What are the advantages of using our Attorney?

While there are many companies who brand themselves as credit repair organizations, most of them lack the legal clout and experience necessary to adequately represent your dispute efforts. Some of the specific advantages of using our affiliated attorney are:

• Attorneys enforce your rights under the various federal laws.
• Attorneys can do everything a credit repair organization can do, and file a lawsuit if necessary.
• Attorneys keep abreast of consumer laws as well as changes to, interpretation thereof, and applicability of those laws.
• Attorneys govern themselves according to the rules and principles of professional conduct.
• Attorneys practice the methodologies and structure like any law-practicing firm.
• Attorneys will review your case and impose legal opinions when and if necessary.
• Attorney-Client privilege protects your confidentiality.

 Cost of Bad Credit

Automobile Financing: If you are financing a car and have bad credit, you are probably paying thousands of dollars more than you would pay once you had restored your credit. This extra interest shows up every month in a dramatically higher payment. One of the first things that our members often do once they have restored their credit is to refinance their automobile for a fraction of their current payment or buy twice the car at nearly the same payment. Take a look!

$20,000.00 car paid over 5 years:
Credit Status	Rate	Payment	Cost of bad credit
Perfect	7%	$396.02	$0.00
Mildly Damaged	10%	$424.94	$1,735.25
Damaged	20%	$529.88	$8.031.60
Severely Damaged*	25%	$587.03	$11,460.39
	*Oftentimes relegated to a "buy here/pay here" car lot

Home Mortgage: The "American Dream" of owning your own home is out of reach for most people with credit problems. As you see below, even mildly damaged credit will cost a small fortune in additional interest. This forces credit challenged consumers to raise families in less desirable neighborhoods and to pay off someone else's mortgage for them leaving the credit challenged with only several years worth of rental receipts.

$100,000.00 home paid over 30 years:
Credit Status	Rate	Payment	Cost of bad credit
Perfect	7%	$655.30	$0.00
Mildly Damaged	9%	$804.62	$50,155.24
Damaged	12%	$1,028.61	$130,791.63
Severely Damaged	Mortgage generally not available at any price

 A Trustworthy Resource

“Credit Repair” has not been kind to the American consumer. In fact, the name is synonymous with fraud. This is the stigma we face as we offer our Members an alternative to “Credit Prison”. The nasty reputation of credit repair often forces us to defend the ethics of our association. The legal services provided our Members via our affiliated attorneys are analogous to work done by any defense attorney. Our Member’s attorney takes an affirmative defense: offers a reasonable alibi and leaves it to the bureaus(s) to substantiate their allegation. If the bureau(s) claim to have affirmed the allegation, the decision is appealed. EVENTUALLY, MOST BAD CREDIT ALLEGATIONS ARE UNTENABLE AND REMOVED FROM THE CREDIT PROFILE.

Now that we have dispelled the misconceptions, spun by Credit Bureaus, to convince you that you have no legal options to remove bad credit from your credit reports...

 What Are You Going to Do?

Everyone knows that if you commit murder, rob a bank, or get a speeding ticket that you have legal rights. It is ridiculous to think that you have no legal recourse against accusations made about you without your permission on your credit report.

The credit bureaus public relations machine will stop at nothing short of sparking costly law suits to convince consumers that nothing can be done regarding bad credit allegations they put onto your credit report. Our affiliated attorneys are often surprised at how consumers are oppressed by credit bureaus and debt collectors. Our members report being shunned by these businesses and are frequently told that they have little to no say over what is reported about them.

 What Does Congress Have To Say?

Findings - The Congress makes the following findings:

Consumers have a vital interest in establishing and maintaining their creditworthiness and credit standing in order to obtain and use credit. As a result, consumers who have experienced credit problems may seek assistance from credit repair organizations, which offer to improve the standing of such consumers.Sec.402 (a) CREDIT REPAIR ORGANIZATIONS ACT. Title IV of the Consumer Protection Act (Public Law 90-321-, 82 Stat.164)

 Are You Skeptical????

You have good reason to be skeptical. Let us prove our capabilities to you. CALL NOW and take advantage of our FREE - NO OBLIGATION credit report review and strategic legal proposal. Send us recent copies of your credit reports. (We will gladly help you obtain them if needed.) Upon receipt of your reports, we will provide you with NO COST or Obligation:

• Comprehensive credit report analysis.
• A plan detailing attorney recommended legal strategies
• Information on any additional MEMBER SERVICES recommended helping you achieve your creditworthiness goals.
• Several successful case studies of members who came to us with a similar situation as yours.
• We will show you actual “before & after” credit reports.
• By email a list of thousands of derogatory items (similar to the ones on your credit report) that have been permanently erased or amended to a favorable status.
• Several email addresses of MEMBERS that initially felt very skeptical, but after enrolling, have completely restored their credit rating, purchased a new home, bought a new car at a favorable interest rate, or regained their dignity & feeling of self worth.

 Mistakes Do Happen

Report available online - Research conducted by PIRG Public Information Research Group, Washington, D.C.

