IS CREDIT REPAIR LEGAL?
The Fair Credit Reporting Act gives you the right to dispute any misrepresentation on your credit reports. Consumer reporting agencies are required to correct or delete inaccurate, incomplete or unverifiable information within 30 days of dispute.
WHEN WILL I SEE RESULTS?
Our clients usually see results within 45 days but the credit bureaus have 30 days to process disputes. The repair process can typically take 3-6 months depending on the number of items we need to dispute.
CAN ITEMS REAPPEAR ON MY REPORT?
Yes they can. Negative accounts that have been deleted may later reappear if verified by a creditor. According to the Fair Credit Reporting Act the credit bureau must inform you before they re-report a previously deleted listing. The Fair Credit Reporting Act does make it hard to re-report listings, because of this it is very rare for this to occur. If this situation does ever occur we will help you challenge the listing within legal means.
WHAT IS MY CREDIT SCORE BASED ON?
35%— Record of both timely and untimely payments.
30%—The amounts and types of outstanding debt.
15%—The time since an account has been opened.
10%—Number of recently opened accounts and recent inquiries.
10%—Number and types of accounts such as credit cards, retail, etc.
The Fair Credit Reporting Act gives you the right to dispute any misrepresentation on your credit reports. Consumer reporting agencies are required to correct or delete inaccurate, incomplete or unverifiable information within 30 days of dispute.
WHEN WILL I SEE RESULTS?
Our clients usually see results within 45 days but the credit bureaus have 30 days to process disputes. The repair process can typically take 3-6 months depending on the number of items we need to dispute.
CAN ITEMS REAPPEAR ON MY REPORT?
Yes they can. Negative accounts that have been deleted may later reappear if verified by a creditor. According to the Fair Credit Reporting Act the credit bureau must inform you before they re-report a previously deleted listing. The Fair Credit Reporting Act does make it hard to re-report listings, because of this it is very rare for this to occur. If this situation does ever occur we will help you challenge the listing within legal means.
WHAT IS MY CREDIT SCORE BASED ON?
35%— Record of both timely and untimely payments.
30%—The amounts and types of outstanding debt.
15%—The time since an account has been opened.
10%—Number of recently opened accounts and recent inquiries.
10%—Number and types of accounts such as credit cards, retail, etc.
Having great credit is more important than ever.
But why work with us?
- We offer a 100% Money Back Guarantee.
- We are a company with integrity.
- We are very experienced with consumer, business and mortgage credit.
- We will be intimately involved with your credit repair experience.
- We will be there for you every step of the way.
- Credit education and correction is legal and the law is on your side. We help and guide you from start to finish and we prepare all of the documentation for the various credit agencies.
- Our fees are reasonable and there are NO long binding contracts. We help you to work with your files until it is done.
Services include:
Personalized Dispute Options to Fit Your Exact Credit Repair Needs.
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An Experienced Case Analyst and Case Advisor Working Personally With You throughout The Proces
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Custom Dispute Letters Submitted On Your Behalf.
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Access to Your Case Status and Updated Information - 24 Hours A Day / 7 Days A Week.
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We have an excellent track record in helping client's to improve their credit scores:
If you have a better credit score you could potentially have a better interest rate. Just an increase of 20 point in your credit score can mean a difference of tens of thousands of dollars in interest saved on an average priced home and hundreds of dollars of interest saved on car payments and credit cards. We have a proven track record of helping clients to raise credit scores quickly and effectively to give you better purchasing power.
Average Client's Credit Score Increase in 6 months:
80-150points
Average Score Increase in 35 days:
10 points or more 93%
20 points or more 71%
50 points or more 25%
100 points or more 15%
20 points or more 71%
50 points or more 25%
100 points or more 15%
Average Score Increase in 90 days:
10 points or more 97%
20 points or more 82%
50 points or more 40%
100 points or more 25%
20 points or more 82%
50 points or more 40%
100 points or more 25%