Quick Close - Starting at only $400
Total Restore - Starting at only $800
Credit Repair can remove collections, late payments, tax liens, judgments, bankruptcies, medical bills, student loans, repossessions, charge offs or anything else on your credit report.
- Details: No guarantee on the credit rating number, because credit rating numbers vary from person to person.
If one discovers inaccuracies on their credit
report responsibility lies with the individual to begin the
corrections process. Letters must be written explaining exactly what
the problem is and the remedy they feel warranted. Especially when
dealing with inaccuracies individuals must remember that each credit
reporting agency maintains its own database of information.
Therefore one agency might report an item properly while others
report it improperly and vise versa.
Furthermore, if a common inaccuracy exists with multiple
reporting agencies the repair process must take place with each
agency reporting the item inaccurately individually. In many cases
this means to remove an item that has made its way onto each bureaus
agency report, an individual must write three sets of letters and
follow the process through with all three different agencies in
order to be sure an item comes off from the reports. Once notified
of a problem an agency will contact the creditor or reporter of the
item in question and seek a response regarding the accuracy of the
item. Under the Federal Fair Credit Reporting Act if the agencies do
not receive a reasonable proper response within 30 days they are
obligated to follow your directives on proper treatment of the item.
Should a proper response be received the bureau may well
request more information on why you believe your position be the
correct one. Many people advocate dealing with only one item per
correspondence. To extend this out given earlier facts that each
item must be dealt with individually with each agency, a
hypothetical result for someone with ten erroneous items could mean
initiating 30 sets of correspondence to correct the problem. Once
you find you have completed this task follow up once again or check
the report again. Just because a letter has been written and a
creditor has not responded within a given time frame does not mean
that the agency will remove the report without further follow up and
an additional correspondence. On the other hand keep in mind changes
may take a month or more to appear on a report. While the process
for proper credit reporting is in place, assuring accuracy of your
own credit report rests with you.
Improving ones
credit score is one of the few areas of life where doing nothing can
be tremendously productive. Once the items causing negative impact
on the credit report have ended, the simple passing of time does
wonders for one’s credit score. While the advantage of improving
your score with the passing of time comes in the form of
non-existent effort, the disadvantage comes in that time must take
its own course. Even those with the best of credit cannot buy more
time or speed the passing of time.
Generally the date used to trigger the passing of time in
this context starts with the date of the last activity of the
account. Interpretation and misuse of this rule accounts for many
reporting errors. For example if a person last made a payment on a
charge card in 1995 and in 1999 a new entity buys the account and
begins to report it the new entity the credit reporting bureaus may
treat the initial reporting as the date of the new entity. But in
reality the date of the last activity of the debtor’s point of view
came in 1995 with the last payment. “Last activity” for purposes of
credit reporting means the debtor’s last activity, otherwise by
re-selling accounts or re-generating some new phantom activity the
creditors reporting can be extended in perpetuity. To maintain the
accuracy of records that should be dropped from account through
passage of time, usually seven years as I referred to earlier,
individuals should know the exact date of the last activity and have
records for proof.
What if my credit is not fixed, do you offer a warranty?
Our service is backed by a warranty which entitles you to 50% of your money back if 50% is not deleted. I simply don't believe in paying for an ineffective service.