Debt Free with Pay for Deletion

pay-for-delete-independent-womanpay-for-delete-credit-cardWhen our country declared freedom from tyranny and oppression it was the first step for the birth of a new nation. Backed by the blueprint in the form of the Constitution the newly created home of the brave set forth ideas that still thrive after more than two centuries. Life, liberty and the pursuit of happiness are all rights, but even today many obstacles try and interrupt the mission to achieve harmony. Low credit scores and the imprisonment from borrowing remains a primary culprit in the war for consumer independence.

Freedom and liberty seldom come without a cover charge. Lives have been sacrificed to make this great country the beacon of hope and justice for the world and those fallen shall never be forgotten. Is it asking too much in this great land for people to get what they pay for from time to time?

Reward without Risk?

What if there was only one small risk-free area of life which could be controlled without taking chances? In a world dominated by the equation that balances risk versus return would it be refreshing if the “taking chances” part were eliminated? These answers which tend to reintroduce the words “no” to “brainer” provide something simple in an otherwise complex and “choppy” ocean of decisions. Informed Americans are now finding their freedom by paying after deletion for items removed from their credit files.

Consumers trapped by the math of paying each month for credit repair plans that promised to deliver often found the experience to be a mix of donation and frustration. After multiple monthly installments and an always changing “fairly tale” list of future “happily ever after” results nothing changed except the checking account balance. Even though the object of the mission was to eliminate unwanted items from the credit bureaus many times the deletion was limited to the cash on hand of the customer. The concept of paying only for the successful removal of unwanted items on credit files starting making sense to more clients, and the word “after” was the only guaranteed option for affordability.

Personal Shoppers

Consumers who were signing up for credit repair “platinum” or “VIP” plans had a tendency to feel satisfied for about six months until the “effect” wore off, and the darkness of reality left them wondering what was fixed. It was similar to a personal shopper asking for a credit card and a list of items needed from the store. What if the shopper, who was completely unknown, decided to see a movie, grab dinner, and rack up a $100 a month for several months? What if they only sent occasional emails promising to make it to the store?

With paying after deletion, the process is exactly like hiring a bad credit item bounty hunter. In the movies does anyone ever pay the bounty hunter before they bring the bad guys to the sheriff? Does that concept even make sense? Scripts with scenes where the Marshall continues to make payments, and some cowboy rides around on his horse taking in the charming surroundings are the ones that never get accepted. After ten minutes of the camera focusing in on the lawman, writing checks the audience would feel exactly like they had signed up for a credit repair scheme with no results.

Making a Move

Making a move for credit repair can be much simpler than making a movie. People who live by the motto of expecting to get what they pay for clearly do not want to wait months or a year while they throw good money after bad until wrapping the final scene. Paying after deletion is the equivalent of only swiping a credit card for a ticket on the way out of the theater if the movie was worth the price of admission. For those who appreciate a happy ending – “that’s a wrap.”

Many confuse this as pay for deletion. Pay for delete is a outdated tactic that requires you to make a deal with a lender who is reporting bad info on your report. The idea is that you will pay the debt in exchange for a deletion. In the real world however lenders will not agree to do this. The reason they don’t do it is that they have a contract with the credit bureaus that strictly forbid this practice. The pay for deletion strategy is mostly wishful thinking.

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