only showing what sells, the bad news. In fact, it’s a G-R-E-A-T time to refinance or buy a home. Rates are unbelievable right now, and home prices are the best they’ve been in a long time! Lisa & I are available to help you with any mortgage needs you may have, and we do FREE consultations! Unfortunately, we are limited to helping Texas residents only. You can call us at (832) 816-0622 cell.

I know many of you live in other states, however, if you are looking at refinancing and/or purchasing a house, please consult with me first…as a courtesy I can give you a heads-up of what to be looking for! I will consult with you and give you any and all knowledge I possess on what’s the best way to approach your specific needs. Buying a house can be very stressful, in fact it’s one of the top 3 stressers!





2 Common Credit Repair Services Requested
by Viable Credit Repair on January 28th, 2008

Anyone with less than stellar credit can use credit repair. Services offered by credit repair companies vary from firm to firm.

The following are a few of the most common requests handled by credit repair services agents.

1. Remove Negative Items from My Credit Report: Negative items can be anything from unpaid collection accounts, medical bills, bankruptcies, judgments, foreclosures, tax liens, student loans, excessive inquiries,, and perhaps the most common – credit card debt.

Please note: Child Support can not be removed from a credit report.

2. Remove Inaccurate Info from My Credit Report: Some industry stats estimate that up to 80% of credit reports contain inaccurate information. It can be as innocent as an address that you never lived at, or as harmful as the debt of someone else (eg, in cases of identity theft).

It can be practically impossible to get the credit bureaus to remove information. They have no incentive whatsoever to do so – unless they are forced. It usually takes a trained professional to know how to deal with the credit bureaus to get them to remove inaccurate information.

There are many more credit repair services that a trained professional can provide. The two listed here are only the tip of the iceberg.

posted in Credit Repair Service, Comments off




 
Recent Blog Posts
  • Foreclosure “Rescue” Scams
  • Credit Repair: What to Do about Old Debts
  • The impact of making extra payments towards your mortgage
  • Solid Houston Texas Loan Consultant
  • 2 Common Credit Repair Services Requested
  •  
    Archives
  • July 2008
  • May 2008
  • January 2008
  •  
    Blogroll






    Calendar
    June 2017
    M T W T F S S
    « Jul «-»  
     1234
    567891011
    12131415161718
    19202122232425
    2627282930  
     
    Credit Repair Specialist: Tiffany Geary
    1-866-847-4657 Phone
    Email: info@viablecreditrepair.com
    Home   |   How It Works   |   Bad Credit   |   F.C.R.A.   |   Getting Started   |   Blog
    FAQ   |   About Us    |   Contact Us  |  Agent Login
    Customer Agreement Copyright © 2006-2015 Viable Credit Repair