Texas Credit Repair

Protect Your Identity and Good Credit

admin — Wed, 07 Apr 2010 19:37:58 +0000

When you have good credit or are working to build a credit profile the last thing you need is for thieves to gain access to your personal credit information. By doing so, they have the ability to take out loans in your name, clean your bank account or worse.

There are a variety of third-party services that promise to monitor your personal profile, but none stand out more than Life Lock.

With services starting at under $10 per month, Life Lock secures your identity online and off. And to be sure they are able to deliver on their promise, they have a $1 Million Total Service Guarantee.

About Life Lock:

LifeLock helps protect your identity – even if your information falls into the wrong hands. We provide you early notification of identity threats, search the web for the illegal selling of your information, help cancel and replace the contents of your lost or stolen wallet, verify change of address requests and much, much more.

Now, with the added power of our enhanced LifeLock Command Center™ protection suite, LifeLock can also help you know where your identity information is and where it’s been.

Read on to find out how LifeLock Command Center™ services can give you peace of mind through detection, protection and remediation. Then click ‘Enroll Now’ at the bottom of the page to help protect your identity today.

Try Life Lock for Free Today!

Your Rights In Texas – Credit Reprorting and Collections Laws

admin — Thu, 01 Apr 2010 20:07:37 +0000

As a Texas resident you can enjoy the rights afforded to you under Texas Law. Whether you are dealing with a credit collection or national credit reporting agency, if you live in Texas, you have unparalleled protections.

What is the difference between federal collections and reporting law compared to Texas laws?

The federal laws that protect consumers from unscrupulous debt collectors or mistakes on your credit report are outlined in the Fair Debt Collection Practices Act. While the protections have made it much harder for debt collectors to abuse debtors, they still fall short.

Under Texas law, namely the Texas Finance Code and the Texas Business & Commerce Code, debt collectors and credit reporting agencies are held to much stricter standards.

What types of protections do I have from debt collectors as a Texas resident?

There are a variety of guidelines that debt collectors must meet in order to collect an outstanding debt in Texas. These include, but are not limited to:

A debt collection company attempting to collect debt in Texas must be bonded and licensed to do so. Failure to maintain an active surety bond is grounds for an immediate cessation of collections and reporting to major credit bureaus.
A debt collector must validate a debt within 30 calendar days when requested to do so.
The debt collection agency must provide, among other things, specific information about the debt including proof that the debt has been legally transferred to them by the original creditor, the original balance, the date of original default, and the date of debt transfer.
Additionally, the debt collection agency must provide proof that you are, in fact, the debtor in question.
A collection company must prove, with a contract signed by the debtor, that they have the authority to collect fees, interest or expenses above the original balance
A debt collection company cannot, under any circumstances, engage in threats, coercion, harassment, abuse, unfair, unconscionable means, fraud, deception or misleading representations to collect debt. Texas law outlines over forty (40) credit collection agency actions that are against the law.
A debt collection company that is unable to meet any provisions of the debt validation process within 30 days is legally obligated to permanently cease collections and remove the derogatory listing from your personal credit profile with national credit reporting bureaus.
A third party collection agency that violates any provision of Texas Finance Code is subject to criminal penalties through the Texas Attorney General, as well as civil penalties that include monetary awards to the victim.

What can I do to start taking advantage of my rights as a Texas resident?

Option 1: Learn Texas laws, namely the relevant provisions of Texas Finance Code and Texas Business & Commerce Code, and begin contacting your original creditors, third-party debt collectors or credit reporting agencies about problems you may be experiencing.

Option 2: Contact an attorney. If you have been sued or are feel your rights are being violated we can help you locate an attorney in Texas that may be able to help.

Option 3: Take charge of your personal credit with the Big Tex Credit Repair Program. Let us guide you to the specific Texas laws applicable to your personal situation, show you how to implement a credit repair strategy, and walk you through the process, step-by-step. Click here to learn more.

Sample Credit Repair Letters

admin — Thu, 01 Apr 2010 19:06:50 +0000

We understand that navigating the credit industry is difficult, and credit collection companies do their very best to put barriers in your way.

