WHAT’S INSIDE CREDIT IN A CONSUMER ECONOMY

A CALL TO ACTION!

INTRODUCTION
How your credit report can affect loan Tom went to buy a car and got turned Focus on credit reporting provides a

cost and buying power. down at the car dealership for credit substantial benefit with huge payoff. The

CREDIT IN TODAYS AMERICA
The U.S. government’s interest cost is
beginning to become so severe that
the United States credit markets risk a
serious crisis.
problems. He went down the street and
bought at a ‘we finance here’ car lot and
ended up several thousand dollars later
with a repossessed car and a trashed
credit report.
difference between buying a car at a 500
score versus a 600 score will likely save
you more than $3,000. When buying a
house the credit score is even more
important. A mortgage with a 620 score
versus a 720 score might cost more than

CONSUMER PROTECTION Tommy went to buy a car and got $100,000 over the life of the loan. While

Among other things, a debt collector approved but due to an error on his credit it is obvious credit scoring impacts most
can not call repeatedly to harass or report--unknown to him at the time--he major purchases today, it can impact
use threats of violence.
ended up paying a higher interest rate your job opportunities as well. In some

which cost him several thousand dollars states, more and more employers are
CREDIT REPORTS
over the life of the loan, checking applicant’s credit reports and
Overall, PIRG found that 70% of
reports had some type of error. using that information to make hiring

Thomas went to buy a car after having decisions.

CREDIT SCORING checked his credit report. Upon review

Paying on time with no 30, 60, 90 or he discovered and corrected an error
120 day late marks is very important.
while also managing his utilization score
ABOUT OUR PERSONAL CREDIT
UP. His credit score shot up 60 points in
CHALLENGING A CREDIT FIRST AID KIT
less than 60 days. He was able to obtain
REPORT We wrote this guide to be a source of
It is important to review your credit a zero interest cost loan with no money
useful information, and may help you on
report prior to making a major down.
the road to credit recovery.
purchase. Would you rather be Tom, Tommy or

Thomas?

2010 Credit Repair Capital, a Free Credit Resource Center 4001 Cirrus Medford OR 97504 877.879.1177 CREDITREPAIRCAPITAL.COM
 INTRODUCTION There seems to be no evidence that Banks are limiting access to borrowing,

America's kids are learning any lessons as well as limiting the rates they are

about the perils of credit/debt obligations
Lenders, in concert with in American High Schools. Apparently
the credit bureaus, use a
they are not learning lessons in higher
consumer’s credit score to
education either as they graduate college
maximize their profits.
on average with more than $20,000 in
willing to offer. With lenders becoming
more cautious, and credit becoming less
available, it is important to manage your
credit report, and debt to income ratio, to
secure credit at a good interest rate if at

Household borrowing costs are largely debt. Unfortunately it only gets worse all.

determined by credit score. from there. If history is our guide, the

Consumers willing to borrow (with a typical student rather than paying off Today on average the US consumer has
target on their back) are wise to
debt, as they get a job, will instead 13 credit lines on record at the credit
manage their credit score up prior to
accumulate even more debt. Over the bureau. The typical household with
making major purchase decisions.
last 10 years the US Consumer’s credit card debt has $7,925 in credit card
Mortgage rates are unlikely to go
lower, car loans are becoming more outstanding residential mortgage debt debt, $180,190 in home mortgage loans,

expensive, and the average interest has grown by over 300% while $51,919 in home equity loans, $14,735 in

rate on credit cards is the highest outstanding credit card balances have auto loans and $26,337 in student loans.
since 2000. grown by over 400%. There are three

options to deal with this debt. One can These credit lines, if reported to the credit
RETURN TO MAIN PAGE
pay it off, restructure it or default. bureau make up the bulk of consumers

overall credit score.

It is no longer an option to pay off the

GIVE US A CALL debt with more debt. Consumer credit in

We are organized, persistent, caring the United States has recently begun to

people and we want to help. decrease, starting in 2007, with a series Next section:

For a free evaluation call of 10 straight monthly declines, the Credit in Today’s America

877-879-1177 longest since record keeping began in

1943.

