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Life Designers LLC – What You Need to Know About Them

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Life Designers - credit repair company

Life Designers LLC is a financial consulting firm that assists clients with planning their lives and future business decisions. Wes Moussignac is the founder of this company and has been guiding its strategic philosophy for many years. Their approach is simple – provide their loyal customers with the necessary tools and strategies to make informed financial decisions. These decisions should be cognizant of risks, budgetary constraints and other crucial factors, regardless of whether it is a commercial or recreational setting.

If you think your financial outlook needs to change, then you should certainly check out what Life Designers LLC offers and how they can help you out.

Where it all began

Wes Moussignac is an established entrepreneur who started Life Designers LLC. He wanted to be able to provide customers with affordable loans with low-interest rates. He saw that many customers were simply unable to make the repayments on their investment and were subsequently getting caught in a vicious debt cycle.

Why you should consider Life Designers LLC

There are many obvious and excellent reasons why you should consider Life Designers LLC. According to Wes, here are some of the most common benefits of using their services.

Get yourself out a black hole

If you are currently drowning in debt or struggling to make ends meet, then you should consider reaching out to Wes and the team at Life Designers LLC. They’ll organised an initial consultation with you to pinpoint some of the key problems you face and how to go about solving them. This is why life Designers LLC cater to households and individuals who are reliant on credit, incurring long-term debt and stress.

You’re in a financial dispute

Another crucial reason to get in touch with Life Designers LLC is if you are in a financial dispute. Most of the large commercial banks and institutions won’t provide the support you need to settle an ongoing financial dispute (especially if it is of little value to them). Fortunately, Wes and his team offer services that are specifically tailored to helping people resolve both short and long-term financial disputes, no matter how complex it is.

You need to break bad habits

Millions and millions of people across the world have been born into households underscored by poor financial habits. If you believe you have a problem with managing your finances, then your best bet is to hand over your autonomy to a consultancy firm like Life Designers LLC for a short period. This way, they can assess your situation, identify which purchases or financial decisions are exacerbating your current plight and, from this, design effective credit repair strategies. Breaking bad financial habits can be incredibly tricky since addiction to credit can be like any other addiction.

It’s a long-term investment

If you need help from Life Designers LLC, Wes and his team will always be there to help. They won’t merely provide advice, take their cut and run (like other financial companies). They are deeply invested in their clients and want to ensure that you are well and truly back on your feet.

Get in touch with Life Designers LLC at https://www.lifedesignersllc.com

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Credit Repair Companies

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Reader Advisory: The National Trade Association we belong to has purchased the below classifieds. Determining the value of their service or product is advised by this publication. In order to avoid misunderstandings, some advertisers do not offer employment but rather supply the readers with manuals, directories and other materials designed to help their clients establish mail order selling and other businesses at home. Under NO circumstance should you send any money in advance or give the client your checking, license ID, or credit card numbers. Also beware of ads that claim to guarantee loans regardless of credit and note that if a credit repair company does business only over the phone it is illegal to request any money before delivering its service. All funds are based in US dollars. Toll free numbers may or may not reach Canada.

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Credit Repair Companies

Tips to avoid being defrauded by credit repair companies – Latest News, Breaking News, Top News Headlines

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In relation to the economic crises that have occurred in recent years, it is possible that your credit debts are increasing day by day, due to the use of credit cards, delays in paying mortgages, job losses, business closings , reduction of salaries among others. Reason why you could make the decision to go to a credit repair company thinking that they could support you with your credits. But before you could choose to request the advice of this type of companies, here are some tips to avoid being defrauded, according to what has been published by the National Commission for the Protection and Defense of Users of Financial Services (Condusef).

Tips to avoid being defrauded by credit repair companies

Although you could be anxious to pay your debts, you should be careful, because just as there are credit repairers that are known, there are others that only engage in fraud.

1.- Stay alert

There are no credit repairers that request cash or that you transfer it by deposit to a personal bank account. If you are presented with this type of situation, it is likely that they will try to carry out a fraud, so it is convenient that you could look for other options.

Tips to avoid being defrauded by credit repair companies. Photo: My Pocket.

2.- Do not sign any type of document without having read

If you have in mind to sign a contract with the credit repair company, first read this document in detail and verify what the conditions and deadlines are, and check what penalties are applied in case of delay or abandonment of the program. If you are not 100% convinced, do not sign it.

3.- Repair companies do not clean your credit history

In the event that the credit repair company you go to tells you that it could clean up your credit history, it is probably not true, so your credit history will be negative and in the future it could be difficult for you to obtain a new credit. It is also important to mention that no repair company could erase you from the credit bureau, even if they ask for money, since no person or institution can carry out this procedure.