That’s why we’ve developed the Big Tex Credit Repair Program, an easy, step-by-step guide to understanding the inner workings of the credit collection, credit reporting and credit repair industries.

Our sample letters will help you to turn the tables on unscrupulous debt collectors and derogatory listings on your personal credit profile by putting the power of the law in your hands.

This page of our web site is still under development, but we’re almost finished.

Check back soon!

If you’d like to be alerted, click here.

Credit Report Mistakes and Errors

admin — Thu, 01 Apr 2010 19:01:47 +0000

The credit reporting industry is extremely large, with the major reporting bureaus maintaining personal credit profiles on tens of millions of Americans. With large and complex systems come rampant errors, mistakes and inaccuracies.

Let us show you how to spot errors on your personal credit profile that may have a derogatory affect on your overall credit standing and credit score.

Then, we’ll show you what to do about and how to make simple errors work in your favor, and in some cases, even have the collection account completely removed!

This page of our web site is still under development, but we’re almost finished.

Check back soon!

If you’d like to be alerted, click here.

Powerful Techniques for Texans

admin — Thu, 01 Apr 2010 18:58:02 +0000

Whether you need to stop credit collection calls, dispute collection accounts or manage your personal credit profile, Big Tex Credit Repair can help.

Learn credit repair techniques that are so powerful, that many collection agencies would rather remove your alleged debt and cease collections than pursue further collection action.

This page of our web site is still under development, but we’re almost finished.

Check back soon!

If you’d like to be alerted, click here.

Texas Credit Repair: Step-by-Step

admin — Thu, 01 Apr 2010 18:54:03 +0000

We’ll show you how to repair and manage your credit, step-by-step, including the Texas laws you can cite when contacting credit collection agencies and credit bureaus, how to make initial contact, how to force collection agencies to comply with your requests, and what to do if they ignore you.

This page of our web site is still under development, but we’re almost finished.

Check back soon!

If you’d like to be alerted, click here.

Loans and Credit for Small Business

admin — Thu, 01 Apr 2010 18:07:27 +0000

Small business owners often have to agree to personal credit checks in order to obtain a bank account, business loans or even a merchant account.

In addition to repairing and maintaining your credit with the Big Tex Credit Repair Program, the following services can provide business owners with ways to obtain credit and essential business services.

We apologize for the inconvenience. This page will be available soon.

Build Your Personal Credit

admin — Thu, 01 Apr 2010 18:03:50 +0000

It’s never too late to start building your credit, even if you currently have derogatory accounts on your credit report or a low credit score.

If you have chosen to manage your personal credit with the Big Tex Credit Repair Program, or you’d simply like to get a head start on building your credit, then take a look at the credit loan offers below.

View All | Prepaid Cards | Secured Cards | Unsecured Cards | Apply for a Mortgage

We apologize for the inconvenience. This page will be available soon.

Credit Score and Monitoring Services

admin — Thu, 25 Mar 2010 01:23:24 +0000

If you have chosen to take charge of your personal credit, then staying on top of your credit score and monitoring your personal credit profile for regular changes is critical.

Whether you are working to repair and improve your credit score, or simply want to know if anyone is adding or modifying account information on your personal credit profile, then the following serves may help.

The following services are maintained by third parties, but are highly recommended for tracking credit scores, changes, improvements or problems with your personal profile at the three major credit bureaus.

True Credit is provided by one of the largest credit reporting agencies in the nation and offers a host of services for a low monthly price of $14.95.

You can try True Credit for free, with no risk, for 30 days to see if the services meet your need.

Benefits of True Credit:

Immediate access to all three credit scores from Trans Union, Experian, Equifax
Credit Score score calculations are made using Vantage Score, used by all three major credit reporting agencies
Immediate access to your credit reports
Regular, monthly credit report and credit score updates
Easy-to-ready credit reporting format to make your job of identifying errors and inaccuracies on any of your three major personal credit profiles.
Identity theft protection that emails you anytime there is a change to your credit profile
Personalized debt analysis and credit trending
Credit score analysis, recommendations and tips to help you improve
$25,000 Identity Protection Insurance

Click Here To Try True Credit Today!