2010 Credit Repair Capital, a Free Credit Resource Center 4001 Cirrus Medford OR 97504 877.879.1177 CREDITREPAIRCAPITAL.COM
 CREDIT IN TODAY’S Unless you have been living under a rock
AMERICA over the past few years it is impossible
not to have noticed that the global
economy has been struggling with the
United States economy being particularly
Every dollar borrowed today
strained. Equally apparent is the main
is a demand on tomorrow’s
labor. stream media and financial media are
portraying a far different reality than the
Household debt as a percent of actual data indicates. While it is true
income has more than doubled over some credit markets seem to have
the past 50 years while disposable
stabilized and some improvement has
income has not kept pace. Loan
been noted, what isn’t true is that the
default rates are increasing as banks
economy is going through a normal
scramble for capital while consumers
cut back on their borrowing With debt correction. Let's have a look at the major
levels at historic highs, interest rates at markets:
historic lows, borrowing costs have no Consumer credit market is known as
where to go but up. mortgages, home equity lines, credit card
loans, personal loans, student loans,
auto loans and business loans. The
Federal Reserve recently reported that
RETURN TO MAIN PAGE
borrowing in these markets dropped at
the biggest decline in 65 years of record
keeping. Consumer credit is down since
GIVE US A CALL 2007 with the biggest declines since
We are organized, persistent, caring WW11.
people and we want to help.
For a free evaluation call
Retail sales are still below the peak
877-879-1177
reached back in December 2006.
2010 Credit Repair Capital, a Free Credit Resource Center 4001 Cirrus Medford OR 97504 877.879.1177
While retail sales have recovered, they
have not returned to normal. It is also
highly unusual for retail sales to have
gone down in the first place and it is
unprecedented for them to still be down
nearly 4 years after they peaked.
Unemployment claims remain stubbornly
high at nearly ½ a million per month over
the past 6 months. That is after the
economy has shed more than 8 million
jobs since the crisis began, bringing us
back to employment levels scene more
than a decade ago in 1999. With credit
markets tight it may be a decade or more
to replace the 8 million jobs lost.
Housing starts are down nearly 70% from
their peak in 2005 and at the lowest
levels since the 1950’s with existing
home sales nearly 30% below the peak
in 2006.
Even with mortgage interest rates at
record lows, housing inventory remains
stubbornly high coupled with more than
15 million homeowners still under-water.
continued>
CREDITREPAIRCAPITAL.COM
 ABOUT THIS
PUBLICATION
This publication is designed to provide
general information regarding the
subject matter covered. Because
each consumer’s situation is different,
information herein should be custom
tailored to specific circumstances.
The information contained herein is
not designed to serve as legal financial
or other professional advice related to
a consumer’s specific circumstance.
Please do your own due diligence and
seek professional advice when you
have questions related to your specific
circumstance.
All rights reserved. No part of this
book may be reproduced or
transmitted in any form or means
electronic or mechanical, including
photocopying, recording or by any
information storage means and
retrieval systems, without permission
in writing from the author.
RETURN TO MAIN PAGE
2010 Credit Repair Capital, a Free Credit Resource Center
“Underwater” describes owing more on
the mortgage than the house is worth,
and unable to refinance to lower rates.
The housing market has a long way to go
to get back to normal, measured by
median housing price compared to
median income.
New vehicle sales in 2010 are bouncing
off levels seen more than 20 years ago at
about 11 million vehicles sold well. This
is well under recent multiyear averages
of about 16 million vehicles sold.
The student loan market, since the
advent of the Guaranteed Student Loan
program for college tuition has grown in
size sharply with taxpayers guaranteeing
over $500 billion in student aid.
According to Chairman Christopher Dodd
of Connecticut and other congressmen
there is a “potential crises in the student
loan market.” Today, tuition at for profit
schools can easily top $10,000 a year.
The average loan for a student who
earned a bachelor’s degree totaled
$32,650 for the 2007-2008 school year
4001 Cirrus Medford OR 97504 877.879.1177
compared with $17,700 at public
universities. As the loan program has
increased in scope, so has the default
rate. Today for-profit schools and
community schools default rate is at
more than 1 out of 10 loans while non-
profit universities have a significantly
lower rate at 3.7 per cent, according to
the U.S. Department of Education.
In reviewing the market data here, any
reasonable person can see the major
economic indicators suggest a consumer
credit market off its peak. While there
are positive signs, improvements have to
be weighted against the backdrop of
massive government intervention, in the
trillions of dollars, in the banking market,
jobs market, housing market, car market,
and student loan market.
Intervention so massive that a leading
Harvard economist, Niall Ferguson, in
July 2010 concludes without a significant
reduction in government spending, the
government’s interest cost is beginning to
become so severe the United States
credit markets risk a serious crisis within
the next 6 years.
Next section:
Consumer Protection
CREDITREPAIRCAPITAL.COM
 CONSUMER The Fair Credit Reporting Act (FCRA)
PROTECTION promotes accuracy, fairness and privacy
of information in the files of the consumer
reporting agency. A consumer has rights
Consumer Protection
legislation is the only under the FCRA. A consumer must be
opportunity to demand a fair told if information in their file has been
outcome. used against them. A consumer has a
right to know what is in their file. A standard for furnisher accuracy from
According to the Better Business
consumer has the right to ask for their
Bureau, the FTC and the courts, the
credit score. And most importantly you
credit bureaus have amassed tens of
have the right to dispute ‘inaccurate’
thousands of complaints and millions
of dollars in fines and settlements. ‘incomplete’ ‘biased’ ‘and ‘untimely’
Consumer rights, provided within accounts.
consumer protection legislation, The agency must reinvestigate unless
properly exercised when negotiating the consumer files a frivolous dispute.
with creditors and collectors can make
Consumer reporting agencies must
the difference between struggling to
correct or delete inaccurate incomplete or
make ends meet month to month or
unverifiable information. Inaccurate and
digging out for the future and building
a safety net. Remember lenders make incomplete information must be removed
a fortune off of bad credit. or corrected within a reasonable time
frame. Consumer reporting agencies
may not report outdated negative
RETURN TO MAIN PAGE
information. A consumer may seek
damages from violators. While states
may enforce FCRA, many have their own
consumer reporting laws. In some cases
a consumer may have more rights under
state law.
2010 Credit Repair Capital, a Free Credit Resource Center 4001 Cirrus Medford OR 97504 877.879.1177
The Fair and Accurate Credit Transaction
Act (FACTA) was signed into law in 2003
and provides a number of consumer
protections. Besides providing additional
fraud protection it allows the consumer
access to one free credit report annually.
Additionally FACTA changes the
“knows or consciously avoids knowing” to
the higher standard of “knows or has a
reasonable cause to believe” information
is inaccurate.
This is a much higher standard and as
such requires furnishers to establish
guidelines regarding “accuracy and
integrity” of information furnished to the
credit reporting agencies.
Most importantly upon request a ‘study’
of the accuracy of a consumer reports
must be conducted and ‘accuracy and
integrity’ must be verifiable.
The FACTA allows consumers to dispute
information and initiate an investigation
directly with the furnisher. Furnishers
must notify the bureau the account is
under dispute.
continued>
CREDITREPAIRCAPITAL.COM

