Lower Your Debt and Maintain Your Credit during This Holiday Season

Holiday season is right around the corner, Thanksgiving, Christmas and Hanukkah, who doesn’t like gifts? This holiday season is far different from the rest; there is too much chatter about a new credit downgrade and the “fiscal cliff” which sums up to more credit restrictions for lines of credit and mortgages, and a probable recession down the […]

What We Do and Don’t Do with Our Credit Restoration Services

More and more clients are referred to Credit Consulting Professionals Inc. by the day; it’s because of our proven results, our great service and real solutions. We owe our success to our clients, our past clients and our affiliates who continue to refer us business. We have free information on our site to help you […]

How Worthy is Your Personal Credit and How Can You Improve Your Credit?

“Credit is a contractual agreement in which a borrower receives something of value now and agrees to repay the lender at a later date, thereby generating a debt.” (Source: InvestorWords.com & Wikipedia.org) Consumer Credit is Personal Credit Personal Credit includes: credit cards, installment loans, home equity loans, mortgages and auto loans. Your credit history is […]

Bankruptcy “Cram Downs” for Commercial and Residential Loans

The concept of Personal Bankruptcy “Cram Downs” was established in the  “Helping Families Save Their Homes Act ” in 2009. The Helping Families Save Their Homes Act allow bankruptcy judges to “cram down” the second mortgage on investment properties, second homes and also modifying the first mortgage.  Contrary to the rule, judges in California, Texas […]

Your Credit is Your Report Card for Everything

Take Warren Buffet’s advice, owning a home is better than renting one. In this market, even renting a home requires good credit. If you have good credit, why not own a home? Your credit scores are viewed constantly, like a report card in everyday life. I have summarized six important topics of obtaining and retaining […]

Bad Credit Plus Strategic Defaults Equals Rent Inflation

Have you noticed rental prices are on the rise? 2011 rental markets are heating up due to the demand of renting versus the eligibility of home ownership.  Popular interests of renting versus buying are called “Generation Rent” in opposition to the once favorable “Homeownership Society.” In a recent Bloomberg’s article “Housing has become “a contributor […]

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