We know the laws pertaining to the Fair Credit
Reporting Act, which give you rights to challenge any information on
your credit report. We make sure that any inaccuracies in your credit
reports are corrected.
Many people will attempt to dispute their credit report only to give up
because of the frustration and lack of progress and results they see. We
have many years of experience in responding to the many stall tactics
and unresponsiveness of the credit bureaus. We work with you and keep
you informed as we dispute on your behalf. Thousands of our clients have
seen the results and have been able to purchase that new car or new home
for thousands less with lower interest rates.
We will review and analyze your credit report and look for items that
we know, based on our expertise, have a high probability of being
incorrect. Once we have identified areas of concern, we will dispute
with the credit bureaus on your behalf requesting the information be
reviewed and verified as accurate, as required by the Fair Credit
Reporting Act.
We will come up with a 30-90 day action plan to raise you credit score
as quickly as possible.
Did you know that the number of requests for your credit report can
bring down your credit score? And given the poor record keeping by the
credit bureaus, there's a high likelihood that requests were made that
you did not authorize (as required by law).
Another factor is a number called your "debt ratio" ... your
level of debt compared to your "credit limit." We also help
you raise your credit score by adjusting these levels.
"Types" of debt also affect your credit score.
Too many debts of the same type (revolving or installment debt) also
can lower your credit score. We'll identify problems in this area and
help you to reach a better balance.