CONSUMER
PROTECTION
When talking with a debt collector
simply ask for the name of the person
calling, what company they are calling
from, address, telephone number and
fax number. Take down this data.
RETURN TO MAIN PAGE
A be tte r s core can transla te to
thousands o f d ollars in saving s
over the life of a loan on a maj or
purchase. Mak ing paymen ts o n
time and payin g at leas t the
minimum due o n each accoun t is
required.
GIVE US A CALL
We are organi z ed, pe rsis tent,
caring people a nd we wan t to
help.
For a free eval uation call
877-879-1177
2010 Credit Repair Capital, a Free Credit Resource Center
Finally FACTA requires that a creditor TAKE NOTICE:
notify consumers when it offers credit Among other things, a debt collector can
terms that are “materially less favorable not misrepresent what you owe, can not
than the most favorable terms available add on any extra fees that your original
to a substantial proportion of consumers.” credit or loan agreement doesn’t allow,
can not call late in the evening or early in
The Fair Debt Collectors Protection Act the morning or call repeatedly to harass
(FDCPA) protects consumers and begins or use threats of violence. They can not
to level the playing field as it dictates to threaten to sue or file charges, garnish
debt collectors what they can and can’t wages, take property, cause job loss, or
do when collecting a debt from a ruin your credit when the collector cannot
consumer. The United States Congress or does not intend to take that action.
has found that there is ‘abundant What is more a collector can not discuss
evidence of the abusive deceptive and your information with outside parties
unfair debt collection practices by many without your permission.
debt collectors.
Abusive debt collection practices Your rights under the FDCPA include
contribute to the number of personal your right to know the identity of the
bankruptcies, to marital instability, to the person calling and the exact amount of
loss of jobs and to the invasion of the debt claimed to be owed. The
individual privacy. consumer also has the right for a letter to
be sent within 5 days of a telephone call
A consumer has the right to sue a debt from the debt collector that details the
collector under the FDCPA. FDCPA amount of money owed including the
violations have a $1,000 fine per name of the original creditor and what
violation. actions to take if the consumer believes
they do not owe the money.
continued>
4001 Cirrus Medford OR 97504 877.879.1177 CREDITREPAIRCAPITAL.COM
 CONSUMER When talking with a debt collector - TILA gives consumers the right to cancel

