Getting Out Of Student Loan Debt

We utilize various programs and strategies to aid them in dissolving their debt in the quickest, safest, and most efficient method possible. We also analyze the risk factor. We structure our programs to drastically minimize the risk that is inevitable with all debt elimination programs. We offer our clients much more than a debt settlement company does.

The vast majority of debt negotiation companies simply settle your debts on your behalf with your creditors- nothing more. On the other hand, we provide free services to significantly help to minimize the risks that are involved in negotiating with your creditors. First, we offer a free, no-risk 10 day trial service.

During our free trial, we negotiate with your creditors on your behalf to lower your interest rates. Also, we research to see if you have any old debts that you are not legally liable to repay. If, for any reason, you are not completely satisfied, you simply walk away. No commitments. No contracts.

Next, we provide a comprehensive credit repair service to all our clients. 795 service that is absolutely free! Also, we offer free attorney consultation (a maximum of five sessions) in case one or more of your creditors makes any threats. Last, we provide a written guarantee that our clients creditors will settle for an average of 50% or more for all of the debts they attempt to negotiate. Our services are competitively priced- and include the above free services! Its critical that you choose the best way to get out of debt. You need to weigh the pros and cons of each program to determine which program is best. Choosing the wrong program may cause a financial disaster!

For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information.

Q: What information do I need to provide to get my free report, A: You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each nationwide credit reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment.

Each company may ask you for different information because the information each has in your file may come from different sources. Q: Why do I want a copy of my credit report, A: Your credit report has information that affects whether you can get a loan — and how much you will have to pay to borrow money.

That’s when someone uses your personal information — like your name, your Social Security number, or your credit card number — to commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account is reported on your credit report.

Inaccurate information like that could affect your ability to get credit, insurance, or even a job. Q: How long does it take to get my report after I order it, If you order your report by mail using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt. Whether you order your report online, by phone, or by mail, it may take longer to receive your report if the nationwide credit reporting company needs more information to verify your identity.

Q: Are there any other situations where I might be eligible for a free report, Q: Should I order a report from each of the three nationwide credit reporting companies, A: It’s up to you. Because nationwide credit reporting companies get their information from different sources, the information in your report from one company may not reflect all, or the same, information in your reports from the other two companies.

That’s not to say that the information in any of your reports is necessarily inaccurate; it just may be different. Q: Should I order my reports from all three of the nationwide credit reporting companies at the same time, A: You may order one, two, or all three reports at the same time, or you may stagger your requests. It’s your choice. Some financial advisors say staggering your requests during a 12-month period may be a good way to keep an eye on the accuracy and completeness of the information in your reports.

Q: What if I find errors — either inaccuracies or incomplete information — in my credit report, 1. Tell the credit reporting company, in writing, what information you think is inaccurate. Credit reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous.

They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company.