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If you have a low credit score, it will be almost impossible
THE EXCLUSIVE
Medical Bills
Public Records
Review Your Credit File
We’ll analyze your credit report. We’ll be looking for questionable items like collections, charge-offs, tax liens, judgments and late payments that may be hurting your score
Write To Agencies
We will then write to each of the 3 credit agencies (Transunion, Experian and Equifax) as well as the actual creditors directly. The letters will include disputes, appeals, validation requests and goodwill interventions intended to improve your credit score.
Unlimited Items
Keep in mind we will be doing this for all of the inaccurate items on your reports right from the start. Also, you can log into our client portal and check your progress report, which will show you when letters have been sent out and when to expect responses from the credit agencies/creditors/furnishers in your mailbox
Repeat The Process
Keep in mind we will be doing this for all of the inaccurate items on your reports right from the start. Also, you can log into our client portal and check your progress report, which will show you when letters have been sent out and when to expect responses from the credit agencies/creditors/furnishers in your mailbox
Initial results can come within 24-48 hours with some things being instantly removed from your credit report. We're quick and efficient and mail off dispute letters within the first week. Credit Bureaus have 30 days to respond to dispute letters, so you will see improvement within the first 45 - 60 days.
You will need to set up a credit monitoring account with one of our approved providers so your credit advisor can analyze your credit history, payment history, and overall financial situation.
What Are The Hours I Can Speak With a Credit Advisor?
Sometimes you just want to talk to somebody – to ask questions, get encouragement or understand the process better. And we’re here to talk to you, during the following hours:
Monday-Friday: 10 AM - 9 M EST
The Fair Credit Reporting Act (FCRA) was written in 1970 as an amendment to the Consumer Credit Protection Act. The FCRA provides additional measures of consumer protection in the areas of fairness, accuracy, and privacy of the information collected by the credit bureaus. It also allows you to personally engage in credit repair and maintenance processes, verifying that the information in your credit report is correct.
Federal consumer rights under the FCRA include:
Access to your credit report.
Access to your credit score.
Notification when your credit information is used against you.
The right to dispute information on your credit report.
The right to delete outdated information.
The right to decide who views your credit report.
The right to opt out of unsolicited offers.