Try continuous credit monitoring from Equifax Score Watch for $12.95 per month.

Continuous score monitoring and notification when a change in your FICO® score impacts the interest rate you are likely to receive
Detailed explanations for key score changes and specific tips for understanding your score
Daily monitoring of your Equifax Credit Report with email notification of key changes (email / wireless alerts)
Two Free Score Power® reports, plus discounts on additional Score Power® reports
Detailed “Bottom Line” of what your most current score means, comparison with national averages, and a graph of how lenders view you
Access to friendly and knowledgeable Customer Care available 7 days a week

Try Equifax Score Watch Today!

If you would like to obtain a free copy of your credit report, with no scoring information or monitoring services, click here.

Obtain Your Free Credit Report

admin — Thu, 25 Mar 2010 01:18:20 +0000

If you are planning to finance a home loan, car loan, tuition, or obtain a credit line, the having a good credit score may mean the difference between being approved or denied, or the interest rate you receive.

The first step to maintaining a good personal credit rating is to find out where you stand. Doing this is easy, because your credit report(s) can be obtained for free directly from the major credit reporting agencies.

There are several methods to receive your personal credit report – some are free, other provide monthly updates for a small fee.

If you are interested in regular credit report scoring and monitoring while you work to improve and manage your personal credit, click here.

Free Credit Report From the Major Credit Bureaus

An free annual credit report is authorized by the Federal Fair Credit Reporting Act [612(a)(1)] [15 U.S.C. § 1681j]

An free annual credit report is authorized by Texas Business and Commerce Code [Title 2, Section 20.03]

Get your free credit report directly from the major credit bureaus, including Equifax, TransUnion and Experian.

Texas State and Federal laws require that all credit reporting agencies provide one (1) free copy of a consumer’s credit report at least once a year. If you have not yet requested a copy of your personal credit profile with the major credit bureaus, you can do so by following the link below.

The following link to AnnualCreditReport.com will take you to a third party web site sponsored by the major credit bureaus. You will be required to enter your personal information. Be assured that all of the information you enter is secured with 128-bit encryption via an SSL certificate.

Click here to obtain your complimentary, free yearly credit report directly from credit bureaus

Obtaining a Free Annual Credit Report by Mail

All consumer credit reporting agencies (not just the three well known ones) are required by Federal and Texas State laws to provide a yearly credit report for free. Some do not have electronic delivery, but they are still required to provide your personal credit information. You may request your personal information from any credit reporting agency by sending a certified letter to the bureau that includes:

Your First and Last Name
Social Security Number
Date of Birth
Current Mailing Address
Previous Mail Address
Include a specific request for your free annual credit report

*Do not send any other information in this initial request for identity security reasons. If the credit reporting agency requires any additional information, they will contact you by mail.

By law, the credit reporting agency will provide all of the details pertaining to your personal credit profile within fifteen (15) days of receiving your request.

Special Cases for Obtaining Your Credit Report

There are a variety of instances in which the consumer can receive a free copy of their credit report, including but not limited to:

Requesting the personal credit report in the event that fraud is suspected
Receiving a free copy forty five (45) days after a security alert has been added to the account
Receiving a free copy of the credit report if any adverse action was taken against the consumer, such as being denied for a loan or employment as a result of information on the credit report.

To request a credit report for one of these reasons, include your explanation of why the report is requested along with :

Your First and Last Name
Social Security Number
Date of Birth
Current Mailing Address
Previous Mail Address

Send this request by certified mail to the consumer reporting agency in question.

Monitor Your Credit Report for Updates and Improved Credit Scores

If you are working to fix, improve or manage your personal credit rating using the Big Tex Credit Repair Program, then being alerted to changes to your credit score and other updates can help you to reach your goals. Without knowing where you stand, it’s impossible to know where to go next.

Click here to learn more about regular credit report updates, credit monitoring and credit scores.

15 U.S.C. § 1681j]