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3 (Almost) Impossible Credit Repairs Written By: Edward Jamison, Esq., founding attorney of the consumer credit law firm Jamison Law Group and also the creator of the one-of-a-kind web-based solutions for mortgage brokers called the Credit Reporting Paradigm. For more information about his products, visit www.LoanOfficerTraining.com or visit his website at www.EdwardJamison.com. Don't let anyone tell you that credit repair is effective every time, because it's success varies with the number of players in the game, some of whom never perform consistently. Even if you were a true master of credit repair, you have to take into account that sometimes the other players perform in a way that throws you off your game. Take Shaquille O'Neal for example. Although he has the ability to win every game for his team, there are going to be times when the other side has a formation that takes him outside of his normal game and causes his results to be less than optimal. Given that fact, you still cannot predict with any degree of certainty whether or not he will perform well or poorly the next time he faces the same team. Credit repair is similar. Sometimes the opposing side shows up strong; other times they don't. Human error is always a factor at some level, and, even if you follow the same approach with every situation that arises when doing credit repair, your results will still vary due to the other players involved. So the next time someone tells you they can get everything repaired on your credit, run the other way, because, at best, the pendulum will swing widely both ways for the same situation. Credit repair limitations occur (almost 100% of the time) under the following situations. These situations make it nearly impossible for credit repair to help someone needing results within six months to a year. Please keep in mind, though, that even when a client can't be helped in the short term, the advice that can be given now, if coming from a professional, can prevent them from making a mistake in the near future that may worsen their situation. Here are examples of situations where not much can be done within a six-to-twelve month period. Written By: Edward Jamison

Fair Isaac's Credit Scoring Change Will Affect Millions...Some Good...Some Bad! Written By: Edward Jamison, is the creator of Credit CRM, a complete business opportunity designed to make a loan officer a true credit expert that can bring credit repair in-house in order to generate a second source of income through credit repair, or to use as a value ad to accomplish the task of increasing their subprime client's credit scores an average of 50 points in 90 days in order to get the loan approved. Credit CRM comes complete with over 20 hours of credit and system training, bi-weekly coaching sessions, unlimited support and a custom credit themed website. Get info at www.CreditCRM.com September, 2007! Credit scoring (as you know it) is going to change BIG TIME. Fair Isaac is updating their software to eliminate the "Authorized User" loophole that allowed people to piggy-back with someone who had good credit and increase their credit score 100 points in less than 30 days. Fair Isaac estimates that there are 165 million "authorized users" and it will have a serious impact on credit scores when authorized users are virtually eliminated from the credit-scoring model. Ed Jamison, Attorney and Credit Scoring Expert, shares his White Paper with subscribers (which can be downloaded as a pdf and printed). Listen to an audio interview with some tips on what you can do NOW to help increase your client's credit scores. Fair Isaac's Credit Scoring Change Will Affect MILLIONS. Some Good, Some Bad! They call it the authorized user trick; or at least I did. I have been forecasting for quite some time that Fair Isaac would eventually fix their software and eliminate the loophole that allows someone to quickly increase their credit score by having someone with a seasoned credit card, add that person to their credit card as an authorized user. Here's how it works: Written By: Edward Jamison