PROTECTION simply ask for the name of the person certain credit transactions. It also

calling, what company they are calling regulates certain credit practices and

from, address, telephone number and fax provides a means for fair and timely
ABOUT THIS PUBLICATION
This publication is designed to provide number. Write the information down resolution of credit billing disputes. TILA

general information regarding the including the time and date of the call. also provides for mortgage recession up

subject matter covered. Because Inform the debt collector you want no to three years from when the loan closed.
each consumer’s situation is different, further contact until a debt/verification In the event the lender committed
information herein should be custom
letter is received. “material disclosure violation”.
tailored to specific circumstances.
Hang up by saying goodbye.

The information contained herein is

not designed to serve as legal financial The Fair Credit Billing Act (FCBA) deals The Credit Repair Organization Act

or other professional advice related to with credit billing and charges and (CROA) was established and finds

a consumer’s specific circumstance. establishes procedure for resolving Consumers have a vital interest in
Please do your own due diligence and mistakes on credit billing and statements. establishing and maintaining their credit
seek professional advice when you
This includes failure to reflect payments worthiness and credit standing in order to
have questions related to your specific
credits as well as not mailing or obtain and use credit. As a result,
circumstance.
delivering credit billing statements to your consumers who have experienced credit
All rights reserved. No part of this
book may be reproduced or current address, provided that address problems may seek assistance from

transmitted in any form or means was received by the creditor in writing 20 credit repair organizations which offer to

electronic or mechanical, including days before the billing period ended. It improve the credit standing of such
photocopying, recording or by any also allows a consumer to request consumers.
information storage means and
explanation or documentation due to a
retrieval systems, without permission
possible error.
in writing from the author.
The Truth in Lending Act (TILA) was NEXT SECTION:

RETURN TO MAIN PAGE enacted to protect the consumer and to Credit Reports

promote an informed use of consumer

credit.

2010 Credit Repair Capital, a Free Credit Resource Center 4001 Cirrus Medford OR 97504 877.879.1177 CREDITREPAIRCAPITAL.COM
 CREDIT REPORTS Credit Reports are maintained at the Another study conducted by US Public

three major credit bureaus: Experian, Interest Research Group (US PIRG)

TransUnion and Equifax. showed that 29% of credit reports

According to insiders the According to the Federation of State contained serious inaccuracies (false
process of tracking,
Public Interest Research Groups, 79% of judgments, false delinquency notices)
validating and resolving
all credit reports contain errors. that could result in denial of credit.
collection accounts is
difficult and evidence shows Overall, PIRG found that 70% of reports

millions of errors within The problem of inaccurate credit reports had some type of error. Further, 20% of

billions of trade lines. seems to be growing as Dan Buell, Vice reports were missing creditworthiness

President of Experian noted in December information that would have assisted a

With more than 20,000 disputes
of 2009, “As charged-off debt and whole consumer in obtaining credit.
processed per day one poll by Zogby
loans are being bought and sold
indicates more than 1 out of 3
numerous times, the process of This results in lost jobs, denied mortgage
consumers who review their credit
reports find errors. Errors can cost establishing the chain of title generally applications, and higher interest rates for

you thousands of dollars in interest has been complicated, making it difficult those who do obtain credit.

cost. to validate and resolve collection

accounts”

RETURN TO MAIN PAGE

NEXT SECTION:

Credit Scoring

GIVE US A CALL
We are organi z ed, pe rsis tent,
caring people a nd we wan t to
help. For a fre e evalua tion ca ll
877-879-1177

