Credit Repair
If your FICO* score is preventing you from owning the home, car or even obtaining the credit card you desire, then let our credit specialist tailor a program based on your immediate needs. A higher FICO score is vital to achieving your dreams.
With the recent revision to the Fair Credit Reporting Act (FCRA) and new legislation being passed, it makes creditors more accountable for the information they share about you. We know the laws and we use all of them to protect your interests. By using cutting-edge technology and up-to-date legal information, we fight to protect your credit rating and will educate you along the way!
The approach we take on your behalf is unique because our focus is not necessarily on the validity of the derogatory remarks on your credit reports, but rather on the many laws creditors are breaking to save time and money when reporting to the bureaus. This allows us to audit or investigate your creditors and establish proof that they are not in compliance with the law. Invalid information must be corrected or removed within a very short period of time and since most companies are very slow moving, the derogatory information is usually just removed.
Your creditors can re-report at anytime so it is important to stay on top of your credit reports to insure that the derogatory or incorrect information does not re-appear. The Federal Trade Commission (FTC) says that in most cases you can do your own credit repair. This is absolutely correct and we agree however, the advantage to using a service such as ours is three fold:
- We know the credit business, we know what works and what doesn't. We know what major credit companies report, when and for how long.
- We focus on the job. You already have a job and if you want your credit to improve you must pay your bills on time and insure that the old, incorrect and derogatory information STAYS off your credit report. That is OUR job.
- We have built a network of partners and sister companies that can work with you to help re-establish your good credit. Starting over doesn't necessarily mean starting from zero.
If you want more information on do-it-yourself credit repair, check out the FTC's guide on their website.
You are entitled to a copy of your credit report from the 3 major credit reporting agencies. You may get a copy of your report anytime you are denied credit or once per year upon request. You can get your credit report online at www.annualcreditreport.com. The annual credit report does not contain your actual FICO score. You can purchase a FICO report from the same web site for approximately $35.00.
Don't Delay! Get Started Now!
Our CREDIT RESTORATION Services Include the Analysis and Potential Removal of the Following Items from Your Credit:
- Bankruptcies
- Charge-Offs
- Collections
- Credit Account Late Pays
- Foreclosures
- Inquiries
- Judgments
- Mortgage Late Pays
- Notices of Default
- Repossessions
- Student Loans
- Tax Liens
*FICO stands for Fair Isaac Company, the company that created the
original scoring model. FICO is a mathematical model created by the Experience credit bureau as a tool for lenders to use in evaluating the
risk associated with lending you money.
