As you know, we really enjoy bragging on our members and fantastic staff at HOPE.  When our members and staff work hard and follow HOPE’s customized credit restoration plan - great things happen!  Here’s another example of a new HOPE graduate’s success:

John joined HOPE a few months ago because he needed to purchase a vehicle.  His scores were too low at the time to qualify for a loan with a bank or finance company.  He had some outstanding collection accounts on his credit that were causing him to be turned down for the financing he needed as well.

After joining HOPE and being a member for just 3 short months John NOW is proud to have a completely clean credit report!  HOPE was even able to help John negotiate his debt for less than half of what he owed to his creditors.  Plus, John has qualified for and purchased a brand new car!  Needless to say, he couldn’t be happier.  Congratulations to John and our HOPE staff of credit experts on this great turn around.

Feel free to share John’s story with your friends, family, and social media friends by clicking one of the easy to use “share” buttons below.  Any credit situation can be turned around with the proper guidance and little bit of work.  You never know who might need a little bit of “HOPE” today!

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The question that you are faced with when deciding to work towards a healthier credit report is, “should I try to fix my credit report on my own or should I get some professional help?”  First of all, please allow us to give you a big congratulations! The first step towards achieving clean credit is the decision to try.  You have already made the most important step!  Now, it’s time to figure out the logistics.

You should know that it is 100% legal for you to work on your credit report alone, with no professional assistance.  If you come across a “credit repair” company that does not inform you of this fact, be sure to run the other way as fast as you can!  ”Credit repair” has a very bad name, for a good reason.  There is a ton of scam within the “credit repair” industry.

However, just because you can work on your credit report alone does not necessarily mean that you should.   Remember, it is your legal right to represent yourself in a court of law but most people would rather have an attorney in their corner, especially if faced with a serious charge.  Another example that comes to mind, in light of the recent series of storms in the southeast, is that you legally have the right to replace your own roof if it was damaged by the elements.  Unfortunately, if you are not professionally trained and do not have experience in the roofing business then you will probably just make a bigger mess of things if you try to work on the project alone.  The same is true of credit restoration.  Do-it-yourself credit repair is often a disaster.  In the 10+ years since HOPE has been in business we have seen many people actually make their credit scores worse rather than better by trying to clean up their credit alone, without an experienced professional to guide them.

HOPE has designed a unique, one of a kind, credit education program to help our members achieve healthier credit and to learn how to maintain that healthy credit for a lifetime!  Active HOPE members receive the following benefits for no additional fees:  personalized budgeting assistance, negotiations with creditors, individual credit report analysis, and much, much more! Over 80 HOPE members have graduated our program with credit scores healthy enough to buy a home in the last 4 months alone!

We would love to invite you to schedule a personal credit analysis appointment with us (in person or over the phone) today to see what it will take for you to achieve the healthy credit you desire to have.  Analysis appointments are completely pressure-free and there is NO obligation to join the HOPE Program after speaking with a HOPE Credit Specialist.  Please give us a call today at 704-499-9696 to reserve a time for your one on one credit analysis.  We would love to hear from you!

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At HOPE we love to brag on our members and staff by sharing some of their awesome success stories.  This week we have another new member, Lisa, who has received some great news.  Lisa joined HOPE around 3 months ago with an Experian credit score of 584.  As of April 2011 her Experian score has jumped all the way up to 654! That’s a 70 point increase in just 3 months! Wow!

Not only has Lisa’s score increased, but her credit report is getting cleaner by the day as well.  Lisa has already had 8 negative collection accounts removed from her credit report and HOPE is now helping her to negotiate the remaining negative accounts on her credit report. We know that she will achieve healthy, “loan ready” credit very soon and are so happy to see the hard work of our caring staff pay off!

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Today we received an email from a lender letting us know some exciting news about a HOPE member:

“I have the credit pulled.  You now have a 683 Mid Score.  That is great!!  Awesome job HOPE.  This is a success story.  Ya’ll are ready to buy.”
~K.M.

The HOPE member’s credit score has risen from 620 to 683! That’s an increase of 58 points since joining the HOPE program a mere 52 days ago! We are so proud of our staff and HOPE members for all of their hard work.  This is just another example of how healthy credit is achievable for anyone who is willing to try.  In fact, over 80 HOPE graduates in the past 4 months have achieved credit scores healthy enough to purchase a home! So what are you waiting for?  Call us at 704-499-9696 today to schedule your NO-OBLIGATION credit analysis and find out how healthier credit could be just around the corner!

We received some exciting news from a lender this week about a member of the HOPE Program:

“A client who started with a 550 mid score now has a 650 mid score!!! Thanks Hope USA…I appreciate all that you do.”
~S.W.

At HOPE our goal is to help our members realize their goal of homeownership and healthy credit as quickly as possible.  Since HOPE is a credit education program, not a credit repair company, we have the ability and freedom to focus on helping our clients complete our program fast.  HOPE will never try to stretch out your membership longer than necessary in order to collect additional fees.  Our goal for 10+ years has always been to help our clients graduate with healthier credit as quickly as possible so that they will be very satisfied and will be able to refer others to us in the future.  This helps HOPE to see even more graduates complete our program with credit scores ready to purchase a home! In fact, HOPE has had over 80 graduates in the past 4 months!! That’s the HOPE difference!

For more information on the services provided by HOPE please call 704-499-9696.

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