Yes, it's important to note that credit repair is legal in all 50 states. There's a federal law that guarantees consumers the right to dispute information in their credit report to have it corrected. Credit restoration is legal and our credit education and document processing services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
Unfortunately, there’s no way to predict in advance how long it will take to repair your credit, as every credit profile is unique. That being said, last year alone, our clients saw millions of negative items removed from their reports, and typically stayed with us for six months. Through our services, we see 93% of our clients see their credit score increase 10 points or more in the first 35 days. Over the full 180-day term of the average contract, the average client credit score increased about 80 points.
Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.
Credit repair happens by removing negative marks from your credit report. By law, every piece of financial information that is listed must be accurate, otherwise, you can file a dispute to have it removed. The premise of legal credit repair is to find inaccuracies on accounts that are reporting as negative on your credit report.
Even if just one element of the listing is incorrect, such as the date a payment was reported late or the outstanding balance of a loan, you can file a dispute. The more documentation you have available to support your claims, the greater the chance of success you have for getting those items removed.
Depending on how serious the items are and how many you have, you may prefer to tackle credit repair on your own or hire a professional to help you improve your credit.
We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.
Once you have your credit report, it’s time to figure out the best way to start repairing any negative information that’s on there. With a bit of research, you may be able to identify the kinds of information that can be removed.
This is especially true if you only have one or two straightforward negative items. Otherwise, you can reach out to a professional credit repair company.
Most reputable firms offer a free consultation where they’ll review your financial history and develop a strategy moving forward. They can help you understand next steps and what you can do to effectively dispute the errors.
If you decide to move forward and hire the credit repair company, you’ll get advice on your legal rights and also in handling any creditors and collection agencies. They’ll also give you personalized advice on how to handle any financial items that may be affected by a statute of limitations.
When you repair credit by yourself, you could run the risk of reopening a collection by making a wrong move. A professional can help you navigate these tricky areas because the best firms have experienced attorneys and paralegals on staff to assist you throughout the entire process.
There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, our clients are able to remove 70% of the negative items from a credit report.
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances. However negative items in your credit history can legally stay there for seven or ten years if they’re accurate. No one can magically make them go away.
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
You are entitled to a 100% refund on all monthly payments if:
- You do not remove more than 25% of all the negatives worked on.
- You have had six months from the time you retain our services.
- You have at least four negatives on the credit report at the time of sign-up.
- You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
- You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.
(Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received).