Our mission is to improve the credit score of our clients towards a better financial future. Our mission is to improve the credit of our clients towards a better financial future. It’s easier than you think to clean up your credit.
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Our expert analysts will review your credit report item by item to ensure that we can help you get your credit score higher!
Next we set a goal for your credit repair so we can clear up your credits issues in a timely manner.
You get to sit back and enjoy the results! We will be hard at work with credit bureaus to help increase your score.
Your credit rating impacts you in more ways than you know and will affect your lifestyle. Our process helps remove inaccurate and unverifiable information from our client’s credit reports, giving them the chance to find their financial freedom.
You have to have good credit to get better credit. Our expertise can help you turn your credit around. The more best practices you know, the better you’ll be able to rebuild your credit prole now and manage your credit and nances in the future.
You’re not alone. That’s a huge part of what makes us different. Our ongoing credit consultation service helps you ensure that you’re making the best choices. We want you to know that you can count on the information we provide.
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.
Our clients usually start to see results within 90 days but the credit bureaus have 45 days to process disputes. The repair process can typically take 6 months to 1 year depending on the number of items we need to dispute.
Credit monitoring is the process of periodically reviewing your credit reports for accuracy. Credit monitoring helps protect you against identity theft and monitoring any changes and/or inquiries made to your credit file. You will need it throughout the program click here: https://www.myscoreiq.com/get-fico-preferred.aspx?offercode=432123E2
The credit bureaus, Experian, Equifax, and TransUnion, have 45 days to respond to your disputes, plus 15 days for mailing. That means you should get the results of their investigation within about 60 days.
Often, there are negative items remaining whose potential inaccuracies were not addressed in one or more of the credit bureaus’ responses. It can take several rounds of increasingly assertive disputes to get these items corrected or deleted.
So the short answer is: It depends! It can take less than 4 months or several months to achieve a completely accurate credit report to which you are legally entitled.
We’ll be with you and advocating for you every step of the way.
35%—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.
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.
Removing anything from your credit reports does not remove your obligation to that debt. You still are legally liable for the debt and need to settle it if it is within the statute of limitations in your state. If you feel you are over your head with debt, bankruptcy might be something you should consider, that is the only legal way to remove yourself from debt liability.
In a word, yes, it usually is. If you have inaccurate negative items on your credit reports, that may impact your ability to get a loan or new credit, a house, an apartment, or even a job!
And it isn’t only accounts that matter. Lenders and employers may also look at your “aliases” and past addresses for an indication of your trustworthiness.
It’s common for credit reports to list the wrong name, birthdate, and address. Worse, they often list misspellings and variations as aka’s or past addresses. A person who’s lived in the same place for 30 years may have a dozen different “addresses” listed!
There’s a lot more to credit restoration and credit counseling than disputing obvious mistakes. Call us today to nd out more.
Since we got started we’ve always pushed for bigger and better. Thinking about your finances can be frustrating, but we’re working to make the process simpler and easier to understand for all our members. Our mission is to help our clients attain freedom from financial problems and provide the best affordable credit solutions possible.
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