A Holistic Approach to Credit Repair

LIFE HAPPENS!  And if you live long enough circumstances will occur that are outside of your control.  Sometimes these circumstances result in damage to your purchasing power that can take years to restore.

3 credit facts will impact the life of every consumer and entrepreneur:

1. Good credit reporting results in higher buying power
2. Higher credit scores command better terms on loans, insurance, and other opportunities such as employment and business loans
3. Borrowing at a lower cost of capital results in higher cash flow and profitability for your business, project or personal acquisitions.

Living with a poor credit rating costs much more than it costs to restore it.

Think about what a low credit rating is costing you?   Count the number of times that you've paid a "premium" or "added fees" because you fell short of the credit threshold.  One estimate suggests that a lower credit rating costs the average consumer $3000 per year or $50,000 in a lifetime due to extra charges and fees.

Unnecessary deposits, excessive interest, higher insurance rates, lost employment are just a few of the financial hardships suffered in today's economy.  The mental stress caused by extreme inconvenience, low self-esteem, and loss of dignity impacts more and more American families. 

Vehicle Financing: You are more likely to pay thousands of dollars more with impaired credit than you would pay otherwise. Higher interest rates shows up every month in a dramatically higher payment. One of the first things that our members do on their path fo financial wellness is to refinance their automobile at a fraction of their current payment---or buy twice the car at nearly the same payment. Take a look!

$20,000.00 car paid over 5 years:
Credit Status	Rate	Payment	Cost of bad credit
Perfect	10%	$424.94	$0.00
Mildly Damaged	14%	$465.37	$4,722.54
Damaged	20%	$529.88	$8,593.30
Severely Damaged	25%++/ oftentimes relegated to a buy here pay here car lot

Mortgage: More now then ever, the” American Dream” of owning your home or place of business is out of reach for the credit challenged.  Now is a great time to buy real estate at very attractive prices---IF YOU CREDIT QUALIFY FOR A LOAN.  Stricter lending guidelines weed out only the most credit-worthy buyers. Credit challenges dictate where and how you live in today's society.

The example below illustrates how even mildly impaired credit can cost a small fortune in additional interest on a mortgage.    

$100,000.00 mortgage paid over 30 years:
Credit Status	Rate	Payment	Cost of bad credit
Perfect	7%	$655.30	$0.00
Mildly Damaged	9%	$804.62	$50,155.24
Damaged	12%	$1,028.61	$130,791.63
Severely Damaged	Mortgage generally not available at any price

Our licensed attorneys will help you regain your dignity and financial freedom!!!

Million$ of dollar$ are $pent to convince you that nothing
can be done to challenge major credit blemishes. It will take up to 10 years say the pundits.

Consider this.  A comprehensive financial wellness program designed to restore your good name permanently.*  Compare it to short term fixes offered by competitors.


STOP living like a second class citizen!
BUY the business that you've dreamed of!
LIVE in a home that you own!
DRIVE the vehicle of your choice!


NEVER miss another opportunity to build wealth for you and your family ever again!

*Disclaimer: USCCRA membership is not recommended for habitually late payors or those presently in Consumer Credit Counseling.  Bankruptcies must be fully discharged, loan modifications must be completed prior to becoming a member of USCCRA.

 CREDIT BUREAUS HATE US!

BILL COLLECTORS DESPISE US!

MEMBERS LOVE US!

We must be doing something right!

The US Consumer Credit Restoration Association, commonly referred to as USCCRA is a national membership based association that offers a comprehensive program to restore your credit standing and regain financial freedom in 12 months or less.

· All Legal Credit Repair Services Provided by
Licensed Attorneys highly experienced in Credit Law.

· MONEY BACK…Triple Results Warranty.

· Legally Challenge and Erase Bad Credit Permanently.

· Add Several Positive Credit Lines to Your Credit Report.

· Professional Legal, Tax & Personal Finance Advice
- included in Membership at no additional charge.

· Guaranteed Bank Account with up to $400.00 Overdraft Protection.

· Automatic Approval for a $5,000 Personal Line of Credit.

· Up to 80% SAVINGS with Discounted Health Care Program.

· GUARANTEED APPROVAL- For Computer Financing.

· Highest of Ethical Standards.

· Plus many more member benefits!!!

DON’T DELAY! This may be the best kept secret of your life. The longer you delay action, the longer you will rent, pay outrageous interest rates, pay higher auto insurance rates, be held back in your career,  put off a college education or work for someone else.  Reposition yourself now?

THE ADVANTAGES OF USING AN EXPERIENCED ATTORNEY

While there are many companies who brand themselves as credit repair organizations, most of them lack the legal clout and experience necessary to adequately represent your dispute efforts. Some of the specific advantages of using an attorney are:

►USCCRA, LLC Attorneys enforces your rights under the various federal laws.

►USCCRA, LLC Attorneys can do everything credit repair organization can do and more

►USCCRA, LLC Attorneys keep abreast of the changes and applicability of consumer laws.

►USCCRA, LLC Attorneys govern themselves according to the rules and principles of professional conduct. Attorney-Client privilege protects your confidentiality.

►USCCRA, LLC Attorneys practice the methodologies and structure like any law-firm.

►USCCRA, LLC Attorneys will review your case, impose legal opinions when necessary.

A TRUSTWORTHY RESOURCE WITH OVER 15,000 MEMBERS

“Credit Repair” has not been kind to the American consumer. In fact, the name is synonymous with fraud. This is the stigma faced by USCCRA, LLC as we offer our Members an alternative to “Credit Prison”.  The nasty reputation of credit repair often results in spending time defending the ethics of our association.