• Twenty-nine percent (29%) of credit reports contain serious errors, false delinquencies, or accounts that did not belong to the consumer.
• Forty-one percent (41%) of credit reports contain demographic information that was misspelled, outdated or incorrect.
• Twenty percent (20%) of credit reports were missing major credit, loan, mortgage or other information to demonstrate the credit worthiness of the consumer.
• Twenty-six percent (26%) of credit reports contain accounts that were closed by the consumer but incorrectly listed as open (or) “closed by credit grantor”.
• Altogether, seventy percent (70%) of credit reports contain errors or mistakes
• By email a list of thousands of derogatory items (similar to the ones on your credit report) that have been permanently erased or amended to a favorable status.
• Click Member Services and ask a representative to send you the complete report (with no cost or obligation of course).

FTC 1997 – June of 2003

Complaints filed against Credit Bureaus

Bureau	Non-ID theft	ID theft	Sub-total	Combined total
1997
Equifax	332	n/a*	332
Experian	305		305	875
TransUnion	238		238
1998
Equifax	1,923	n/a*	1,923
Experian	1,964		1,964	5,633
TransUnion	1,799		1,799
1999
Equifax	2,285	23	2,308
Experian	2,860	26	2,886	7,580
TransUnion	2,374	12	2,386
2000
Equifax	2,744	282	3,026
Experian	2,629	275	2,904	8,339
TransUnion	2,263	146	2,409
2001
Equifax	3,932	495	4,427
Experian	2,957	365	3,322	10,618
TransUnion	2,726	143	2,869
2002
Equifax	5,291	2,681	7,972
Experian	4,221	1,800	6,021	14,557
TransUnion	3,494	504	3,998
Jan - June 2003
Equifax	2,094	896	2,990
Experian	1,882	672	2554	7536
TransUnion	1756	236	1992
6.5 years TOTAL
Equifax	18,601	4377	22,978
Experian	16,818	3,138	19,956	58,625
TransUnion	14,650	1,041	15,691

FOIA No. 2003-470

* Identity Theft began a crime in 1998. The FTC began accepting consumer inquiries and complaints about identity theft in October 1999.

 Keeping BAD CREDIT costs more than fixing BAD CREDIT

Have you ever stopped to think what having BAD CREDIT is costing you? How much have you paid in additional fees due to your poor credit rating? One estimate is that a poor credit rating costs the average consumer $3000 per year or $50,000 in a lifetime due to extra charges that are assessed simply because of a low credit score. Unnecessary deposits, excessive interest, higher insurance rates, lower paying jobs are just a few of the financial hardships faced by those with problematic credit. This dollar figure does not include the extreme inconvenience, additional stress, low self-esteem, and loss of dignity associated with being considered a second class citizen in a society that is based on credit worthiness. Put an end to your credit problems…if it costs MORE TO KEEP BAD CREDIT THAN TO RESTORE YOUR CREDIT STANDING. Why would you want to pay MORE to have so much LESS???

 What a Value! As a Member You Get All of This!!

Legal Credit Audit, Verification, & Restoration (ERASE BAD CREDIT LEGALLY): Included in your membership we will provide you with an attorney experienced in credit bureau law that will represent you against the credit bureaus in removing negative items from your report. Members only pay a $5 correction fee per item deleted or corrected on each of your credit reports.

Add Positive Credit To Your Report: All members are automatically approved for a $5,000.00 line of credit. Additionally our Free Credit Card Search service allows members to see what credit lines that they qualify for by cross-checking credit card issuing banks around the country with your current credit status information.

Advisory Services: Members receive legal advice via a nationwide Law Club, tax advice via My Tax Man, a 1 hour IRS Defense Consultation and Unlimited Personal Finance Coaching. Never a charge, advice is always highly professional, personalized and confidential.

Banking Assistance: Members who have trouble establishing a checking account, appreciate the *guaranteed approval* SECOND CHANCE BANK ACCOUNT with $400 overdraft protection.

Educational Services: Members are able to take part in a college level Personal Finance course.

PPO Health Services: Members enjoy a Discounted Health Program that saves their entire family up to 80% on the cost of Healthcare. Members may save more than the cost of their membership.

Guaranteed Financing for a Computer: Enjoy automatic credit approval for a computer.

Credit Reference Service: We will provide a credit reference letter at anytime for valid members.

Many additional Added Value Member Benefits Are Included in Membership: Those that join today enroll and receive our current offering. Those that have been with us a while, know that what we will offer tomorrow will be even better.”

 You Are Not Alone …

It’s sad but very true that a large percentage of us suffer from blemishes on their credit reports. A single blemish may prevent one from obtaining credit Bad credit is embarrassing, humiliating, and depressing. Most creditors believe that a bad credit report dictates a persons worth and value as a human being.

Most people with bad credit are not “deadbeats” nor are they unwilling to pay their obligations. In fact, most of our members, maintained a good credit until some unforeseen circumstance like a layoff, medical problem, or divorce prevented them from making payments in a timely manner.

In our experience most members struggled long and hard to meet their obligations, but the money coming in simply didn’t meet the bills going out.

You are not the first person to decide to put food on the table or keep the lights on rather than pay a credit card bill. Most people faced with the decision will protect their family and love ones first and then pay their creditors. Even the collection agents, would certainly protect themselves first, if faced with the same tough decision.

By knowing and exercising your legal rights CFCA will assist you in taking the steps to regain your good credit and reward you by rebuilding your financial independence and freedom. Our members tell us the added confidence and feeling of self worth is one of the biggest benefits they receive from our service. Of course, you must protect your new credit report with honesty, integrity, and common sense.