About my personal consulting services - the new Credit Review

Since many people aren't sure whether they should stop paying their bills, file for bankruptcy or work on their credit, I'm now offering the $190 Credit Review.

I won't spend several hours on posting score factors, accounts, etc. from the credit reports as for the full Credit Analysis, but I'll merely review your reports and then focus on your financial situation, your goals, your credit problems in general, etc.

The idea is to help you decide what to do:

• Stop paying your bills
• File for bankruptcy
• Let the lender foreclose
• Improve your credit
• Refinance your mortgage

Regardless of what you decide to do, you can post at the CreditFactors forum for additional help at no charge as long as you have an active membership.

If you decide to try to raise your FICO scores and you order the full Analysis or you have me settle accounts, it'll obviously require fewer hours.

A new client has my full attention.

I am not aware of any qualified credit consultant offering this type of personal service and who will work with only one new client at a time.   Of course that means that you may have to wait a few days until I can start on your Analysis, but I won't be confusing your accounts and issues with other clients'.

You will most likely benefit from my services if you have scores below 650 and no new late payments or collections in the previous two years, if you need the highest possible scores (as for a new mortgage), if you want to settle debts or you consider filing for bankruptcy.

Need higher scores to refinance?

Now is the time to get the fixed low rate mortgage.

Anyone with a bankruptcy filing over two years ago, re-established credit and no new delinquencies should have FICO scores in the high 600s.

If you can't afford my personal consulting services, your credit scores aren't critical or you're not sure whether you need personal assistance, please subscribe to CreditFactors and utilize the world's greatest credit resources. No doubt, it's work to study the materials and it's not easy, but I even answer questions at the CreditFactors forum, I assist subscribers with analyzing their reports and score factors and I help determine what to dispute at no charge.