Credit Enhancement

Facts
Mortgage Crisis
Foreclosure Epidemic
Credit Crunch
Credit Restoration
Debt Settlement
Credit Rebuilding
Identity Theft Correction Services

Facts

There are three very specific crises that are negatively affecting the American consumer: the mortgage crisis, the foreclosure epidemic and the credit crunch. Each are unique but they are all closely related. Educate HomeOwner.com is dedicated to offering services and education specifically tailored to solving the problems caused by these crises.

The Mortgage Crisis

The subprime mortgage crisis is an ongoing financial crisis triggered by a dramatic rise in mortgage delinquencies and foreclosures in the United States, with major adverse consequences for banks and financial markets around the globe. The crisis, which has its roots in the closing years of the 20th century, became apparent in 2007 and has exposed pervasive weaknesses in financial industry regulation and the global financial system.

Approximately 80% of U.S. mortgages issued in recent years to subprime borrowers were adjustable-rate mortgages. When U.S. house prices began to decline in 2006-07, refinancing became more difficult and as adjustable-rate mortgages began to reset at higher rates, mortgage delinquencies soared. Securities backed with subprime mortgages, widely held by financial firms, lost most of their value. The result has been a large decline in the capital of many banks and USA government sponsored enterprises, tightening credit around the world.

At Educate HomeOwner.com we understand the lending world intimately and we are proud to be able to provide services for our clients designed to help alleviate their burden.

Please do not lose hope we are here to help:

The Foreclosure Epidemic Back to the top

The wave of foreclosures that is crashing down on our nation seems to have American Homeowners drowning in the threat of losing their homes. Educate HomeOwner.com has the expertise and experience to help those Homeowners who are in endanger of losing their homes to a foreclosure sale.

Please take a moment to fill out our simple contact form immediately so that we can do our best to help you as well.

We will go over in detail the steps you need to take in order to halt the sale of your home. Once we have secured the halt of sale we will explain to you in detail the course of action to take to establish a workout program with your lender that will satisfy all parties involved.

The Credit Crunch Back to the top

More than ever before, our country is in the throes of a credit crunch that is changing the face of the borrowing landscape. Borrowers who were recently considered to be exceptionable credit risks have found themselves with credit scores that have plummeted due to missed mortgage or consumer credit payments.

Educate HomeOwner.com has secured several important relationships with organizations that can help Homeowners with what might be considered ruined credit get back on track and begin to restore their hard earned good credit rating. We have services that will assist you without putting you into more hardship and we work with and through our Financial Destination partner to assist you in enhancing your credit, eliminate your debt and maximize on your full earning potential.

If you need to do any of the following:

Enhance your credit
Build your credit
Add trade lines legally
Learn about credit
Protect your credit or that of your children and not worry about Identity Theft

Then let us discuss what options you have and how we can help you today!
We have the building blocks to help you enhance your credit.

Credit Restoration: Back to the top

We use our affiliation with Financial Destination and as a Financial Destination Representative to asset you in enhancing your credit. We use this service among many others that they have and this service is designed to correct or delete derogatory information contained on your credit reports with the 3 major credit reporting agencies (Trans Union, Experian, and CSC a.k.a. Equifax). If you have information contained on your credit reports such as: Late Payments, Collections, Judgments, Tax Liens, Repossessions, Charge Offs, Foreclosures, or Bankruptcy Items that you believe may be inaccurate, misleading, outdated, obsolete or no longer able to be verified, Credit TRAX, with your authorization, can request that the creditors and credit reporting agencies investigate the validity, accuracy and/or ownership of these accounts. If the accounts you have authorized us to dispute on your behalf are found to be inaccurate or unverifiable, they are required by law to be corrected or deleted from your credit history. Each item deleted or corrected can potentially raise your credit scores, potentially saving you hundreds and even thousands of dollars in interest, down payments and insurance premiums.
Click here to request a free consultation.

Debt Settlement: Back to the top

This service can help you settle BAD Unsecured Debts (Credit Cards, Personal Loans, Medical Collections) for an average of 25-65% of what you owe and allow you to pay your settlements over a 12, 24 or up to 36 month period of time, providing you with the ability to make affordable monthly payments that can fit into your budget and get rid of your Bad Unsecured Debts. This service can also eliminate harassing creditor phone calls, help you to avoid Bankruptcy and potentially save you thousands of dollars in attorney fees, penalties, interest, late fees and even principle. In order to qualify for the Credit TRAXDebt Settlement program, you must have at least $8,000 in unsecured debt. Quick Note: This program does not settle debts that are in good standing, debts on loans or lines of credit that are backed by collateral such as: real estate, automobiles or other forms of personal property or debts that you have already been sued over or have a judgment against you for. This is the best, most affordable and proactive way to resolve your past debt problems, to avoid additional penalties or potential legal action.
Click here to request a free consultation.

