CONSUMER ADVOCACY CREDIT RESTORATION
Here at your850, we know that it takes more than inundating the credit reporting agencies with letters to accurately, correctly and permanently clean inaccurate items reported on your consumer credit report. We have a team of credit professionals who have been in the collection and credit industry for over 30 years who have created a process using the Consumer Credit Code to help consumers fight back against the credit reporting agencies, debt collectors, and creditors.
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Joey ScharfConsumer Advocate & Product Strategist
I come from a background and belief that people should stand up and defend those in need and those who have been wronged. I also am a believer that God puts you where He wants you. I believe it is these two things that brought me to where I am at today.
After several years of being a third-party debt collector, and violating the laws under the Fair Debt Collection Practices Act against consumers, I decided to take the other side and work on behalf of consumers instead of against them.
I became a consumer advocate for people who were being inundated by collection agencies collecting debt that was illegitimate, past the statute of limitation, or in question in some way. I fought for those who were dealing with their banks or credit card companies.
Today, I am working with your850 to advocate for consumers who have nowhere else to turn or do not have thousands of dollars to pay an attorney. your850 is a credit repair company like no other. We do not work by overwhelming the credit reporting agencies hoping an account falls off as this is only temporary, and the debt is always still due. We do more than just send a cease and desist letter to the collection agencies. I am proud to say we thoroughly work the account in question. We are not done with our customers credit until we receive letters from the creditors themselves.
In short, yes; we do credit repair. However; it is credit repair to a much deeper level.
I love what I do. I love the ability to help consumers have a second chance in life. To be able to give them the chance of the American dream and buy a house. Or purchase a car with a lower interest rate thereby lowering their monthly payments and putting the extra money back into the consumer’s pocket.
I believe that bad things happen to good people. I also believe that it is my past that brought be here today to work and help make a difference – one consumer at a time.