Credit Repair Vs. Credit Management
Welcome to CMA Financial, and our NEW consumer friendly website. While visiting our site you will a wide variety of resources that will help you manage your overall credit and debt portfolio. But before we can let you loose to find all the informative information we have to offer, we first need to help you understand the difference between “Credit Repair” companies and a “Credit Management” company. Believe it or not, there is a significant difference . “Credit Repair” companies are common in today’s marketplace. You can see advertisements up and down all major streets and intersections in the metropolis area. Most claim to be “Attorney Based Credit Repair” or “Legal Credit Repair” and the one we like the most, “ FREE Credit Repair, Guaranteed Results! ” This is one of the biggest scams in the market and NUMBER ONE, it’s ILLEGAL! The goals for these companies are simple: Promise or imply services that can not legally be rendered or delivered. We hear stories from our clients, us calling the street signs ourselves, and various radio advertisements and seminars. For example: How about the credit repair company in Richardson, Texas who tells potential customers that he has a $70k computer system that is linked up to the credit bureaus and he can achieve results in as little as 10-12 days! That is just a bold face LIE and that type of system would be extremely illegal to have. How about the majority of credit repair companies out there that say they can deliver, but you can’t get a hold of them after you paid them money? Or for the loan officers and real estate professionals that have placed their trust into one of these organizations only to find out they can’t deliver what they promised and now have managed to tarnish their reputation in the eyes of their clients? There is a very significant difference in company types. Credit repair companies are what we like to call “Paper Mills.” They usually send dispute letters to the credit bureaus disputing the items on the report with statements like “ Not Mine” or “Never Late.” The problem is that by doing this type of dispute, the credit repair company can actually lock your credit profile due to frivolous tactics and prevent you from ever disputing that item again. Most credit repair companies have learned their “so called skills” from credit repair forums, credit repair books, or “water cooler” knowledge from other “so-called” experts. They have no formal skills that can assist them in being a QUALIFIED Credit Consultant. Your Credit Score is one of the most important tools in your financial arsenal. That 3 digit number can control your financial stability and needs to be managed by a team of professionals that have the background and experience to
Credit Repair Vs. Credit Management
help maximize your credit score potential. Any “Credit Repair” organization in the United States has to be licensed and bonded by the state in which they hold their corporate offices. It is very important to verify that any company that you use has the Proper Credentials, or you could lose money real fast. Credit Management Associates, LLC. is a Full Service “Credit and Debt Management Consulting firm. The restoration of your credit profile is a byproduct of our services. We do not just focus on the increase of your credit score, but rather focusing on the bigger picture and help create you to be financial savvy for the future. We start every client off with a Full Service Consultation; which includes pulling all 3 major Credit Bureau Reports, a Full Service Credit Consultation, a Full service Debt Management Consultation, and a Goal Management Plan. In order for us to manage you expectations, we must understand where you are today, and where you want to be tomorrow. The only way we can
accomplish this is thoroughly evaluating your overall financial and static goals.
Our team of professionals lives by a Code of Ethics which are the foundation of our organization and a way of corporate life at CMA. There are 3 expectations we encourage our clients to expect from us; Accountability, Reliability and Dependability. When we manage our client’s expectations, we do so by building a blueprint of the client’s credit portfolio and manage the overall risk associated with it. This blueprint becomes the foundation for our clients’ goals and helps them achieve remarkable results. So in closing, we live by a code and everything we tell our clients is the absolute truth. Sometime the truth is harder to take then a lie and we understand the emotional attachment you have to your goals. Having a qualified team to represent you in managing you credit risk is just as important as the attorney you hire to manage your legal expectations. After all, let’s face it, your Credit Score IS your FINANCIAL LIFE. Look, learn and ask questions, we are here to serve you! Thank you, CMA Financial
Credit Repair Vs. Credit Management