In a Nutshell: Incurring high levels of debt can lead to increased stress and decreased credit scores. And maintaining a healthy credit score in today’s world can grant consumers access to auto loans, mortgages, and greater lines of credit. Carreon and Associates empowers consumers to repair their credit themselves. The company has been in business since 1995 and provides a cost-effective, DIY approach for consumers to boost their credit scores. Carreon and Associates members gain access to the company’s DIY Credit Repair Kit and a wide range of articles and other valuable tools and resources to rebuild their credit and get back on solid financial footing.
Life is full of ups and downs, including the financial kind. Unfortunately, those financial dips can lead to people taking on debt that can be hard to escape. And once a person’s debt level becomes a serious financial burden, bills may go unpaid and credit scores begin to drop.
The reasons people fall into debt are abundant. Sure, some folks may use credit cards irresponsibly or make poor financial decisions. But many others end up feeling the weight of debt due to circumstances beyond their control. An unexpected medical expense or costly auto repair can bust budgets and send households into a debt spiral.
And a lot of folks in the U.S. are much closer to falling into serious debt than they may realize. In fact, about 40% of U.S. residents wouldn’t be able to afford an unexpected expense of $400 without incurring debt.
And once someone falls into the grips of debt it can lead to a wide range of problems, and it can seem impossible to escape.
Debt has been shown to lead to emotional stress which can, in turn, cause tension at home and affect relationships. Carrying the burden of debt and the associated stress levels can also lead to physical ailments.
And, of course, maintaining a good credit score is essential in today’s world. Without a respectable score, consumers can be turned down for auto loans, mortgages, and other important life purchases.
Folks whose credit scores are lacking due to debt, irresponsible credit card use, or just simple neglect have a number of avenues they can pursue to turn things around.
Carreon and Associates offers consumers a cost-effective, DIY route to credit repair. We recently spoke with the company’s own credit guru, Kristi Feathers, to learn more.
Filling an Important Space in the Credit Repair Industry
“We created these resources in 1995 because we saw a need for education regarding legally correcting your credit,” according to Carreon and Associates. “There was a lot of misinformation and shady practices to dupe people into paying thousands to fix their credit. In those early days, there was very limited information available and the web was ripe with credit repair scams.”
Feathers said that, as a former finance broker and credit union collection manager, the company’s founding team saw a need to offer a DIY option to people looking to rebuild their credit.
“It was surprising to see just how many people had no idea how to manage their credit, and the education just wasn’t there,” Feathers said. “Hiring law firms that offered no guarantee just didn’t seem like a viable option for the average person. People with credit issues don’t typically have the budget to retain a law firm on a monthly basis for what could take a year or more to correct.”
Members can turn to Carreon and Associates to learn how to use the tools and resources themselves to turn their credit around. And they won’t have to drop big bucks on an ongoing basis — especially since people repairing their credit don’t tend to have much flexibility in their budgets.
“Our service is offered online. There are no ploys to buy more or lead you into a service you don’t need,” according to the company. “We don’t repair your credit for you, and you have total control of your privacy.”
DIY Credit Repair Saves Money and Educates the Consumer Along the Way
Feathers said Carreon and Associates clients come to the company for a wide variety of issues related to their credit scores. But certain issues come up more often than others.
“Collection issues are by far the biggest issue people seek advice on,” Feathers said. “Once an account is sent to a collection agency, there are very specific steps to take to protect yourself.”
Of course, Carreon and Associates provides resources to customers who fall into this category — and many other categories — to help them take the steps necessary to resolve these issues.
Plus, learning about and understanding the ins and outs of the credit world helps customers maintain healthy credit for years to come. Knowledge is power, and these clients will be empowered to help themselves.
“Being able to maintain control of your credit profiles is key. It’s a scary thought to put your credit history in the hands of someone else,” Feathers said. “Plus, once you are educated, you really can do the job yourself while protecting your privacy.”
Take it from Feathers, who has expertise in debt negotiations and improving credit and has been in the credit industry for more than 26 years.
“She’s a former manager of a $200 million dollar credit union where she counseled debtors on a path to financial recovery including dealing with repossessions, foreclosures, and bankruptcy,” according to the company. “She has been a credit expert for the site since 1995 and has written the eBook ‘Credit and Collections Success Strategies,’ which is part of the membership on CarreonandAssociates.com.”
Members Receive Access to Information on a Wide Range of Possible Credit Repair Scenarios
Carreon and Associates DIY credit repair kit provides an effective way and for consumers to save money and turn their credit around.
“When you purchase our DIY credit repair kit, you get exactly what we promise,” according to the company. “Education, ebooks, Ask the Expert, and credit repair letters to help you do the work yourself. You could literally save thousands in interest and credit repair attorney fees. We don’t think you’ll find a better deal for the quality.”
The company’s books, articles, and sample letters have been crafted with years of credit industry experience behind them.
“We’ve tested these methods through the years and offer the best possible legal techniques to help you improve your credit for less,” according to the company.
And Feathers said proof that these educational materials work lies in the company’s customer satisfaction rates.
“The best feedback I could provide you is that a refund request is rare. People truly find our easy-to-understand education helpful. We have members that have been using our site off and on for decades every time they need it.” — Kristi Feathers, Carreon and Associates
Feathers said Carreon and Associates is also working to provide an even more robust member area and completing an update to its DIY member tools.
“We’ve used credit experts, attorney resources, and financial researchers to find the best answers to your problem,” according to the company. “We stand behind our educational material. We are proud to say that after selling our material online since 1995, we have less than a 0.001 return rate. People who are truly looking for quality information see the value immediately.”
Folks looking for valuable educational resources to repair their credit can gain access to the array of information available through Carreon and Associates for a one-time fee of $17.95.