Credit Repair Services
Your credit report impacts many aspects of your life including getting credit, landing a job, renting an apartment and getting cheaper insurance. Unfortunately, millions of Americans have negative, inaccurate and unverifiable information on their credit report. The credit repair services listed here provide you with services such as access to your credit report, monitoring of your credit status or working with the credit bureaus on your behalf.
What we do and why we do it.
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We help improve your credit by working to correct negative items on your credit reports that are causing your credit score to be depressed. Deleting these items is an important step towards improving your credit. We dispute all negative items on your credit reports that you identify as being inaccurate, misleading, or unverifiable. We work through each of your credit reports to resolve all disputes to your satisfaction. We dispute information on your credit reports to the fullest extent possible. We are honest, dedicated, and performance-driven. Our service is designed to offer consumers an affordable and equitable recourse to the increasingly negligent and error-prone practices of creditors, credit bureaus, and their credit reporting processes.
How it works
Upon enrollment you will furnish us with current copies of your credit reports. When we receive your copies we enter them into our electronic case file and use our Dispute Manager to dispute those items which are inaccurate, misleading, or unverifiable. Once the credit bureaus have processed your first round of disputes, they will send you updated copies of your credit reports. Simply forward the updated reports to us and include any other correspondence you receive from them. Whenever we receive your updated reports we document the progress and prepare for the next round of disputes, thus gradually working through the list of negative items.
How long does it take?
On average, clients use our service for nine months before they feel they have achieved their desired results. Cleaning your credit reports may take more or less time depending on various factors such as the number of negative items on your reports, your participation in getting credit reports to us, and the level of credit bureau cooperation.
These are just some of the potential benefits...
Lower interest rates A healthier credit report could mean qualifying for lower interest rates on most loans. Significant savings Long-term savings could prove significant on home loans, car loans, or credit cards once you qualify for lower interest rates. Don't wait 7 - 10 years Questionable negative items on credit reports can be deleted without having to wait 7 - 10 years for them to expire. Flexible financing options Improving your credit standing may translate into flexible financing options, giving you an opportunity to afford privileges previously outside your budget. Lower rates on credit cards Once your credit has improved you may find yourself inundated with credit card applications offering superior rates and benefits. Improve employment qualifications Employers increasingly rely on credit reports to screen job applicants. Your credit should therefore be as healthy and accurate as possible to maintain a competitive advantage. Improve rental qualifications Landlords, too, use credit reports to help evaluate prospective tenants for their rental properties.