4.- Look for valid options to negotiate your credit

There are other organizations that you could go to to negotiate or settle your debts, such as your financial institution, where you could agree on a fixed payment plan or, failing that, restructure the credit and also you could not be presented with fraudulent situations, which could lead to affect your personal finances.

It should be mentioned that credit repairers are companies that perform the function of intermediaries between the debtor and the financial institution to which it could be owed and their purpose is to offer the person who has the debt, a kind of negotiation with the banking institution through options for credit settlement. It also tries to reduce the amount through discounts and modify the credit history in the credit bureau.

According to information published by the Condusef, there is currently no legal framework that regulates the operations of credit repair companies, which means that these companies operate independently and independently, for this reason some people may go with repair companies who are not accredited, existing the probability that they are victims of fraud, and in the event that this happens, the Condusef does not have the faculties to offer them support.

More content about loans and personal finances, in our Credits section.



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Credit Repair Companies

7 Ways to Identify a Credit Repair Scam

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Unfortunately, there are people out there always trying to take advantage of anyone that they can. Whether it is a spam call, phishing email, or even a guy on the street trying to take your money, these scammers are everywhere. Credit repair scams are predicated on taking advantage of already desperate people. People who need their credit fixed in order to get a car or home loan will often look for anyone that can help. While there are a lot of legitimate places that can help, there are also hacks that will take your hard-earned money and not do a thing to help you out. We want to help you avoid these scams, so here are 7 ways to identify and avoid a credit repair scam.

1. Look at the documents you are given

If you are entering into a contract with a credit repair company and they do not give you a document called “Consumer Credit File Rights Under State and Federal Law,” then they are breaking the law. They may not be scamming you, but they are knowingly withholding the information that you have the legal right to carry out any actions on your own to repair your credit that they are also going to do. That is a red flag.

2. Read through the contract

Check to see if there is anything in the contract that stands out as unusual and feel free to ask them, search the internet, etc. about it. In addition, make sure how much you are paying and what actions they will perform on your behalf are spelled out in great detail in the contract. You want to be sure to have a legally binding document that ensures that you are actually getting what you pay for. In addition, make sure the contract is very specific and includes your name and the name of the company you are working with. Finally, ask to see if there is a clause that allows you at least 3 days to decide to cancel.

3. Request an unsigned copy beforehand

You should not have to sign the contract to review it first, so before you even decide to sign it, make sure that you have a copy that you can read through and keep. Then check for the information we have listed in the point above.

4. Look out for the fees

Credit repair agencies are not allowed to charge you any upfront fees by law. Some companies do because they are not aware of this law, but it is still a red flag that you should pay attention to. This combined with not getting a contract may be a very strong sign that you are about to get scammed. Usually, scammers will try to take your money and run with as little proof as possible, which is why upfront fees can be a sign that there is something amiss.

5. The company promises too much

We all want credit repair strategies to work, but there are just some things that credit repair agencies just cannot fix due to their nature. One of these is legitimate debt where the lender has plenty of evidence that the debt is valid. If a company promises to get you out of legitimate debts, they are either scamming you are doing something shady and illegal to get you results. Either way, if a company promises that you will see any type of results or score change, then it is a good idea to avoid them because you can be almost certain that they are breaking the law one way or another.

6. They ask you to create a new identity

As mentioned in the last point, some companies try to do illegal things in order to get you the result that you want. One of these is trying to claim identity theft and to get you to register for a new SSN or EIN. While these companies may not be scams, the results they get will be predicated on major felonies and should definitely be avoided like the plague. Do not give these companies your business and make sure to report them.

7. They ask you to waive your rights

If you are given a document to waive any of your rights, that is a major red flag. Credit repair does not require you to waive any of your rights. Luckily most of them, such as your rights under the CORA, cannot actually be waived, regardless of anything you sign. Usually, companies that engage in these practices will try to take your money and then pressure you and tell you that you have no recourse in getting your money back and they will never deliver any services.

Can you trust any credit repair companies?

Absolutely! While there are people in this world always trying to take advantage of you, there are also legitimate businesses that care about you as a person and as a customer. These companies will be transparent about their services, fees, and your rights throughout the entire process and will not try to pressure you with any aggressive sales tactics. The best agencies for credit repair will not engage in any of the red flags covered in this article, so if you do not see anything on this list in an agency that you are contracting, you can likely rest easy.

If you are interested in finding legitimate credit repair services, we recommend the Best Credit Repair Companies.

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