About Us
Best Credit Repairing Service
Our credit repair services help to fix your credit report by reviewing your credit reports and working with you to remove negative information. This may involve negotiating with your creditors. It also may include disputing inaccuracies with the credit bureaus. As the negative marks disappear, your credit score will improve.
The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or have filed for bankruptcy.
Credit Repairing Service
Review of Your Reports
Obtaining your credit report is easy. You can request a free copy of your credit report once a year from each of the major reporting bureaus (Equifax, TransUnion and Experian). When you review your credit reports, look for inaccurate information. If something looks suspicious, dispute the error.
Removing Negative Information
If you have unpaid collections items on your report, the best way to get them removed is to negotiate a payment with the creditor or collection agency if they agree to delete the negative entry from your credit report. This is very effective as long as you get everything in writing.
Disputing Inaccuracies
Telling the credit reporting company, in writing, what information you think is inaccurate. Use our sample dispute letter. Include copies (NOT originals) of documents that support your position.
Transparency Pledge:
No one can legally remove accurate negative information from your credit report. You can ask for an investigation — at no charge to you — of information in your credit file that you dispute as inaccurate or incomplete. While some people hire a company to investigate for them, anything a credit repair company can do legally, you can do for yourself. It doesn’t cost anything to dispute mistakes or outdated items on your credit report. Both the credit reporting company and the information provider are responsible for correcting inaccurate or incomplete information in your report.
Frequently Asked Questions
Here are some frequently asked questions we receive from customers.
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Do credit repair services actually work?
Yes, while it is difficult to remove derogatory credit information in your report, when you can identify incomplete or inaccurate items and dispute them, a consumer reporting agency must investigate your dispute unless deemed frivolous. These dispute processes often remove items due to incomplete or failed responces resulting in a boost of your scores.
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Can you really pay someone to fix your credit?
While there is nothing a credit repair company can do that you can't do yourself for free, you've got to know which items can be resolved or removed and working with someone who has a great deal of experience with consumer reporting agencies this will likely result in the entire process being much easier and quicker, not to mention more successful.
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How do credit repair companies remove negative items?
In some cases, negative credit report items can be removed by simply talking to your creditors or making payment arraignments for items which may include one-time missed payments on collection accounts. You can also remove credit report items by filing disputes with the three major credit bureaus or the particular items placed by creditors.