CLIENT INFORMATION AND RECOMMENDATIONS:

 

As your credit specialist, our most important job is to review your credit history reports with you and begin the process of disputing negative inaccurate items on your reports. Our next important job is to give you recommendations to follow, which will help you to speed up the process, achieve a higher score and keep it. While we do our part, please read the following information and follow our steps and your score will start to improve quickly.

• How does credit repair work?

• Credit Report Basics

• Do I have a right to know what’s in my report?

• What is a Credit Score?

• Credit Score Ranges and Their Meaning

• How do Credit Bureaus determine my credit score?

• What type of information do credit bureaus collect and sell?

• How does a credit bureau determine my score?

• What is the secret to a high credit score?

• What happens if you are denied credit or don’t get the terms you want?

• The Fair Credit Reporting Act

• How can I speed up the process?

• 7 steps to increase your credit score fast

 

CLIENT INFORMATION AND RECOMMENDATIONS:

Credit repair is 100% legal. It works because of a law called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Even accurate negative items can often be removed or negotiated away. This law is the basis of all credit repair and the foundation of our business.

 

CLIENT INFORMATION AND RECOMMENDATIONS:

Your credit payment history and profile is the makeup of a credit report. These files or reports are maintained and sold by “consumer reporting agencies.” One type of consumer reporting agency is commonly known as a credit bureau. The largest three credit bureaus are Transunion, Equifax, and Experian. You have a credit record with these agencies if you have ever applied for a credit or charge account, a personal loan, or a job.Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have defaulted on any debts, have any outstanding judgments or child support, and whether or not you have any bankruptcies.