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"I recently join in 10/2009, I was very skeptical. But after the first round, my credit score has improved. Everyone is great at HTDI. Hopefully, I will be able to buy my first home in 2010." |
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Janelle, December 27, 2009 |
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"We have been in the program since Sept, 2009, and so far we have had over 37 items removed from our credit reports. We are very thankful to HTDI and we are now one step closer to purchasing the home that we have been wanting for some time now. Thanks HTDI.
The Adams Family
Raceland, LA" |
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Lauralee, January 25, 2010 |
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"I have alot of old items on my credit report that I have been trying to remove myself for over a year now. I signed up with htdi and was definately sceptical but today I opened my mail from transunion and saw 9 items deleted!! I almost chose another company to do this work, but Chad was so confident, professional and extremely knowledgible that he convinced me htdi was the way to go. Thank you (read more)" |
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Terri, October 30, 2008 |
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"I was extremely nervous at first but I have seen where items are removed. The staff are knowledgeable and will walk with you step by step in the process. It was worth the price" |
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Dalton, June 04, 2009 |
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"To whom it may concern:
Rufus Green has asked me to forward the following to HTDI Financial.
I, Rufus Green, am extremely pleased with the work that HTDI Financial is doing for me. I would recommend them to anyone who needs credit repair. I feel they are working hard and making accomplishments on a daily basis.
Sincerely,
Rufus Green" |
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Rufus, January 26, 2010 |
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"So far all seems to be going well, thanks for all the friendly help. " |
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Leticia, June 30, 2008 |
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"My Credit report was an embarrassing mess that I thought would never clear up anytime soon. I searched high and low for a service like yours and your company HTDI just seemed to make it so easy. I still can't believe where I am now after your fine services. I never thought i'd have a chance in the credit world again. I couldn't be more Thankful and Grateful.
Thanks For your Services" |
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Delores, March 17, 2009 |
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"HTDI has provided excellent service the representatives have been prompt with information on status of my acct. Also the use to me verfiying my own acct is posted immediately threw the acct information page. I am please with the results that I have recieved within 3mos. I was amazed of what had been removed." |
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Ellen, July 19, 2009 |
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"Great job guys and gals" |
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Richard, December 13, 2007 |
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"Miro P.
I'd like to thank HTDI and specifically Jason for all the hard work they have done for me. Thanks to them my credit report is 54% "cleaner" and I have been enrolled in the program for 4 months. Thank you and keep up the good work." |
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Miroslav, December 18, 2008 |
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"HTDI was able to achieve amazing results with my credit score! My adviser, Brian, knew the answers to all of my credit questions and made the process very easy to manage. With over 50% of the negative credit on my reports erased my credit score has increased exponentially! Thank you very much!" |
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Allison, May 08, 2009 |
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"--Cecilia,AZ--
thank you guys for such great results.I saw a huge difference on my report and score in just two months. I would reccommend you to anyone :) " |
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Cecilia, February 18, 2008 |
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"HTDI has helped me tremendously! My credit score was improved by 75 points! They were able to accomplish this in only one month. There customer service was excellent. I wouldn't hestite to refer HTDI financial to family and friends. As a matter of fact I already have." |
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Markus, April 15, 2008 |
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"My wife and I came to HTDI to help improve our credit score and repair our credit report. We both tried to do this on our own and have less than good results. Since signing up with HTDI my wife has had about 1/2 of the negatives that were on her account removed and my report is also starting to show positive results I look forward to further improvement so that we can get a better rate when we r (read more)" |
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Charles, May 07, 2008 |
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"Never thought this would work, just found out my FICO is up 70 points in three months! Mark C." |
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Mark, July 14, 2009 |
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"My name is Fardowsa. HTDI FINANCIAL help very well ,I have to mention a young man call Nick he was the best, he told me allots of thing that I did't know, thanks every one" |
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Fardosa, September 06, 2009 |
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"It is an excellent service. " |
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Jignesh, November 13, 2007 |
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"Estoy muy feliz con el servicio recibido porque mi credito se ha restablecido y pude volver a tener tarjetas de credito tambien pude refinanciar el pago de mi auto y me bajaron los pagos. Quiero agradecer a Jason Herbert y a todo el equipo de HTDI por el trabajo que han hecho. Thank you very much.
Carmen Vivas, FL
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Carmen, February 24, 2009 |
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"Accounts have been updated and/or are no longer reporting." |
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Luis, November 13, 2007 |
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"To HTDI,
I wanted to say how much HTDI has help me and have done a great job restoring my credit.
I recommend HTDI to any body!
100% satisfaction and results!
