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Fowler and Fowler Credit and Debt Solutions

Fowler and Fowler has been a leader in the credit repair industry for over a decade.  They have perfected a technique with years of consistent results.  Many companies boast of big numbers of removed items, but what they failed to tell us is how many they did not remove... if a company removes 50,000 bankruptcies that sounds pretty impressive, but not if they failed to remove another 50,000, that is only 50% removal.  At Fowler and Fowler we are proud of our 90% removal/correction rate!   

 

They have been in business since 1992, and doing credit repair exclusively since 1998.  They are listed with Dunn and Bradstreet and have an A+ rating from the BBB.

Fowler and Fowler BBB Rating  

And a memeber of the National Assocation of Credit Services Orginization.

 Sterling Credit Solutions

They have removed hundreds of thousands of negative accounts from our client's credit reports and have included a sampling of their testimonies on every page of thier site. 

 

They are very different from most Credit Repair Companies.  Most of them are nothing more than "credit repair mills".  They work on credit reports, (and consumers), like they are herding cattle.  Even though they boast of "years in business", most of these on-line companies did not start doing credit repair until very recently.  These "mills" simply draft one standard dispute letter and send it to the credit reporting agencies every 30 to 60 days.  Something you could easily do for yourself! 

They charge a minimal monthly fee, some less than the cost of cable television.  Do you really believe their "team of lawyers" or "specialists" is going to draft original documents to the credit reporting agencies, FTC, creditors, collections agencies and courthouses, on your behalf, for around $1.00 a day?  I don't think so! 

They offer two types of Free Evaluations, an on-line form or an actual credit report review.  Please click  HERE if you would like them to evaluate your current credit situation free of charge.

 

 Fowler and Fowler Credit Repair

 

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How will your change in credit card interest rates impact you?

 

September 1, 2011

If you happen to miss a payment on your credit card or any other loan it may impact your credit card interest rate. If you owe about $1,000 at 11% interest it will take you 73 months (6 years) to pay it off and $320 in interest. but when your credit card company increases your interest rate due to a late payment, even if the late payment is not that credit card, they can increase your rate to a penalty rate. Let's say that rate is 19.9% (some states allow up to 29.9%). It will now take you 100 months to pay off your balance (8.3 years) and $860 in interest.

It pays to pay your minimum payments on time.

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FREE Credit Scores for Prospective Borrowers or NOT.

September 5, 2011

It has been just over a month since the new Federal credit score disclosure law went into effect. Lending institutions have already found loopholes to keep from disclosing your credit score when you are denied credit, loan, or if you received less desirable terms because of your score. According to SmartMoney.com there are time you may not get a credit score. These are usually when banks use their own in-house credit scoring system. There are other ways to get your credit score that will not impact your credit rating by going to MyFICO.com  Click here for more information.

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