Yes, but you can also fix your own car, represent yourself in court, or even be your own doctor; however will you obtain the same results as a professional?
It has gotten to the point where almost everything is based on your credit history. With a better and more accurate credit file, you can receive lower credit card and home mortgage interest rates, lower automobile finance charges, lower down payments, lower insurance rates, and more pre-approved credit. Foremost, restoring your credit will give you more peace of mind and will also eliminate certain stress. Therefore you can benefit greatly by taking advantage of our professional services.
To ease some of your curiosity, our strategy involves us using on your behalf the Fair Credit Billing Act, Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. True knowledge and understanding of all these pieces of legislation give us the ability and the confidence to legally challenge items in your credit reports. Each one of these acts can be viewed at: www.ftc.gov
This can be done by signing up with a 3-in-1 credit monitoring service such as “Truecredit.com” or by contacting the agencies directly by phone or going to their websites. If eligible, you may be able to obtain a FREE copy of your credit report from each credit bureau by logging onto www.annualcreditreport.com. If you are not eligible for FREE credit reports, you can sign up with a credit monitoring company.
Yes. Upon signing up for our Credit Rehabilitation Services you will be asked to provide two or more of the following documents to verify your address and identity- Bank or Credit Union Statement, Driver License or State Issued ID, Pay Check Stub, Social Security Card, Utility Bill, or Form W-2.
Any item in your credit file can be disputed. Such items include, but are not limited to; Bankruptcies, Charge Offs, Collection Accounts, Foreclosures, Inaccurate Information, Judgments, Late Payments, Outdated Information, Repossessions, Tax Liens, Inquiries, etc.
Once you receive your credit reports from all 3 credit bureaus we will aggressively remove the negative debt from your credit report. By law, the credit agencies must respond to your dispute letters within 30 days from the actual dispute claim, and you should definitely see results on your credit file within 30-45 days
The moment you receive any single document from a collection agency, credit bureau, or original creditor; scan and email the document to us immediately.
No. They can only mail it to the current address they have on file for you; the consumer. It is imperative that the moment you receive any documents from the credit agencies that you make yourself copies and then, e-mail or US mail us the original within 5 days of receipt.
Very important! Say nothing but, “Can I get your name, phone number, company you are calling from, and the nature of your call today”. Also end the conversation with, “I will only communicate with you via mail, please mail me out a letter stating the purpose of you calling today”. You have to understand that their job is to intimidate you. Even a good lawyer recommends that you do not talk to anyone without consulting with him or her first. If this situation occurs, answer with the above response and notify us immediately.
It is very rare that an item that is deleted from your credit file will be reinstated at a later time. In addition, the Fair Credit Reporting Act also covers this topic strictly. The credit bureaus must notify you in writing within 5 days in such a case. If you receive such correspondence, forward it to us immediately so we can dispute the item again to attempt to have it removed.
Absolutely none! As mentioned earlier, we use the consumer protection remedies enacted by congress to work for you.
Definitely yes! As one of our Credit Rehabilitation Services, we will draft and send to collection agencies on your behalf; Cease Contact Letters to stop annoying debt collectors.
We have partnered with several business funding resources that offer PG funding programs that lend up to $300k in business line of credit for each round of funding.
Yes, but you would have to get your personal credit fixed before applying for any business loans.
We come across this issue almost every day due to the fact that there are so many credit repair scammers. Unfortunately, whenever we take on a file that’s been worked on before the process usually takes longer than usual because the credit bureaus keep a record of each inaccurate dispute. And since we don’t know how the other person/company disputed the negative items on your account, we would have to try various debt validation methods to expedite the process. However, if your credit reports are blocked with the credit bureaus we cannot accept your order to work on your file under any circumstance.