Thank You HTDI!" |
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Fernando, November 12, 2009 |
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"Nigel Ramdass
i've always been a skeptic but i singed up with htdi financial on december 29 09. It's been only one month and i saw amazing results. My credit score improved 22%, i am very excited to see what will hapen in the comming months. My advisor Damian was very helpful and informative, he walked me through the process step by step and ansered every question i had, and believe me i had al (read more)" |
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Nigel, January 28, 2010 |
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-- What are the advantages of using HTDI Financial Consumer Division? --
HTDI Financial is not new at this process. We have been helping consumers since 2004
and we take pride in our work. We average one of the highest fix/deletion ratios and track it in real time on this site.
We have the highest integrity out of any company today and
will never resort to hard pressure sales or false claims
and deceptive advertising. In a lot of cases we actually
turn away prospective clients that are not good candidates
for this service. It would be a difficult feat to
find a company that would do that.
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-- How much does bad credit cost? --
Here is a mock example of what you may experience with
different scenarios of credit status:
Credit Cards Most if not all prime credit
cards are entirely out of reach to consumers with bad
credit. And the few credit cards that are available to
them (known as “sub-prime” cards) typically require
exorbitant setup fees or recurring monthly fees, offer
very low credit lines, often require cash deposits, and in
most cases do not even report your positive credit
activity to the credit bureaus.
Automobile Financing If you are making
payments on a car, you are probably paying between $5,000
and $9,000 more just for having bad credit. This added
interest shows up every month in a higher payment. Take a
look.
$20,000 Vehicle Financed for 5 Years
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Credit Status |
Rate |
Payment |
Cost of Bad Credit |
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High Credit Score |
10% |
$424.94 |
$0.00 |
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Slightly Damaged |
14% |
$465.37 |
$4,722.54 |
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Damaged |
20% |
$529.88 |
$8,593.30 |
Home Mortgage Bad credit in auto financing
can really hurt, but it is nothing compared to the cost of
bad credit when a home is involved. A typical home can
cost between $50,000 and $130,000 more in interest if you
are buying the home with bad credit.
$100,000 home paid over 30 years:
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Credit Status |
Rate |
Payment |
Cost of Bad Credit |
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High Credit Score |
7% |
$655.30 |
$0.00 |
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Slightly Damaged |
9% |
$804.62 |
$50,155.24 |
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Damaged |
12% |
$1,028.61 |
$130,791.63 |
As you can see, a low score can cost you hundreds of
dollars per month. Which is why it is so important to
obtain and maintain as high a score as possible.
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-- How do you restore bad credit? --
There is no magic wand that will erase bad credit, despite
what some companies may make their service out to be.
The Fair Credit Reporting Act clearly states that
derogatory items must be accurate and verifiable to be on
your credit report. If these negative items do not
meet the criteria outlined in the FCRA then it must be
deleted or corrected. There are no secrets to credit
repair.
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-- How long does it take? --
It is understandable that everyone wants to see results
immediately. Although everyone's credit history is
different, everyone will see responses from the bureaus
within the first 45 days. Every month after that your
credit picture improves. Credit repair is not an
overnight fix, however changes can be seen as early as
just a couple of months of service and the longer you
continue to contract with HTDI Financial Consumer
Division, the chances of removing more inaccurate and
unverifiable items increase.
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-- Can you guarantee to remove my negative items? --
No company can guarantee results in any fashion. The law does not allow for
companies to guarantee removal of negative information and
falls under false claims and deceptive advertising, a
clear violation of the Credit Repair Organizations Act.
No one can remove
accurate, verifiable and complete information from your
credit file.
We have been successful in helping clients remove
inaccurate, unverifiable and incomplete information from
their credit file, thus improving their credit pictures.
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-- What if removed items reappear? --
This happens occasionally either by accident or a creditor
has eventually verified a particular item. This is what is
known as a 'soft delete' and the credit bureau must send
you a notification letter within 5 days of reinsertion. The FCRA (Fair Credit Reporting
Agency) has made it much more difficult for a creditor to
replace an item once it has been removed.
If added by mistake, HTDI Financial Consumer Division
will re-challenge the item with the full force of the
prior removal in our favor.
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-- Is this legal? --
Yes, you are given the right under the Fair Credit
Reporting Act (FCRA), including the right to challenge
inaccurate, misleading and obsolete items appearing on
your credit report. HTDI Financial Consumer Division uses every venue
available to you under the law to help you assert these
rights.
Disputing items on your credit report is your legal
right under the the Fair Credit Reporting Act. When you
contract with HTDI Financial Consumer Division, we are abiding
by and using all federal and regional laws regulating
third party credit repair assistance.
