NuLife 2 Credit Services

LESS THAN PERFECT CREDIT?

       Over 80% (some say 90%) of Americans have inaccurate, erroneous or obsolete information on their credit profiles.

More and more individuals today are being told that they don’t qualify. Qualify for what?  For the lowest interest rates on auto loans, home loans, and personal loans etc. Something can be done!  We provide a service that may be the solution for a friend, relative, co-worker, potential client,  business associate or possibly yourself. Basically for anyone who wants the advantage of having a better credit rating thru our Credit Counseling/Credit Restoration  Program.

Do You Know Your Credit Score???

Above 719                                               Excellent Credit

680 – 719                                                Very Good Credit

600 – 679                                                Good Credit

575 – 599               Higher risk. You will not be eligible for

                               best rates. Credit premium required.    

Below 575             Credit products may not be available

A “slow pay” entry on a credit report can cost you thousands of dollars, even if  the entry is inaccurate.  One or two negative entries on your credit report could prevent you from:

                        * Buying or refinancing a home

                        * Renting an apartment

                        * Buying a car

                        * Financing a college education

                        * Getting life or auto insurance

You can do something about this! Federal law requires credit-reporting agencies to delete outdated, inaccurate, misleading or unverifiable information from your file             when it is brought to their attention! Becoming a NuLife 2 client gives you the advantage of the most effective consumer program in America today.

Our services could potentially save you hundreds or even thousands of dollars.  Contact us to customize a plan for you or someone you know.  Take the first step NOW to a clean credit future. 

We offer Credit counseling services. Credit repair is not our business, but IF the client requests our help we offer Credit repair free of charge with the subscription of our credit counseling services.  There is no extra charge for this service.

Click here to go to forms page to get started now

Click here to e-mail NuLife 2

Nuts & bolts of credit restoration:

We have proprietary software in use at our operations center that processes disputes with the three major national credit bureaus according to the Fair Credit reporting Act of 1970.

 Our program has the capability of processing initial credit reports, dispute letters, demand letters, money back letters & USID (unknown subscriber ID) letters

automatically.

Letters generated are filled with a generous portion of content reflecting consumer feelings on the subject matter as well as with pertinent content required to provide adequate substance for the basis of each dispute.

We think our new enhanced system is proving to be the best automated system in the credit repair industry today.  To aid the potential client in choosing to ask us to help or to undertake this their selves, you might add that the time required for the average person to write a multitude of letters along with associated logistics could run into a couple of hundred hours, plus manual record keeping procedures do not often produce follow-up demand-type letters on a timely basis after the 30-day bureau response period runs out, whereas our system does continue.

If after any reinvestigation of any information disputed by us on behalf of the customer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the credit reporting agency by law is required to promptly delete that item of information from the consumer’s file or modify that item of information as appropriate. If the agency fails to do so then we will challenge the agency on your behalf.

If an item of information is deleted from a customer’s credit file because it was found to be inaccurate or incomplete or cannot be verified, the consumer is still responsible for any debt that can be verified with the creditor involved.

If any information is deleted from a consumer’s file pursuant to the FCRA, the information may not be reinserted in the file by the reporting agency unless the creditor involved certifies that the information is complete and accurate. Also, the reporting agency shall notify the consumer of the reinsertion. Notification shall be in writing not later than 5 business days after the reinsertion.

No one can legally remove accurate and timely negative information from a credit report that was placed according to the Fair Credit Reporting Act of 1970. But the law does allow you to request a reinvestigation of information in your file that you dispute as inaccurate or incomplete. Therefore, be sure and verbalize the following statement to each client:

“ It is important that you (the client) understand the basis of the credit services we represent. For any result to be achieved as a result of our company’s services, the credit information to be processed needs to be
inaccurate, erroneous, or obsolete. Under these circumstances, the information must be deleted or modified by the credit reporting agencies in accordance with the Fair Credit Reporting Act (FCRA). Anyone that states otherwise is mis-representing state and federal laws.”

What this last part means is that a lot of stuff will be taken off that actually belongs to you but we do not guarantee that those things will be removed. ..It just ‘happens’.….

Another item of importance is to re-mind the client if they only have bad items on their report and most or all of it gets removed; it then appears that the client has no credit at all. But, this is not a bad place to be. It is easier to re-build their credit profile from this point than from several negative items.  We will provide the client with information as part of the counseling process that will aid him in rebuilding their credit profile.

Items worthy of repeating:

·                                Bad Credit will cost you thousands of additional dollars over the years.

$100,000.00 Mortgage for 30 years

 Interest rate                        monthly payment               Total

4%                                            $477.42             $171,871.20

5%                                            $536.82             $193,255.20

6%                                            $599.55             $215,838.00

7%                                            $665.30             $237,508.00

8%                                            $733.76             $264,153.60

9%                                            $804.62             $289,663.20

10%                              $877.57           $315,925.20

·                              Negative information can remain on your credit report for up to 10 years and it can prevent you from getting credit.

·                              Any negative information that cannot be verified must be removed from your credit report.                  

·                                Over 80% of Americans have inaccurate, erroneous or obsolete information on their credit profiles.               

·                        Remember: Credit reporting Agencies are in business to protect their interest. We are in business to protect your interest

Click here to go to forms page to get started now

Click here to e-mail NuLife 2

NuLife 2 audits each item on your credit report against more than 300 regulations of the FAIR CREDIT REPORTING ACT. These rules and regulations define how credit bureaus are to enter items on the consumer’s report.  If ALL of the more than 300 rules and regulations are not followed, the item must be removed according to the FAIR CREDIT REPORT ACT and the FEDERAL TRADE COMMISSION.

REMEBER:  NuLife 2 does not deal with the legitimacy of the debt, but with the manner in which the item was entered on a consumer’s credit report.

           Why Does It Work?         

Þ      The credit bureaus’ system and procedures were established

before Congress passed the Fair Credit Reporting Act. After the act was passed, no one was checking the credit bureaus’  compliance with the act.   Enter NuLife 2

Þ      A good analogy to understand the process is as follows-----

Suppose you drove your car from point “A” to point “B”. If  we examine the DMV rules and regulations, page by page point “A” to point “B”, did you do everything  by the book?

Þ      In most states, the book says that before you drive your car, you are supposed to walk around your car and check the tires.

When you enter the car, you are supposed to lock the doors,fasten your seat belt, adjust the side view mirrors, and adjust the rear view mirrors. When you are ready to proceed, you are supposed to look over your shoulder, and hit your turn signal. As you drive, you may never exceed the posted speed limit. Did you follow every single one of these rules? I doubt it! Did you get a ticket? Doubt it! But you did get from point “A” to point “B”. YES

Þ      The point is that you drove from point “A” to point “B”,

while probably violating a bunch of laws and getting away with it. This is just like the credit reporting agencies that have been driving derogatory items from point “A” (the creditors) to point “B” (the credit report), while violating a whole bunch of laws and getting away with it. NuLife 2 is like the traffic cop. Look for the violations, issue a ticket, and the Derogatory item must be removed.

 
Click here to go to forms page to get started now

Click here to e-mail NuLife 2