SNAZZY CREDIT REPAIR!
Is your credit in need of a fix? Well have no fear Snazzy Credit Repair Agency is here!
Check out our exclusive interview.
How did you get started in credit repair?
Well, actually credit repair got started in me. Growing up poor in Uptown New Orleans, I knew nothing about having good credit. It was years later in passing that I caught wind of it. I began to hear more about this thing called a FICO Score and the importance of having a high score. I developed a strong desire to know more about it because when my colleagues spoke about their “good credit” they showed so much elation and excitement. It was then that I began my journey to help educate anyone who would listen about the importance of having good credit. I also began to realize that a good life is attainable. My mission at this moment in time is to change lives, one FICO Score at a time.
Finances are usually a sensitive subject to someone that’s financially challenged. Is it difficult to get people to trust you with their financial business?
Trust is a very important component within the credit repair industry or any industry for that matter. I believe in the old adage 'trust isn't given it's earned'. You know what? I can deal with that because with the right combination of passion and persistence, trust will be sure to follow. Snazzy Credit Repair will work hard to deliver results. In this industry, keeping your word and treating every customer like they matter are just some of the fine details that are overlooked.
Can you explain the difference in a credit counseling agency and a credit repair agency
Sure. A credit counseling agency advises on managing your money and debts in addition to the assisting the client develop a budget to better get a handle their finances. Educational materials may also be offered as well. Working with a credit counseling agency, you will have to contact the credit bureaus and creditors alone which can be a daunting task if you aren’t savvy with your finances to begin with. Whereas, a credit repair agency does all the work for you by leveraging your legal right to three standards: that the clients credit reports must be completely accurate, wholly fair, and fully authenticated. This is achieved by working with credit bureaus to request the clients credit report and contacting creditors to dispute any errors which will improve a person's credit report as a way of increasing their FICO credit score. These steps usually include examining all the debt that a person has acquired and devising a plan to reduce or eliminate the debt.
Statistics show that most are already financially challenged when they want to start repairing their credit. How much does this service cost and is your monthly dropout rate high according to the statistics?
The monthly payment is low which will allow the client to eventually gain financial freedom! We offer free initial consultations with a low monthly payment of $89. An investment in one’s own self is a remarkable step in the right direction! The dropout rate is manageable according to the statistics. The inevitable is that people for some reason or another, won’t be able to keep up with the low monthly payments and that isn’t a problem. After all, this is a no risk/no obligation agreement and the client can cancel anytime. People may not remember what you say or do to them in life, however they will remember how you made them feel. With that being said, the clients that are lost from time to time will be back because it goes right back to providing great customer service from day one.
What services do you offer?
Snazzy Credit Repair offers a free initial consultation. We will contact the three credit bureaus to request the clients credit report. This will allow us to review the clients credit report to look for any errors, inaccuracies or derogatory marks due to for example, late payments, identity theft, charge-offs, collections, repossessions liens and judgments. Once errors or discrepancies are identified, we will work diligently to have errors or discrepancies removed. We will also negotiate on the client’s behalf to lower interest rates on items that aren’t errors as well as to request to have debts reduced.
How will working with you help someone long term?
Working with Snazzy Credit Repair will improve the clients FICO score, therefore making new lending easier to obtain and insuring more favorable debt terms on future transactions. Great credit comes in handy when it’s time to buy that new home or car. Working with us also affords the client the opportunity to receive low interest rates on those purchases. Credit repair is just all around important to people that are trying to obtain better credit options. Credit makes the world go around; money does also however, great credit goes a long way.
Can you get creditors to lower or eliminate interest and finance charges or waive late fees?
Absolutely. Snazzy Credit Repair will use a few credit repair techniques to get lower rates or to eliminate interest all together. The client should also see late fees waived, improvements on lending terms, and refinancing debt. The elimination of interest and late fees doesn’t even begin to scratch the surface of what working with Snazzy Credit Repair can do for the client’s financial freedom and total well-being.
How can you be reached to discuss one on one the best options for an individual/family’s financial future?
You can reach us by email: SnazzyCreditRepair@gmail.com, by Phone: 504-650-8968 and on Facebook: Snazzy Credit Repair.
By LaCrecia Steward
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