February 16, 2001

Welcome to 0nly4Homebuyers Issue 29. Please send
your questions,comments or suggestions for future
issues to mailto:cmc@...
Your input is appreciated. If you would like to read more
articles about buying or selling a home, please visit our
website at http://www.creativemortgageco.com/
Cindy Snyder

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In This Issue:
Bi-Weekly Mortgage Payments.
Bad Credit Removal
Is it a Good Deal?
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Need help cleaning up your credit? A Professional agency can help you
get things back on track! If you are having trouble paying your bills,
visit this site.
http://www.johnsonlane.com/creditcenter.asp?Tag=008055&Agent=127

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Bi-Weekly Mortgage Payments
Have you been thinking about signing up for one of those programs
where you pay your mortgage every two weeks? If so, be sure
to read this article first. Can you really save money by doing this?
How much is it going to cost you? I am not saying it can't be a
good thing. But....it's also good to be informed! Very interesting
reading.
http://credit.about.com/money/credit/library/weekly/aa080598.htm

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FREE Magazine shows you how to start your own business from home.
Request a FREE copy of Home Business Connection Magazine @
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Negative/Bad Credit Removed Guaranteed! Call: 1-877-***-****.

Enticing ad isn't it? This ad sure grabbed my attention in the Tuesday
edition of my local newspaper. Knowing all that I do about credit, the
first word that came to mind was "How?" What better way is there to
find out how something is done than to go directly to the source. That
is just exactly what I did.

I picked up the phone and dialed the toll free number to get in contact
with Bad Credit Removal Services based out of Washington D.C. I first
announced myself as the owner of an Ezine that is aimed at helping and
educating consumers. No sooner did I mention that I was planning on
writing an article about this, did I get transferred to the general
manager, who never gave a name.

When asked how he could 'guarantee' removal of bad credit, he
replied with, "We actually guarantee that our contractor will get 50%
or slightly more of the bad or negative credit will be removed from
the consumer's report."

Next came the two most logical questions that a general manager
should have been able to answer, "How does your contractor do it?"
and "Can you tell me how I can reach your contractor?" I must admit
there was no surprise in finding out that this gentleman either could
not or would not reply to my questions other than to say "I don't know."

Are you wondering how much this company charges for it's 'services'
yet? How does $315 sound? Never fear though, even though you
have bad credit, they will offer you payment plans! Getting excited
yet? Wait just a second there, I forgot to mention that in the state
of Virginia and 17 other states in the union, it is actually illegal to
demand money in advance for credit related services, aside
from receiving an actual report. I guess this company forgot to
think about that little law before placing an ad in the Virginian
Pilot and offering to do business in the state of Virginia.

My conclusion was that this amazing offer was a total scam. Not
only would you be paying them $315 for a service that they cannot
provide, due to credit privacy acts, but you would be handing over
your social security number, credit card numbers and a wealth of
personal information. Have you ever thought that you would be
paying someone to steal your identity? Of course not! If you took
advantage of this ad or any other ad like this one, that is just what
you could be doing!

Some of you out there may be slapping yourselves on the head
because you have recently taken advantage of an offer like this.
Thanks to the rise in identity theft over the past 10 years, the
federal government and credit reporting agencies have teamed
up to prevent this type of theft from taking place.

If you fear that you have exposed yourself to identity theft, call
all 3 reporting agencies and have a fraud alert placed on your credit
file. "The fraud alert will tell the perspective creditor that in order
to
approve any form of credit for you over a set period of time, they
must legal contact you first by phone or request that you provide
much more proof of your identification. You choose a contact
phone number or address when you place the alert on your file
that cannot be changed without going through a thorough
verification of identity process first." say M.B. of Trans Union.

Should a creditor not contact you if you have this alert on your
report, you can sue the creditor and be liable for absolutely no
balance what-so-ever of the credit extended. This is a federal
law that is reinforced by 41 states in the union.

The moral of the story is, not to sound like a cliche', if something
sounds to good to be true, it probably is. Do not be taken in by
these scams. If you have made a mistake however, there are steps
you can do to protect yourself.

Equifax: http://www.equifax.com/ (1-800-997-2493)

Trans Union: http://www.tuc.com/ (800-888-4213)

Experian: http://www.experian.com/ (1 888 397 3742)

Debra Vaughn is a stay-at-home mother to 3 young girls. She
is a freelance writer in her spare time. Debra also edits and
publishes The Family Budgeteer Weekly Online and Newsletter
http://www.familybudgeteer.com/

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mailto:retirequickly@...
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Visit our website! http://www.retirequickly.com/32995

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Is it a Good Deal? Evaluating Your Future Home.

Evaluating the true value of a home depends on its physical
condition. A home that is in great shape is, naturally, worth
more than a home that is in poor condition. The trick is in
figuring out if it truly IS in great shape. This is not always
so readily apparent.

Look at it this way. Let's go shopping for a mattress. Now
we have here two mattresses. They both look fine, but a
mattress of poor quality will need to be replaced much sooner
and may not be all that comfortable. Especially if the springs
are poking you in the back! Same goes for buying a new sofa.
It might look great, but if the frame is poorly made, how long
before you will need to replace this sofa?

It's no different with a home. A new coat of paint and some
new vinyl in the kitchen is great. But what if, the foundation
is cracked? What if the furnace is 15 years old and possibly
in need of repair or replacement? The home may be
worth a lot less than the asking price.

The owners of the home are supposed to disclose problems.
However, sometimes they don't or maybe they aren't even
aware there is a problem. You need to insist on a professional
home inspection. Your Real Estate Agent should be able to
recommend one. If not look in the yellow pages under Home
Inspection. Know what you are buying.
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If you could save up to 80% on your family's healthcare
needs, with all pre-existing conditions accepted, for only
$40 per month (entire family). Would you be interested
in learning more? http://www.firsthealthsource.com/

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DO YOU KNOW what's on your credit report?
Here's a chance to find out for FREE:
http://www.freecreditreport.com/index.asp?sourceid=00330369271252964074

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