Dispelling the Rate Myth and Fear

Anyone who is concerned about the raising rate environment has valid concerns.
Concern should be addressed logically and reinforced with FACTS and not hyper
speculation.  Knowing that rates do rise and fall as economic climates dictate we
make ALL necessary and prudent decisions based on historical fact and reasonable
postulations.  Provided are two links to historical prime rate performance.  These and
many other sites illustrate how rate has risen and fallen over the years.  This information
proves and reinforces how rate never leaped in a manner that could support hyper
belief of detrimental rate increases.  We know no one has a crystal ball and determining
what can or will happen in the future is near impossible.  Based on historical fact and
reasonable future conditions, contemporary knowledge and skill, determining
a reasonable rate change can be excercised, reviewed and tested.

Google Search:    Click here or conduct your own search.  History of Prime Rate

Links we like:
http://research.stlouisfed.org/fred2/data/PRIME.txt
http://www.moneycafe.com/library/primerate.htm

It is very interesting to note that when Truth In Equity began, prime rate was at 8.25%. 
Even when rates were at that level, customers (see testimonials) were getting out of their
conventional 5% and sometimes lower, conventional loans.  This is because it still made
mathematical sense.  The Equity Advantage theory and practice is not "RATE and PAYMENT"
oriented because "TERM" of repayment is the operative principles in play.

Credit Reports

This is our suggested site for obtaining a credit report.  This service provides credit scores
from all three agencies.  Experian, Equifax and Trans Union.  It is important to know all three. 
If your scores vary greatly there is potential issues you must attend to.  Typically scores
should be with in 3 to 7 or so points.  For Example If your Equifax score is 760 your
Experian and Trans Union scores should be the same or very close.  Where there
is great differences our experience tells us your credit report has many errors that
should be addressed.  This recommended service for obtaining a comprehensive report
not only provides scores but also provides details about what is on your report.  It is
important to know what is on your report because we have found many who have scores
under 700 can improve their scores by 30 or more points by simply removing errors,
inappropriate or unathorized inquiries, bad addresses, alias names and many other
simple errors.  Additional services offered by this source is "Privacy Assist".  You will
receive updates regarding any and all activity on your report.  It is vitally important to stay
abreast of your credit report activity.  Privacy and security is essential in managing
your credit.  The identity protection feature offered with this service is the best we've seen.

Go here for more information on the "Privacy Assist" and "Credit Report" service.   Click Here

Credit Repair

We've reviewed hundreds of credit repair, restoration and counseling services.
We recommend a "Do It Yourself" service for credit repair.  This service is the
best we've exprerienced.  Only YOU can fix your credit.  Paying someone else
generally costs too much and YOU end up having to do all the heavy lifting anyway. 
Go here for a comprehensive, inexpensive, self managed system for repairing your
credit.  CLICK HERE.

Credit Counseling

Not to be confused with CREDIT REPAIR.   CLICK HERE