How does all of this work?
You may have heard that credit repair is a problem waiting to happen. Many people have unfortunately been victims to the games of unethical companies such as this one HERE. This is not how we operate, we are here to assist our clients in achieving their dreams. Credit repair is a process- not an overnight quick fix and people that are promising extreme score boosts are probably there to take your money and run.
The right way to do things...
Under the Fair Credit Reporting Act we are able to assist our clients in identifying and removing items that simply put- should not be there. How is this possible you ask? We are using a proven method that entails a 3 step process which gives us the leverage we need to begin removing the bad stuff and slowly increasing your credit rating. Here are the basics of this 3 step process for disputing:
1. Each item must be reported within the allowable legal time frame for reporting
2. Each item must be reporting 100% accurate information
3. Each item must be reporting 100% verifiable information
If the credit bureaus or the collection agencies are not able to stay within these 3 basic guidelines they must either update the information to reflect correctly or DELETE it all together. And the important thing to remember is that if they cannot prove it they must remove it!
We are here to ensure that every item on your credit report is in compliance with various state and federal laws to ensure the accuracy of the items that are reporting. Nobody wants information on their credit report that cannot even at least be proven to be correct! This is exactly why you deserve the opportunity to have these items challenged and the bureaus and creditors should give us the proof we are looking for.
Why you should be concerned...
In the world of collections you are dealing with a place where a lot of money is made- and a ton of personal information is dealt with- yet information is so sloppily handed back and forth. It is truly shocking to find out just how loosely information is tossed around behind the scenes and how common it is to find a collection agency with very little information to support the debt that they have purchased. More and more people are starting to take note of this- including judges in a court of law as reported in this NY Times article HERE.
Do you want more information about your personal credit file?
If you are interested in finding out what we can do for you and your personal credit file, please take a minute to fill out our contact form and we will be happy to give you a free initial consultation. Enter your information and we will be in touch with you within 24 hours.
We can successfully and legally help you remove the following inaccurate and unverifiable info from your credit report:
• Collection Accounts
• Charge Offs