/24-7PressRelease/ - JEFFERSON CITY, MO, November 24, 2007 - In recent weeks on numerous occasions I have had to address the question of what role the credit repair process plays in helping a person improve their credit rating.
The concept of utilizing credit repair to improve your credit rating is only one part of the puzzle and requires that the client understand that in most cases simply applying the credit repair strategy is not enough. A person must be willing to do other things to outside of the credit repair process to maximize the credit scores.
When you review a clients credit profile to see if they are a good candidate for the credit repair program we must first understand what the total profile of the client is.
•Does the client have a job?
•Do they have any additional accounts open that report to the credit report?
•If so are they able to make monthly on time payments?
•What type of accounts do they have open?
•How old is there oldest delinquent account?
•Do they use a budget work sheet?
•How committed to improving their credit score are they?
These are a few of the questions that are asked in the consultation process to better understand the client capabilities as well as there level of financial education and dedication to the credit improvement process.
It is also important to understand the client's goals and expectations. If you don't know this you are potentially setting yourself and the client up for failure. Clients need to have a realistic expectation of the credit repair process and any changes they may have to make in how they handle there finances.
The credit repair process often requires the client to re-establish new types of accounts to begin the rebuilding process. The effect of good payment history reporting to the credit report along with the deletion of unverifiable, obsolete and erroneous information from the credit report will have a profound effect on the credit scores.
Correcting one's credit in many cases also means re-training a client in the way they handle and think about there finances. United Credit Education Services provides the necessary tools along with the credit repair process that allows a client to get proactive in the credit repair process by providing valuable financial education.
In closing the answer is this; Credit Repair is not the SILVER BULLET. It takes a combination of things all happening at the same time to improve the credit scores. It won't happen overnight, but if you employee a series of tactics, one being credit repair, your chance of success increase dramatically!
United Credit Education Services is the Premeir Credit Repair and Credit Education Company.
Mark Bustamonte
United Credit Education Services
Certified Credit Consultant
http://www.vrtmg.com/mbustamonte
954-707-2932 Direct
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