The Family Business Stays Cool and Hot

I am a HVAC technician and I am proud of my work. I feel that is more of a career than a job. My father always to choose a career that I have a passion for and do it proudly. I work for my family business. We specialize in hvac repair in NYC. We have an eclectic mix of customers. My service is to provide them with cool air in the summer and heat in the winter. I install quality units onto houses, apartments, and buildings. I know that my father and grandfather are proud of the quality work that I am doing.

Our family business started thirty years ago. My father and his father stared the business. They were mechanical engineers and properly trained as HVAC repairmen. They were at the top of their classes. They always preached to me the importance of education. They only had a few customers at first, but they continued to work hard. Eventually, people all over city would hire them for repairs. Read the rest of this entry »

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Finding the Best Apartment for Our Family

My husband was told that his contract was going to expire at the end of last year, so he sent out his resume to several other companies. One in Corpus Christi gave him an offer that was too good for us to refuse, so we knew that we were going to move there. We did not have a lot of time though, so I went online to look at apartments in Corpus Christi. There are so many things that can be done online now, and I was hoping that arranging for an apartment several states away was one of them.

The first complex I looked at was San Marin Apartments. Read the rest of this entry »

The Growth Of The Credit Repair Business Opportunity

Everyone is saying that times are hard and that no one is making any money nowadays. But that doesn’t mean you have to believe it. Rise above all the negativity about who is earning what (and who isn’t earning anything) and do something for yourself. Start a business that has proven to be successful with your own credit repair business.

Why should you start a credit repair business?

Even if you have just recently started looking into what business to start, you probably already realize the advantages of a credit repair business! There are many reasons to consider credit repair.

It is a business that can be run easily at home, with little start up cost required. You can do it from your kitchen table with just your laptop. You can do it as a full time job or just for a couple of hours each day, and you get to set your own hours. And, it is a business that can succeed even if the economy is bad.

But many people love being in the credit repair business because it gives them the chance to help people while earning a living. Credit repair may not be the first thing that comes to mind when you are thinking of ways to help people, but it really is!

When a client has a bad credit rating, they may not be able to get the new car they need, or the home of their dreams. Bad credit may mean they can’t start a business, or even get a job.

Even worse (and more frustrating), is that sometimes having a bad credit rating isn’t even the client’s fault! Mistakes can easily happen on a person’s credit report; their name or social security number can be mixed up with someone else’s.

These errors can be very difficult to correct, and problems from these errors can get even more serious. Your client may not only have problems getting the loan they need for a new car, but they may be getting harassing phone calls from creditors. And, they may end up having their wages garnished. All for something that isn’t their fault!

Or maybe your client didn’t take their credit very seriously in their younger days, and now they need some help getting their credit report cleaned up. They are anxious to make things right, but they just need a little help figuring out the best way to repair their credit.

This is where you come in as a credit repair professional, where you get to be the hero!

The FTC and members of congress realize credit report errors are a problem

Even the government is concerned about credit report errors and the impact these can have on consumers. According to a Federal Trade Commission (FTC) study of the U.S. credit reporting industry, 5% of consumers had errors on one of their three major credit reports. These errors could lead to them paying more for important things such as auto loans and insurance.

The study also found that:

• One in four consumers identified errors on their credit reports that might affect their credit scores
• One in five consumers had an error that was corrected by a credit reporting agency after it was disputed, on at least one of their three credit reports
• Four out of five consumers who filed disputes experienced some modification to their credit report
• Slightly more than one in 10 consumers saw a change in their credit score after the credit reporting agency modified errors on their credit report
• Approximately one in 20 consumers had a maximum score change of more than 25 points and only one in 250 consumers had a maximum score change of more than 100 points.

Sen. Claire McCaskill (D-Mo.) testified in front of a Senate Commerce Committee at a hearing on inaccurate information on credit reports. She told them, “Errors can mean the difference between obtaining a car loan or not, or paying a higher price for a mortgage. Errors can result in credit issuers, like a small town bank, declining credit to a potentially valuable customer, or issuing credit to a riskier customer than intended.”

She suggested that the industry needed financial penalties to keep similar mistakes from happening. Sen. David Rockefeller (D-WV), chairman of the Senate Commerce Committee, also suggested that legislation was needed.

“The credit bureaus have a legal obligation to take all reasonable steps to maximize the possible accuracy of credit reports, and when they do contain errors, provide consumers with the means to fix them,” said Rockefeller. “I expect this industry to do everything it can to ensure that the system works for the ones that it impacts the most, everyday Americans. If today’s hearing uncovers problems with the credit reporting industry, I urge these companies to tackle those problems with a sense of urgency.”

Clearly, consumers need help with this important issue.

How to take advantage of a credit repair business opportunity

The first step to helping your clients, once you decide to be a part of the credit repair business, is to learn all you can about the credit repair business. You need to learn the secrets to credit repair and how to submit credit disputes on behalf of your clients. You need to have a thorough understanding of how credit reports work, so you can help your clients to understand them.

It may sound like too much to take on, especially if you don’t consider yourself a financial wizard. However, there are some simple ways that you can get credit repair business training.

• To start with, you can read as much about credit and credit repair as you can. Look around online for credit repair forums and join in on the discussions.
• Get your own credit report and take a close look at it.
• Find a mentor, someone who has been in the credit repair business for years.

This may not be as easy as it sounds, though. This is where a credit repair business training resource comes in. This is a great way to communicate with professionals who have been in the industry for years. It will also help you to educate yourself about the industry and the best way you can help your clients. It will help you understand what you can and can’t do when negotiating with your client’s creditors and collection agencies, and it will help you to ensure that your client won’t be taken advantage of.