Major credit bureaus will stop at nothing to convince you that nothing can be done regarding bad credit allegations they place on your credit report. Our affiliated attorneys are often surprised at how many consumers are oppressed by credit bureaus and debt collectors.

USCCRA members report being frequently told that they have no say over what is reported about them.  The legal services provided by USCCRA affiliated attorneys are analogous to work done by any defense attorney.  Everyone knows that if you commit murder, rob a bank, or get a speeding ticket that you have legal rights.

It is ridiculous to think that you have no legal recourse against accusations made about you.  Your USCCRA attorney takes an affirmative defense and leaves it to the bureau(s) to substantiate their allegation. If the bureau(s) claim to have affirmed the allegation, the decision is appealed. Eventually, most allegations are untenable and removed from your credit profile.

Now that USCCRA, LLC has dispelled the misconceptions spun by credit bureaus to convince you that you have no legal options to remove bad credit from your credit reports…

WHAT ARE YOU GOING TO DO?

An Investment in Your Future

This is NOT a Temporary Fix.  As a Member You Get All of This!!

Legal Credit Audit, Verification, & Restoration (ERASE BAD CREDIT LEGALLY): Included in your membership USCCRA will provide you with a credit bureau law specialist attorney that will represent you against the credit bureaus in removing negative items from your report. Members only pay a $5 correction fee per item deleted or corrected on each of your credit reports.

Add Positive Credit To Your Report: All USCCRA members are automatically approved for a $5,000.00 line of credit with American Security Financials CREDIT PLUS CARD. Additionally USCCRA Free Credit Card Search service allows members to see what credit lines that they qualify for by cross checking credit card issuing banks around the country with your current credit status information.

Advisory Services: USCCRA members receive legal advice via a nationwide USCCRA Law Club, the USCCRA Tax Man advisor, a 1 hour IRS Defense Consultation. Unlimited Personal Finance Coaching, Never a charge, advice is always highly professional, personalized and confidential.

Banking Assistance: USCCRA members who have trouble establishing a checking account, appreciate the *guaranteed approval* SECOND CHANCE BANK ACCOUNT with $200 overdraft protection.

Educational Services: Members are able to take part in a college level Personal Finance Course.

PPO Health Services: Members enjoy a Discounted Health Program that saves their entire family up to 80% on the cost of Healthcare. Many members save more than the cost of their USCCRA membership.

Guaranteed Financing For a Computer: Enjoy automatic credit approval for a computer.

Credit Reference Service: USCCRA will provide a credit reference letter at anytime for valid members.

Many Additional Value Added Benefits Are Included in Your Membership.

NOTE: many of the USCCRA member benefits are available at NO ADDITIONAL CHARGE, a few have modest fees to help cover costs or to comply with state and federal laws. (Example: The credit profile improvement program has an attorney fee of only $5.00 per deleted or corrected item payable only after member is notified by the credit bureaus of the results received).

in-NETWORK USCCRA REBATE CARD.  Apply for and close a commercial mortgage, business loan, equipment lease or working capital loan with an in-Network service provider and we'll reimburse 100% of your individual membership fee.  Simply insert your name on the Rebate Card, print and submit with your loan application for $100,000 or more.  Provide proof of your paid USCCRA Membership at closing for an immediate rebate. 

VIP PROGRAM.  Refer 3 people who you know that can benefit from USCCRA Membership and get a free LIFETIME MEMBERSHIP!   This is a no-brainer considering that 50% of the adult population in America are now in credit prision.  You must be a member in good standing to qualify.

FREE USCCRA VIDEO.  Change your life in just 35 minutes.  View our video about the program, member benefits and our Triple Results Warranty.

FREE REPORT.  At your request we'll send you a copy of "10 Myths the Credit Bureaus Want You to Believe" to further open your eyes.  The bureaus don't want you to have this information.  Find out what  insiders have known all along.

GET THE FAQs.  The majority of your questions about USCCRA Membership are addressed here.

BECOME AN AFFILIATE.  Empower yourself as well as others for a fee.  It's easy.  Sign up today. No upfront costs.  Great add-on to your existing business.

Enroll today.  Visit us at www.CreditPowerNow.org.  Download my FREE e-book and sign up for the Insider's Report.  You may qualify for $300 in groceries, a gas card or take advantage of the many incentives for new enrollees.  Email us at sales@closesooner.net  or call 800-684-3092 ext. 13.

A comprehensive plan to restore financial wellness.  We truly appreciate the opportunity to serve you...   What you are about to experience will amaze you!

You can…BECOME CREDITWORTHY!

*****OPTIONAL DEBT SETTLEMENT SERVICE****** Got $10,000 or more in unsecured business loans that you personally guaranteed and can no longer pay? What about other unsecured personal debt such as credit cards, past due medical bills, reposessions, judgments, collections or past due loans? If so, you may qualify for optional* DEBT SETTLEMENT to negotiate past due balances for all unsecured accounts totaling $10,000 or more! Benefits... Negotiated settlement reported as "paid in full" thereby increasing your credit score Service does not appear on report as Consumer Credit Counseling or Chapter 13 bankruptcy $0 upfront cost to enroll Become debt free in 24-36 months or less Relief is but a phone call away.  Qualify now and request a free consultation with one of our debt settlement representatives.   *USCCRA MAY REMOVE ADVERSE ACCOUNTS FROM YOUR CREDIT REPORT.  HOWEVER, THEY ARE NOT PAID IN FULL.  A DEBT SETTLEMENT OPTION IS YOUR INSURANCE THAT ADVERSE ACCOUNTS ARE PERMANENTLY REMOVED AND NOT RESOLD IN SUBSEQUENT YEARS.