By Vicki Campbell November 22, 2015
Fair, honest brilliant ...read more
By lindaanddavid April 22, 2013
We had a very good experience with the Vision group and Justin Ford. We had some fear at the beginning but Justin was able to walk us through a stressful procedure and help us understand the process. We live 250 miles north of our house in Detroit and Justin was able to help us complete the necessary steps to successfully sell our house with very few trips south and no “pain”. We are so happy to have closed this chapter of our lives with the help of the Vision Group.Linda and David ...read more
By HappyGirl2 April 18, 2013
I wanted to write to say "thank you" to The Vision Group for completing the short sale of my home. Prior to the short sale, I had so much stress financially. I couldn't afford to do the things that I knew God had called me to do such as going out on the mission field. The short sale process through the Vision Group went smoothly and I appreciated the communication that you had with me through the process. Also, I was very impressed that you had a real estate agent to help me list the home and I was so happy when it sold within a week of listing it! Since the short sale, I have gone on a missions trip and I expect to go on another one at the end of this year. Again, I am so thankful for the hard work that you put into my case and I would highly recommend the Vision Group to anyone. Sincerely, Norma ...read more
We've just published a new edition of our newsletter! You can check it out on our website and get the latest information from Consumer Credit Counseling Service 1-888-551-1270. Let us know what you think! Read It Now Here ...read more
By Consumer Credit Counseling Service 1-888-551-1270 May 16, 2011
Fair Credit Reporting Act (Summary) Public Law 91-508 The Fair Credit Reporting Act (FCRA) allows a consumer to challenge the information on his credit report on the basis of "completeness and accuracy." If, after a reinvestigation by the credit bureau, the disputed information "is found to be inaccurate or can no longer be verified, the [credit bureau] shall promptly delete such information." The credit bureaus are required to complete the investigation within a "reasonable period of time." This period has been set at thirty days. The credit bureaus can ignore the consumer dispute if they have reason to believe that the dispute is "frivolous or irrelevant." The FTC commentary on the FCRA cites, as an example of a frivolous dispute, a dispute wherein the consumer challenges all negative items on his credit report without providing any allegations regarding specific items in the credit file. However, "A [credit bureau] must assume a consumer's dispute is bona fide, unless there is clear and convincing evidence to the contrary." When a consumer challenges a negative credit listing on the basis of extenuating circumstances, such as health problems, divorce, job loss, etc., the credit bureaus are entitled to ignore that dispute. When a consumer submits a dispute which is neither frivolous nor irrelevant by credit bureau standards, the credit bureau must "at a minimum... check with the original sources or other reliable sources of the disputed information and inform them of the nature of the consumer's dispute." In some cases of consumer dispute, "Reinvestigation and verification may require more than asking the original source of the disputed information the same question and receiving the same answer." In other words, when a consumer files or re-files a valid dispute, the credit bureaus must contact the source of the credit information (the creditor) and confirm that the information is accurate, verifiable, and not obsolete. In some circumstances, the credit bureau is required to go beyond a simple verification of the creditor's own computer record. If, within 30 days, the credit bureau has not received verification from the creditor, then the credit bureau must promptly delete the credit listing. In theory and law, the process is deceptively simple, thus leading many people to think that they can easily handle this themselves "for the price of a few postage stamps." Most quickly discover that the credit bureaus have made it much more difficult than one would imagine. For help in this, we recommend using Lexington Law a professional credit report repair company. ...read more
By Consumer Credit Counseling Service 1-888-551-1270 April 26, 2011
By Metts Enterprise February 09, 2008
College can be expensive and this can prevent many people from continuing their education. However there are many programs and loans designed to help people afford college through financing. If you have bad credit, you will need to find special loans and lending options that are designed for you. ...read more
Furniture is often expensive a usually require and loan or credit card to finance it. If you have bad credit, it may be hard to obtain this funding. Many furniture stores will allow people with bad credit to finance the furniture through the store. Visit several stores to find out what your financing ... ...read more