2010 Credit Repair Capital, a Free Credit Resource Center 4001 Cirrus Medford OR 97504 877.879.1177 CREDITREPAIRCAPITAL.COM
 CREDIT SCORING
According to FICO Inc. as of
April 2010 nearly 43.4
million people now have
credit scores below 599
making them ‘a poor credit
risk’.
Since 2008 more than 5 million people
have fallen out of the ‘moderate’
category 0f 650 to 699. A credit score
below the 599 mark translates to a
higher borrowing cost compared to a
score over 650. Likely that cost will be
several hundred dollars or several
thousand dollars over the life of a car
loan. Most consumers with income
above expenses can manage their
score up 50 points over 120 days
resulting in access to substantial
savings.
RETURN TO MAIN PAGE
2010 Credit Repair Capital, a Free Credit Resource Center
One credit score reviewed during lending
decisions is Debt to Income. There are
two types.
The first DTI, known as the front-end
ratio, indicates the percentage of income
that goes toward housing costs.
The second DTI, known as the back-end
ratio, indicates the percentage of income
that goes toward paying all recurring debt
payments, including those covered by the
first DTI, and other debts such as credit
card payments, car loan payments,
student loan payments, child support
payments, alimony payments, and legal
judgments. A DTI score is generally
required by a lender when considering a
loan to a consumer for a major purchase.
Beyond DTI, Credit Scores are
maintained at the three major credit
bureaus, Experian, TransUnion and
Equifax.
There are three main components of this
score. Scores differ between bureaus
but range from a very risky 300 to an
excellent 850 with half of all scores at
around 720.
4001 Cirrus Medford OR 97504 877.879.1177
Typically your credit score is a key
component in determining the interest
rate a lender will offer you when you
borrow.
Generally the higher your credit score the
better interest rate available. A $200,000
30 year fixed rate home loan might cost a
borrower with a 760 score $1,182 or
$364 less on each payment than for a
borrower with a score below 620.
Increasingly you need a score in the
700’s to get the same financing available
in the mid 600’s just 2 years ago.
One component of your score, about 1/3
of your score, is determined by your
payment history. The most recent
payment history is weighted the most
through the past 6 months.
Also important is payment history over
the past 2 years. Paying on time with no
30, 60, 90 or 120 day late marks is very
important.
continued >
CREDITREPAIRCAPITAL.COM
 CHALLENGING A The next 1/3 of your score is based on Next section:

CREDIT REPORT’S the amount of credit you have and your CHALLENGING A CREDIT REPORT

ACCURACY outstanding balances in relation to your

available credit: In other words, your It is important to review your credit report

utilization rate. If you have ‘maxed’ your prior to making a major purchase. Look

A dispute with the credit credit lines your score will reflect this for questionable, incomplete, inaccurate,
bureau is a demand to utilization. As a general rule you want to or outdated items and prioritize based on
investigate within a utilize less than 25% of your available impact.
reasonable timeline outlined
credit at any given time to score the best. After prioritizing prepare a letter to the
by the FCRA.
credit bureau asking for clarification,

A proper dispute requires the credit The final 1/3 of your score is based on including complete information detailing

bureau to respond with appropriate several factors including collection the specifics of the negative entry. Use

supporting documentation for any accounts, length of credit history, activity clear language for your inquiry.
negative entry. When reviewing a on your open accounts, number of
credit report, among other errors, look
accounts, how many have been recently For example you may have a canceled
for closed paid accounts showing as
opened compared with the total number check for a payment made 6 months ago
still open and unpaid, available credit
of accounts, recent inquiries, types of that the furnisher to the bureau is
misstated collection accounts and
public records reported in error. credit used as well as other factors. reporting as late. In this case you would

Check your credit report several explain you were not late on the payment

months prior to a major purchase and Your score is only as good as the and you can provide a copy of the
manage your credit score up. information your score is based on. canceled check as evidence. Be clear as

As the credit economy has exploded over to what you require of the credit bureau.
RETURN TO MAIN PAGE
the past 10 years it is increasingly prone For example in the above case you

to errors. would require that the credit bureau

correct the late payment mark.

