CMA Financial Corporation is a credit services organization registered and bonded
in the State of Texas. Even though we are not a law firm, we are empowered by the
Credit Repair Organizations Act to legally provide advice and assistance to a client
such as you which may help you improve your overall creditworthiness. This usually
results in your developing a credit report that appears more attractive to any future
lender looking to extend credit. Our goal is to both directly and indirectly offer
you a wide array of services that can help you achieve your overall financial goals.
CMA Financial Corporation is prepared to assist you as you work towards improving
your credit profile. We are knowledgeable in many aspects of the credit industry.
We can educate you on the consumer credit reporting industry and how it affects
your access to credit. We can help you identify potentially inaccurate information
on your credit report and how to assist you in correcting the inaccuracies. We can
inform you of the restrictions on information allowed to be reported in your credit
report. There are other areas of expertise that we can help you with such as understanding
the obligations of creditors who furnish information to a credit bureau (consumer
reporting agency) regarding your credit report, disputing certain debts with not
only a creditor but also a credit bureau, interpreting your credit scores, and,
handling privacy issues related to your credit report. We will create a solution
to fit your personal credit goals.
The Consumer Data Industry Association (CDIA) says on its website
http://www.cdiaonline.org/about/cfm that "One billion credit cards are in
use in the United States today. A similar number of consumer credit reports are
issued annually in the United States. Four and a half billion pieces of data are
entered monthly into credit records. Each of the consumer credit reporting systems
— Equifax, Experian, and Trans Union — maintains 200 million credit files, which
are used by independent credit reporting agencies across the United States." With
this type of growth in the credit industry come problems such as incomplete or misleading
data, identity theft, and reduced consumer privacy.
UNDERSTANDING CREDIT INDUSTRY CHALLENGES
Clients like you face more challenges than ever in managing your personal credit
and financial information. Equally challenging is determining who has your credit
information and for what purpose it was obtained. A misinterpretation of your credit
information can negatively affect your creditworthiness and even your employment
status. We can assist you in correcting such misleading information on your credit
report. Your creditworthiness is often judged based on a three-digit score that
is calculated from any accurate, inaccurate, and misleading information in your
credit report it is up to you to ensure this score accurately reflects your current
creditworthiness.
UNDERSTANDING YOUR UNIQUE SITUATION
Your credit report is a file of your portion of the four and a half billion pieces
of data entered monthly into credit records. These pieces of data can be itemized
into categories such as public records, trade lines, and credit inquiries. The more
inaccurate, misleading, unverifiable, or outdated a piece of data in your credit
profile is, the greater the negative affect such data has on your consumer credit
report. A poor credit rating is a liability unique in nature to each client. We
specialize in assisting clients like you in redeveloping a credit report that can
allow you to enjoy the asset a good credit rating provides. A poor credit rating
is not created overnight and neither is the solution to developing a good credit
rating. You must want not to just fix your credit but to become truly more creditworthy.
This is achieved by moving past the financial hardship that may have caused your
credit profile to become unfavorable in the first place, earning a steady salary
that allows all monthly expenses to be paid on time, and changing your spending
habits to achieve the most favorable outcome possible for your credit profile.
UNDERSTANDING YOUR BEST ASSET – YOU
Credit affects everyday things in your life that you may not even realize. Imagine
being judged by your credit report by not only your landlord or mortgage company,
but also your automobile lender, utility service provider, insurance underwriter,
cell phone company, and even your employer! We firmly believe that the most powerful
asset any person possesses is knowledge and you will be given the personal service
throughout the credit restoration process to assist you in becoming more creditworthy.
We allow you to understand the credit system and the various ways the credit system
may be interpreted so you can not only achieve, but also maintain the creditworthiness
that CMA will help you earn.