It’s not difficult to obtain your credit report. But once you get it, how are you supposed to understand it? There are so many numbers, acronyms, vernacular and jargon – it’s intimidating to say the least. The good news is, while it looks confusing, your credit report is actually far easier to read than you […]
About me - Neal Frankle
I’m Neal Frankle, Certified Financial Planner™. Credit problems are a serious business. In fact they changed my entire family life when I was 16. This site is here to help you repair your credit without getting ripped off. Read my story.
I have been a financial advisor since 1985 and I became a Certified Financial Planner™ in 1994. Since then, my business has been to help clients get their financial lives together although I don’t do credit repair work directly. And I can tell you that there is nothing more important in your financial world than having the best credit rating you can get. I know this from personal experience.
When I was 15 my mother died and when I was 17 my father was killed in an airplane crash. Before he died, my father was so distraught by my mother’s death that he ignored his financial life completely. As a result he ran it into the ground by not paying our bills.
The utility company shut off the power to our home and the water company shut off the water completely. We were visited regularly by the sheriff who served eviction notices and other payment demands. This was on top of the constant knocking on our door at all hours of the day and the non-stop calling by debt collectors.
And because my father completely trashed his credit, it was extremely difficult to find anyone who would rent us a place to live after we got thrown out of our house. It was frightening to say the least and made worse by the feeling of being completely powerless and at the mercy of my father’s creditors and bill collectors.
I am not in the credit repair business as I said. That’s not how I make my living. But I do know a lot about it because my profession demands it. And I created this site for three reasons:
you need to know the real story of how credit repair works, how collectors, creditors and credit bureaus operate and how the law protects you. I took an in-depth look at all the components of the credit repair process and I break them down for you on this site. And I explain how they work in plain English so you can take your credit life back – really. There is a lot you can do yourself to vastly increase your credit history and score.
- No Rip Offs Please
Credit repair is a huge industry. The companies in this business tell you that they can help you wipe your credit clean. I admit that there are some professionals out there who are for real. But mostly the field is cluttered with schemers and scammers guaranteed to waste you time and take your money.
I’ll show you how to spot the legitimate pros from the make-believe players. Just working with the right people makes all the difference in credit repair if you decide you don’t want to do this by yourself.
- Credit Repair Service Sales
As I said above, I’m not in the credit repair business but I need to know a lot about it because of the business I am in. I spent and spend hours researching this topic so you don’t suffer the same consequences I did growing up. From time to time, I may recommend using a credit repair firm if I feel they continue to be a good value for my readers. If you sign up with them, I will be paid a referral fee.
To be frank, I think that’s fair. I spend a good chunk of time each updating this site and making sure you have the most effective credit repair tools possible. And while I honestly don’t think everyone needs professional help, what’s wrong with being paid if you decide you do want a professional on your side and I steer you in the direction of a reputable firm? Nothing.
Why not look around the site right now? There is a lot of good information that should answer many of your questions. You can also send me an email if that would be useful to you.
If you want to protect your family against the terror that I faced as a kid, I want to be part of your team. If you suffer from bad credit, you’ll find all the resources you need right here to turn that ship around. Here’s the best post to help you get a quick start on your road to fixing your credit.
All the best,
Before you try to fix your credit yourself, you’ll find it helpful to understand the four major laws that are your key weapons against unfair creditors and collectors. That way, if any of the credit bureaus or creditors start getting cute, you can set them straight fast. Believe me, once you cite a few Code […]