8 Fatal Beliefs Of Credit

My Dad (rest his soul:) had a saying about making assumptions.

"When you assume, you make an ass out of you and me".

Until I grew older, I didn't realize how correct and phonetically clever that saying was.

One tragedy of making credit assumptions is, they become accepted beliefs. Before I became a DEBT WARRIOR, I held many fatal - but false - beliefs about Credit. In this post, I'll share "8 Fatal Beliefs Of Credit".

1. Creditors and Debtors are friends.
   FALSE: It's just business. Don't make a payment and you'll see how 'friendly' Creditors really are.
   
   
2. The Big Credit Bureaus (Equifax, Experian and Trans-Union) are Governmental Agencies.
   FALSE: They are big businesses that serve Creditors.
   
   
3. Creditors are always right.
   FALSE: I've uncovered dozens of Creditor billing errors, lost payments, violations of the Fair Credit Reporting Act, Fair and Accurate Credit Transactions ACT, and The Equal Credit Opportunity Act (to name a few).
   
   
4. Consumers can't negotiate their debt for themselves.
   FALSE: You can learn to negotiate your debt for yourself. Many people GIVE-UP instead of FOLLOW-UP when they can't afford to.
   
   
5. Consumers can't Repair their Credit for Themselves.
   FALSE: The biggest SECRET that nobody else seems willing to share, is that YOU CAN repair your Credit for yourself. All it takes is faith, courage, knowledge and action.
   
   
6. You cannot live without Credit (in today's world).
   FALSE: Hundreds of millions of Consumers have this fatal believe. You CAN live without Credit! Use a debit card or pay cash. Credit is cunningly convenient and helps people feel good about themselves (temporarily).
   
   
7. Credit Scores Don't Matter.
   FALSE: The lower your Credit Score, the more you'll pay for; Insurance, Mortgages, Apartments, and Auto Loans (to name just a few). Although you don't need to use Credit to live. Having a clean and accurate Credit Score will save you thousands.
   
   
8. Yesterday's Question: "Who do Banks Consider Dead-Beats"?
   It's the opposite of what 'RATIONAL' people would consider 'Good Customers'. Lenders consider 'Good Customers' Dead-Beats.
   
   To Creditors, 'Good Customers' are "Credit Revolvers". Credit Revolvers:
   
   • Don't pay on time
   • Have large balances, often at painfully high interest rates and
   • They rarely pay more than the minimum payment on their cards.

Now that you know the 8 Fatal Beliefs, you can forge NEW beliefs based on the facts. You can educate yourself on the simple but successful secrets of 'Self-Help for Credit Repair and you can repair and improve your Credit Score for yourself. You can believe it:)
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