Be clear simple and straight forward in

your written communication.

continues >

2010 Credit Repair Capital, a Free Credit Resource Center 4001 Cirrus Medford OR 97504 877.879.1177 CREDITREPAIRCAPITAL.COM
 CHALLENGING A
CREDIT REPORT’S
ACCURACY
ABOUT THIS PUBLICATION
This publication is designed to provide
general information regarding the
subject matter covered. Because
each consumer’s situation is different,
information herein should be custom
tailored to specific circumstances.
The information contained herein is
not designed to serve as legal financial
or other professional advice related to
a consumer’s specific circumstance.
Please do your own due diligence and
seek professional advice when you
have questions related to your specific
circumstance. All rights reserved.
No part of this book may be
reproduced or transmitted in any form
or means electronic or mechanical,
including photocopying, recording or
by any information storage means and
retrieval systems, without permission
in writing from the author.
RETURN TO MAIN PAGE
2010 Credit Repair Capital, a Free Credit Resource Center
CHALLENGING A CREDIT REPORT
(continued)
Beyond disputing an item with the credit
bureau many successful challenges
require a next step disputing the entry
with the furnisher of information. There is
a chance the dispute can be mishandled
or not dealt with.
Therefore it is important to keep records
of both the dispute with the credit bureau
and the dispute with the furnisher of
information and continue to keep records
until you achieve the results required.
Don’t count on the credit bureau or
furnisher to keep the records for you.
When you file a dispute with the credit
bureau make sure you hold the bureau to
a reasonable timeline outlined by the
FCRA. Require the credit bureau to be
responsive including providing you with
appropriate supporting documentation for
any challenge made. There is a good
chance when you first contact the credit
bureau you will receive a verification of
the record in question from the credit
bureau. Your work is not done.
4001 Cirrus Medford OR 97504 877.879.1177
Make sure the record is correct including
the account number, the charge off date,
the last activity date, the balance and the
high credit limit. Obviously, the bureau is
required to have all of the details correct.
Remember to keep detailed records and
document everything as you follow
through with your plan.
Be mindful of disputing only records that
are hurting your credit score. Just
because there is an erroneous late
payment recorded on a car loan
mistakenly removing the car loan from
your credit report entirely could do more
harm to your score than good.
As you continue to correct your credit
report make sure you get a new report
and new score every 30 days and
reassess the totality of your credit
situation again including how many
loans, credit lines and credit cards are
outstanding. How much is owed on
each? How much credit is available?
Make sure you adjust your strategy and
goals based on your current situation.
continues >
CREDITREPAIRCAPITAL.COM
 IN CONCLUSION
Research shows discussing
personal credit ranks high
among topics people are not
willing to talk about.
Consumer Credit Capital understands
this and is uniquely qualified to work
with a consumer to manage their credit
score. The proprietary process
includes a telephone interview and
review of the consumer’s Experian,
Equifax and TransUnion credit reports
through the lens of consumer
protection legislation resulting in a
detailed report with weight assigned to
collection records, late payments and
credit utilization resulting in a step by
step Custom Plan of agreed upon
action steps to increase a credit score.
Consumer Credit Capital has a track
record of success. Visit us at
consumercreditcapital.net
or better yet give us a call for a free
evaluation.
877-879-1177
RETURN TO MAIN PAGE
2010 Credit Repair Capital, a Free Credit Resource Center
IN CONCLUSION The eager to please pilot relented and
Let us end where we started. Here is the plane took off with the three of them
another story about Tom and Tommy. and their four elk. About fifteen minutes
Sometime back Tom and Tommy into the flight the engine started to
chartered a plane with a pilot to drop sputter, and within seconds they were
them off in the wilds of Alaska for a week hurtling to the ground. Wearily arising
of elk hunting, just the same as they did from the wreckage, Tom looked at
the year before. Tommy and wheezed, “Do you have any
When the pilot returned with the plane idea where we are?” Tommy, quite
Tom exclaimed joyfully to the pilot, “We pleased with himself, replied, “Yes”!
had a great hunting trip! We bagged four We're about a mile from where we
elk!” crashed last year.”
The pilot regretfully responded, In short, if you have questions about your
explaining “Unfortunately, our plane can specific credit needs, sometimes it helps
only fly with the weight of two elk. You'll to talk with someone who has been down
have to leave the other two behind.” the same road before.
Tom and Tommy were both infuriated GIVE US A CALL.
and insistent. “We won't allow you to fly
this plane out without all four elk,” We are organized, persistent and most of
Tommy demanded. all a group of caring people, and we want
to help. For a free evaluation call
877-879-1177
4001 Cirrus Medford OR 97504 877.879.1177 CREDITREPAIRCAPITAL.COM