You see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get calls from telemarketers offering credit repair services. They all make the same claims:

OKAY.  IT IS APRIL.  TIME FOR THE TURNAROUND IN THE U.S. HOUSING MARKET.  THE WHITE HOUSE AND CONGRESS DID THEIR PART IN MAKING THIS HAPPEN.  LONG OVERDUE CHANGES WERE MADE IN LAWS AFFECTING THE FHA AND FANNIE MAE.  A GOOD NUMBER OF SUBPRIME JUMBO LOANS WERE WRITTEN IN THE PREVIOUS THREE YEARS SIMPLY BECAUSE HOME […]