"Knowledge is Power"

Written by Brett Bruce

Good morning. I found your free credit repair kit to be very understandable and easy to read. "Knowledge is Power"; therefore, I felt like you were empowering me and providing me with confidence as I continued to read the extremely valuable material you have obviously spent a substantial amount of time compiling & researching. You have basically done most of the leg work for the average consumer.

I must admit I use your information to share with my clientele in order to help them help themselves!

Thank you for sharing it with me and I in turn pass it on to others ("PAY IT FORWARD").

You are without question doing your part to improve the lives of those who sometimes feel like life (Credit Repair) is sometimes overwhelming.

I, too, have done my share of research and made honest attempts at dealing with Credit Bureau Agencies (Transunion, Equifax & especially EXPERIAN) and following their dispute processes. I have found them to be somewhat confusing & contradicting. Some of the employees that work for these Credit Bureau Agencies have condescending attitudes and I have definitely experienced a lack of urgency on their part.

I have been passed from one representative to another and I feel like this is part of their process in order discourage me to the point that they make me feel insignificant. It seems to take an act of congress in order to get them to just do the right thing and correct the errors reflecting on my credit report that I have had nothing to do with. These errors are without a doubt and unequivocally not mine! All they have to do is make a phone call, send a letter or email a dispute and simply do a little investigating (ask questions) and compare social security #'s. They will quickly discover that these errors can be easily corrected.

They don't appear to really care about correcting credit reporting errors that are the responsibility (I should say "irresponsibility") of others. It sometimes feel like it is a scam to encourage us to buy their credit monitoring & scoring products and to prolong the credit damage that has been inflicted on us (the consumer). The damage I am referring to at the very least translates to stress & frustration due to embarrassment and having to explain over & over again to potential creditors your credit worthiness, even though the credit report reflects differently (erroneously). In addition, having to pay higher interest rates, limited options, receive lower credit amounts and shorter terms in order to reduce the risk, which is not accurate because the "Bible of credit" is incorrect to begin with, due to no fault of the helpless consumer!

Respectfully submitted and God Bless!

Rolando Pedraza
Mortgage Broker
SIMON Mortgage Consultants, LLC