There is life after bad credit; the quality of your life isn’t just up to you.  Why?  Because the information being reported affects every consumer and misinformation plagues literally millions of consumers, many without the time, training or tenacity needed to confront the credit reporting industry as it is.

Recent surveys, shown in the USA Today as well as those conducted by the credit bureaus themselves show 50% of all credit reports contain errors in reporting and of those 36% have information that belongs to another person.  These errors will cause people to pay more than they should on loans and cause denials unjustly.

The history of credit dates back to biblical times.

Seeds are sewn on the promise of harvest and repayment, but one must tend to the garden in order to prosper.