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-- What is a credit score? --
A credit score is a numerical ranking system that lenders
use to determine how much of a credit risk you are. A
credit score is a numeric indication of how likely you are
to repay debts such as loans or lines of credit. Lenders
use this number to determine how much of a credit risk you
are.
Credit scores also are designed to indicate your
creditworthiness in comparison with other consumers.
Credit scores are based on the data in your credit report
and are generated by computers using artificial
intelligence. Usually a credit score is between the
numbers 300 to 900. The higher your score, the more
"creditworthy" you are to lenders.
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-- What is my credit score based on? --
Credit scoring is based on many factors that may include:
Amount of available credit
Payment history
Recent requests for credit
Amount of credit currently being used
Length of credit history
Under the Equal Credit Opportunity Act, credit scoring may
not use gender, martial status, national origin, race, or
religion as factors.
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-- When I pay off a past-due account, such as a charge off
or a collection account, will it show "paid" and will no
longer be negative? --
It is quite difficult to restore your credit without
somehow satisfying your outstanding debts. However, the
act of paying off a debt can actually hurt your credit.
Negative credit is allowed to stay on the credit report
for a maximum of seven years, except for bankruptcy, which
may remain on the credit report for ten years.
By paying an outstanding, delinquent
debt you will change the account status to "paid
collection," "paid was late," or "paid was charged off" -
which will still stand out as a very negative listing.
Furthermore, you will renew the "Date of Last Activity" which can result in a lower score due to the credit scoring algoryhtms.
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-- I've heard there are some negative listings, such
as bankruptcies and foreclosures that are said to be
impossible to remove from the credit report --
There is no type of negative listing that hasn't been
removed from a credit report if it is unverifiable,
inaccurate or incomplete. Public record information
fall under the same guidelines as other negative listings.
If it cannot be verified or if it is inaccurate, it must
be corrected or deleted from the report.
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-- I've been told that there is no reason to hire a
company like you and that I should do this on my own--
Yes, there is nothing that a credit repair company can do
that you cannot do for yourself. If you feel that
you do not have the experience and/or time to take on this
task by yourself, companies like ours are willing to help.
Some companies will try to discourage you from doing it
on your own or may not disclose this to you. Federal
law states that credit repair companies MUST advise you of
your consumer rights, and that you can do this yourself.
It is even in our welcome packet to each consumer.
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-- What about adding a "100-word statement"? --
The 100 word statement, although had good intentions when
created, typically are not used, in our opinion, for your
benefit or even looked at by a lender.
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-- I've heard that if I declare bankruptcy, I can
begin my credit report all over with a clean slate --
Many bankruptcy attorneys do not adequately explain the
effects of bankruptcy to their clients. Stated simply,
bankruptcy is to the credit rating what the nuclear bomb
is to war. When you file for bankruptcy, every credit
account that you decide to include in bankruptcy will
become an "included in bankruptcy" account. Additionally,
a bankruptcy filing and bankruptcy discharge listing will
appear in the court records section of your credit report.
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-- I've heard that by changing numbers in my social
security number or by using an EIN tax number, I can fool
the credit bureaus into creating a completely clean, new
credit file under my name --
That is highly ILLEGAL and run away from any company that
brings this up as an idea.
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-- I've heard that if I build enough good credit, it will
offset my bad credit and make me credit worthy.
After all, I was only late a couple of times --
Any amount of bad credit is devastating to your chances of
being approved by a credit grantor. Most credit grantors
never actually look at your credit report. A computer
pulls your credit report, rates your credit standing,
income, indebtedness, and stability, and then spits out an
acceptance or denial. Even one or two slow pays will
usually trigger a credit card or personal loan denial. The
slightest amount of negative credit will cause the
interest on an auto loan to skyrocket. You will probably
find that even a little bad credit, regardless of how much
good credit you have, is an unacceptable barrier to credit
approval.
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-- I've heard that the law requires that these items
remain on the credit report for at least seven years. --
When you speak with credit grantors, collection agencies,
or credit bureaus, their typically under-educated staff
may tell you all manner of such pseudo-legal nonsense. The
law demands that negative listings appear on your credit
report for "no longer than" or "up to" seven years. The
credit grantor or the credit bureau can choose to delete
the negative credit listing whenever they see fit or if
the items are unverifiable, inaccurate or incomplete.
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-- Why Do I need to Pay My Bills? --
When we delete a negative credit report listing, the
actual debt remains. You still owe the same amount of
money that you owed to begin with. If you don't pay the
debt, the creditor or collection agency could always
report the item again. So removing the listing without
addressing the debt is only a temporary solution.
Additionally, our service is designed for individuals that
can pay their bills now, but have had problems in the
past.
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