CREDIT REPORTS REPAIRED LEGALLY

Testimonials

  "I found jhlfinancial.com online and spoke with their experienced staff and they explained to me how they were going to correct the negatives on my report. My scores were in the low 500's when I started with them and after a few months my scores were Exp 719 Tu 721 EFX 723. Don't listen to the guru's invest in fixing your credit!"

Paul C. Amerillo, TX

JHL Financial  has done a tremendous job fixing my credit report. My scores have jumped over 100 points.  Thanks for helping me refinance my home!

Patricia K. Walden, NY

 I have been in the Mortgage industry for over 20 years and constantly are presented with clients who have problem credit; after sending numerous clients to JHL Financial.com my clients were able to increase there fico scores so they can purchase the home of there dreams.

Don P. Landmark Mortgage Danbury, CT

 Thank you for the work you have been doing on my report I am impressed with the progress and am now looking forward to receiving my reports and scores.

Edward S. Charlottesville, VA

  I just wanted to express my sincere thanks to you for all the work you have done on my credit file.  I've been struggling for so many years to get my scores up and now my credit profile is in the high 700's.  Since then I've referred friends of mine with credit problems over to use your services and all have been happy with the results.

Howard S. Middletown, NY

 I had low credit scores for a few years it prevented me from purchasing a car and getting student loans. I called JHL Financial and talked to their credit consultant; learned some new things about the credit industry and deceided to try their service. I was impressed with the amount of corrections they made on my report from scores from 580 to 680 - NICE!

Richard L. Deerfield Park, FL

I was skeptical about these credit repair companies, heard good things and bad things about them.Went with JHL and it really WORKS! My scores went from low 511 to high 683 in less than 6 months - bought a new car don't wait do it now!

Tony S.

Plattekill, NY

I had some debt problems  "to much debt not enough month". JHL Financial.com settled my debts for half owed and fixed my credit in 6 months. They came through on everthing they said they were going to do. Very happy customer!

James F.

Gardiner, NY

REALITY? Like most Americans you may be going through some tough economic times right now. Even the United States governments credit right now, is questionable! We are living in an age where your credit is your identity, and is, controlling most everything financial in your life.

If you are thinking about, or are in the process of purchasing a home, buying a car, getting a job or expanding your business- you know the effect, a bad credit report has on your personal and financial life.

Consider this: Imagine you are someone who has to drive to work everyday and you are having problems with your car. So you decide that its time to purchase a new car so you don't get stranded on the road. You then go to your nearest dealer and find a fine car that’s great on gas and you look good sitting in. The salesman asks you to fill out a credit application, problem is; your credit score is 510. So the salesman informs you that you can buy the car but will have to pay 19% interest .You as a smart consumer, tell the dealer- no thanks! and go to another car dealer hoping you will get a better deal there, they check your credit report and you have the same problem all over again.

How many times do you think this is happening per day in this country? hundreds, thousands, millions of times per day? What incentive does a reporting agency have to correct inaccurate information on a credit report, when they are getting paid numerous times because a consumer has inaccurate poor credit. This is not even taking into consideration apartment rentals, mortgages, employment, insurance, cell phones etc.

I can remember a time when I needed to refinance my home back in the late 90's and could not get the financing, I desperately needed. The bill collectors where calling me, I felt like "every minute" of the day. I was afraid to answer the phone and thought there was nothing I could do to get my financial life back in order. After much anxiety and self doubt I decided I must do something to get my credit straightened out, so I purchased my credit report and reviewed it carefully. The first thing I discovered was the amount of errors I found, was incredible! Both negative and positive accounts, balances, names, addresses, social security number, ect. were found in error on my report.

Because of this experience, and learning, in detail the laws that reporting agencies and collections agencies must follow, I was able to achieve great results for my own financial health. This experience motivated me to want help people by "fixing" their credit reports. After looking over hundreds of credit reports I realized that most credit reports have errors on them and these errors are artificially lowering credit scores. Even the Federal Trade Commission admits that errors do occur on credit reports.

 How do we do it? Do you know that virtually all credit reports have errors on them that you may not be aware of; there could be errors with: names, accounts, balances, payments, personal information, social security numbers, date of births, inquiries, and addresses just to name a few among hundreds of bits of information. These errors that can—and will—artificially lower your credit scores.

People may not understand the rights they have under federal laws that protect them, such as the Fair Credit Reporting Act, FACT ACT, or the Fair Debt Collection Practices Act.

These laws were created to insure that your credit reports are accurate; however, due to the volume of information going into reporting agencies, it is very difficult for these private credit reporting companies to insure accuracy.

It is possible to remove accounts and personal information that are inaccurately displayed on your credit report. Under federal law, reporting agencies must respond to your correspondence within 30 days. According to the FCRA, any information on your report that has an error or can not be verified within the time limit (30 days) must be removed off your credit report.

Do you know what having bad credit is costing you? According to the mortgage industry, a decrease in your FICO score could increase your interest rate dramatically. As an example, a $100,000 house with a 9 percent interest rate over 30 years would cost you $289,664. If your credit was improved and your interest rate dropped to 7 percent, the same home would cost you $239,509 - saving you $50,155. If you go by the average cost of an American home nearly $200,000, your savings would be over $100,000.

You may be thinking - "all of this is great", but can you really remove derogatory accounts on my credit report? Every consumer has a unique situation happening to their credit: divorce, bankruptcy, loss of employment, sickness, or poor money management to name a few. Because of this and the inaccuracy of information found on credit reports, many inaccurate, erroneous, or obsolete accounts and personal information will be either corrected or removed off your credit report.

 "Have you heard "- that you can fix your credit on your own? have you ever tried repairing your car on your own and were not successful? have you ever tried painting your home and realized it was a difficult job? What about repairing your computer or adding on an addition to your home. All of these activites can be accomplished by you, however we hire a service to do the work for us because they have more expertise, experience and patience to accomplish the job. This is why you should not take repairing your credit report for granted. Hiring us is hiring a profesional that is looking out for your interest's, we are experienced, knowledgeable and agressive in correcting inaccurate information that is on your credit report.

   How The Process Works ?      

#1:  Fill out enrollment form - "purchase program button"

#2: After we receive your online information - we will open a file for you and prepare special dispute documents for you that will be mailed certified to the reporting agencies

#3:  Within approx. 30- 45 days you will recieve correspondence from reporting agencies (credit reports with cover sheet showing you what has been deleted or corrected on report) Send these back to us within (14 days)

#4: We will continue with the next phase of the credit restoration process and again you will receive more correspondence showing more corrections. 

This process will continue for 6 months or until you are happy with the results you received from the credit repair process

                                      FREE SERVICES

To recieve your free credit report without gimmicks once a year go to this site  www.annualcreditreport.com     

To remove your name from telemarketers lists go to this site www.donotcall.gov

To remove your name from credit and insurance junk mail go to: www.optoutprescreen.com

                  Payment Plan Available    Purchase  Program    

                              CALL US NOW  800-603-1418