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Law Enforcement Credit Repair – The New Norm

Law Enforcement Credit Repair

The New Norm – Law Enforcement Credit Repair

This country can be described as the “land of the free and home of the brave” because of the honorable men and women who dedicate their lives for this country and selflessly invest the entirety of themselves to their law enforcement team. In fact, the men and women of this country have continuously created new levels of freedom and demonstrated bravery because of its growth, acceptance, and overall unwavering efforts of the law enforcement community. Words such as intelligence, boldness, resourcefulness, strength, and dedication immediately come to mind when thinking of the many professionals who make up this community. Sadly, there are two relatively new words, which are shocking many of these outstanding men and women and eliminating some of the most determined minds. Those devastating words are “credit history.”

The year it all began (1989):

Around 1950 credit cards started working their way into society and by 1989 the first ever credit score was implemented. Over the last couple of decades the credit card, credit score, and average debt accumulated per person have all merged to coin the word “creditworthiness.” Virtually every job, especially those involving serious responsibilities, such as protecting fellow citizens, came down to a matter of creditworthiness, which indeed revolves around analyzing the two previously mentioned words: credit history. Putting the importance of establishing and maintaining an excellent credit history into perspective is rather difficult, but the following list of law enforcement jobs that are for the most part contingent upon a good credit history should do the trick:
  • Police Officers
  • Detectives & Investigators
  • Deputy US Marshals
  • Sheriff’s Deputies
  • State Troopers & Highway Patrol
  • Customs/Border Protection Officers (Border Patrol Agents)
  • Special Agents (Diplomatic Security, Secret Service, FBI, DEA, and ATF)

“Why don’t they understand?” – “Times are tough!”

As previously mentioned, a good credit history is required to become a member of the law enforcement community. The possible questions that millions of these patriots may ask once this becomes apparent are either “Why don’t they understand?” or just plain “Why?” Well, dwelling on this topic too much can be extremely frustrating for everyone, especially to those who put dedication and commitment to their country. The question of “Why?” can be addressed by looking at the three important character traits that are supposed to be apparent from looking at a person’s credit history. According to the federal government, your credit history is used to evaluate risk, trustworthiness, and reliability because it touches upon outstanding debts that could lead to theft, character flaws, and dependability. The second question is where things get interesting.

Answering the question that concerns the financial problems the average person faces boils down to the fact that a law enforcement agent is supposed to be within the top 10% concerning virtually all matters. So in other words, a potential law enforcement agent or even the one’s active in duty should not succumb to the common debt-oriented problems that are expressed by the majority of the population. That’s roughly around $266,000 in debt per household. Remember, everyone makes mistakes, but the people who learn from their mistakes and act accordingly are the ones that stick out in the law enforcement community.

Once the reality of the credit history sets in, the question becomes “how can the history be corrected?” Well, there is no need to tell an aspiring law enforcer about hard work, so all the talk about managing expenses, separating wants from needs, and finding other sources of income are for the most part a waste of time. The problem is the past due payments, loans, and derogatory marks that are left sitting on the credit profile. Removing these requires hard work, patience, and the brilliance of “pay after deletion.” Employing all of those tactics is what allows a healthy credit history to begin forming. However, the most important thing is that the revised credit profile will help avoid automatic disqualification standards concerning credit history. Remember, there is nothing wrong with law enforcement credit repair, especially when it helps a real patriot into the community that is determined to make the country better each and every day.

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