Why do you need credit repair?
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Although the are reasons where Credit Repair can be seen as evasive to debtors who indeed have alterior motives in making their Credit Status higher than it is, and secure lines of Credit that would not be otherwise approved, there are occasions when the reverse is true.
An example of this is where you have had an identity theft or impersonation (and these are increasing in the UK at the moment, so probably USA as well) and the party fraudulently applying for Credit in your name. Having been refused a line of Credit following an application and been refused, not necessarily that your pulic records show your company is in trading difficulties, but say it has been found that there is an impersonation, but wrongly recorded on the public record.
That can affect your Credit Status quite seriously if the registration is not lodged properly and only shows that the line of Credit was refused, not the reason WHY it was refused (in this case impersonation). The computer (rather like the automated moderation on this site) can misinterpret the refusal and register it as being filed due to lack of Credit Status of the fraudulent company, but that in turn rubs on you, as the genuine company that you were refused the application for the line of credit. That in turn will affect your Status and of course you Credit Score (something that Americans appear to treasure).
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In our time, you can not guess what awaits you tomorrow. I had a problem with a lack of money. There was nothing to pay the bills and I decided to take a loan. I turned to one company for this, they issued bbb tripoint lending for me. The conditions suited me, as the interest rate was more than fine with me. We quickly agreed with them and made a deal. Everything turned out better than I expected.