You have found the right website. Within these pages is an abundance of knowledge about the world of credit repair. If you need to get approved for a loan, fix bad credit, or just want to improve your credit score, then you have come to the right place. I hope that after reviewing some of these pages that you will entrust us with the task fixing your credit.

New York Court websites:

New York Statutes of Limitations:

N. Y. Civil Practice Law and Rules: Chapter Eight of the Consolidated Laws, Article 2 – Limitations of Time:

211. Actions to be commenced within twenty years. (a) On a bond. (b) On a money judgment. (c) By state for real property. (d) By grantee of state for real property. (e) For support, alimony or maintenance.

212. Actions to be commenced within ten years. (a) Possession necessary to recover real property. (b) Annulment of letters patent. (c) To redeem from a mortgage.

213. Actions to be commenced within six years: where not otherwise provided for; on contract; on sealed instrument; on bond or note, and mortgage upon real property; by state based on misappropriation of public property; based on mistake; by corporation against director, officer or stockholder; based on fraud.

213-a. Actions to be commenced within four years; residential rent overcharge.

213-b. Action by a victim of a criminal offense.

214. Actions to be commenced within three years: for non- payment of money collected on execution; for penalty created by statute; to recover chattel; for injury to property; for personal injury; for malpractice other than medical or dental malpractice; to annul a marriage on the ground of fraud.

UCC, Section 2–725. Statute of Limitations in Contracts for Sale. (1) An action for breach of any contract for sale must be commenced within four years after the cause of action has accrued. By the original agreement the parties may reduce the period of limitation to not less than one year but may not extend it. (2) A cause of action accrues when the breach occurs, regardless of the aggrieved party`s lack of knowledge of the breach. Contract for lease of goods: 4 years (N. Y. U.C.C. 2-A-506(1).

S 203. Method of computing periods of limitation generally. (a) Accrual of cause of action and interposition of claim. The time within which an action must be commenced, except as otherwise expressly prescribed, shall be computed from the time the cause of action accrued to the time the claim is interposed.

Choosing a Credit Repair Company

It is hard to choose a credit repair company.  Credit repair is a service and not a product.  If you are buying a product – you want to shop for the lowest price.  For instance – if you are buying a car or a phone, then by all means shop for the lowest price.  What you are buying is a product.  What you will get is that same product made in the same factory regardless of how much you pay for it.  It’s not the same with credit repair.  Credit Repair is a service.  Different companies may give you different services or different levels of service.  Let me give you an example of a service purchase.  Your doctor is one such example.  When you choose your doctor – was your first question, “How much is an office visit”?  The answer I am sure is no.  You may have wanted to know about his or her background, schooling, or  experience.  Price was probably a concern but certainly not the only factor.  Another good example is auto insurance.  Auto insurance is what I call a half product and half service.  The product part is that you can get identical policies from different carriers.  The coverage itself can be identical, the part that is service oriented is the claims process should you have a claim.

So what type of questions should you be asking when you interview a credit repair company?  First, ask if they do certified mail.  Ask if they will be writing to your creditors directly or just to the credit bureaus.  Ask if those letters will be certified mail.  Ask if those creditor letters will be coming from you or if they will intervene on your behalf as a third party.  Ask if you have a tracking system where you can view your results.  Ask what actions you will be required to perform during the process.  Ask them about what results are typical with their credit repair company.

Be an educated consumer.  Look for how long a credit repair company has been in business.  Check their rating with the Better Business Bureau.  Look for testimonials and samples of their work.  Above all else:  call and interview them.  See if they are knowledgeable when you speak with them.  Do you feel comfortable with them?  Do you trust them?

Remember, your road to better credit and financial freedom will start with one step.  Make that first step today – pick up the phone and start interviewing companies!