Credit Rebuilding: Back to the top

This program can assist you in establishing or reestablishing your credit history. If you have no credit, this program can help you establish a revolving account that will help you develop a credit score. If you have little or no good credit and you would like to reestablish a good pay history to enhance your credit scores, this service can help you accomplish that as well. Based on testimonies provided by existing FDI members that have used this service, they have experienced credit score increases ranging from 5-40 points in as little as 60 days.
Click here to request a free consultation.

Identity Theft Correction Services: Back to the top

By being an FDI member you have the security of knowing that you have a professional credit correction and consulting company in your corner to help you resolve any problems that may arise in the event you ever become a victim of Americas Fastest Growing Crime, (Identity Theft). Millions of American consumers have already fallen victim to this crime and the numbers continue to grow. USA Today recently had an article that said the average consumer who becomes a victim of identity theft spends as much as $1500 and up to 175 hours trying to resolve the problems that are caused by identity theft. With Credit TRAX's Identity theft correction program, we will help you alleviate any debts that are set up in your name fraudulently, so that you are not held responsible for the repayment of those debts and we will also make sure that any information that is reported to your credit file as a result of identity theft is deleted so that it does not affect your credit score or your debt to income ratio. You may have heard of companies that offer identity theft protection programs and charge anywhere from $9.95 to $49.95 per month to protect you from identity theft. If you are an FDI Preferred or First Class Member you do not need these services, because our Identity Theft Correction program is included with your FDI membership as an absolutely FREE Benefit, just like all of the other services listed above, excluding the Credit TRAXDebt Settlement Program.
Click here to request a free consultation.

Identity Theft In The USA

Credit Restoration
Since I have been with CreditTRAX, I have been blessed with a new car. I have been on my job for 17 years and every time that I apply for a loan they have turned me down, and this time when I applied for a loan they approved me. Thanks for helping me restore my life and not just my credit.

E. Britt, Connecticut

Credit Restoration
I have greatly appreciated your help and the job you are doing for me. Already you have removed several items from my credit report that were derogatory. I would recommend your service to all my friends.

Thanks,
J. Milten, Washington D.C.

Credit Restoration
I am writing this letter to thank you for the incredible job that you have done in assisting our client's to restore their past credit history. Myself and my partners have been referring clients to FDI/CreditTRAX for the last 8 months and out of the 23 clients referred, we have been able to close 7 of their loans so far and we are anxiously awaiting the completion of more to come. Keep up the good work and we will keep referring anyone who we cannot get qualified for a mortgage due to credit issues.

Gratefully,
B. Tye, Mortgage Originator, Kentucky

Credit Restoration
I am sending this letter to inform you that I am extremely pleased with the job your company has done so far. I have received information on a continuous basis which shows that my credit is getting better and better all the time thanks to your efforts. Keep up the good work!

Sincerely,
M. Harris, Virginia

Credit Restoration
I was using a different service to try to clean up my credit. I was getting married and wanted to buy a house. After more than a year and about $2000 nothing was getting fixed and I kept paying the monthly fee of $45. I finally got fed up and cancelled the service that did nothing with my credit report. I asked for my money back but they expressed that they did clear up one item so the money was not going to be returned. I found your site on the internet and submitted for a consultation. To make a long story short, your company had my credit cleaned up in about 6 months and I have purchased a home and am now married to a wonderful woman. Thank You for helping me achieve my goals. Now I am keeping better tabs on my credit and know how important it is.

God Bless CreditTRAX,
E. Robles, S. Carolina

Credit Restoration
I am a local car dealer here in Lexington, KY. I am writing this letter to thank you for assisting my dear friend J. Harris with the credit issues he was dealing with. As you can tell J. is a very good person and even though he had a great retirement income the loss of his wife caused him to accumulate credit problems that he was unaware of being responsible for, because his wife handled the finances. You will be happy to know that we were able to get him a 4.9% interest rate instead of him having to dip into his retirement or paying the 19% that we would have had to charge him otherwise. He praises you guys regularly and we have decided to become affiliates as a result.

Thanks again,
M. Davis, Kentucky

Debt Settlement
Thank you so much for helping us get out of debt. My Husband and I were both downsized from a company that we have worked with for over 15 years and we were forced to take a large pay decrease with a competing company that we are now working for. We are both grateful to have a place to work and even though we have years of experience in our field we were forced to take an introductory position and the income that goes with it. Unfortunately, all of our bills were based on our former income and we were very close to filing bankruptcy until a good friend of ours referred us to your company. Your company helped us settle over $40,000.00 in debt for less than $24,000.00 and decreased our monthly payments from $1480/month to less than $650/month. We are now able to continue putting away money for retirement.

Thanks Again,
M. Black, Texas

When another Mortgage company lied to me while I was 8 months pregnant I did not know where to turn. I was told I would pay almost 8k more in closing costs then first quoted. Then when I was trying to pull out of the purchase due to lack of monies...

L. Duarte , Miami

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