Public Records on a Credit Report: All You Need to Know A public record on a credit report can have a more deteriorating effect on credit score than many missed or late payments. In fact, public record information, such as bankruptcy, can remain on a credit report for 7 to an indefinite number…Details
Get your your credit score improved by removing discrepancies from your credit report. Delete bankruptcies, tax liens, judgments, slow payments, charge-offs, foreclosures, and collection accounts through credit repair, and ensure a clean credit history.
Doug, upon scanning his credit reports, discovered that even though he had settled all of his bad debts, they were still reflecting in his report, and hampering his score. After a deeper study, considering the Federal and State Laws, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act, he realized that many of the accounts on his credit report contained inaccuracies.
What followed was a string of investigations with creditors and credit reporting agencies that had reported the objectionable items. Doug demanded that the bodies either validate all of his account information with documented verification or delete all misreported items. Over the next few months, all inaccuracies were deleted.
This little success motivated Doug to help his family, friends and colleagues deal with their credit issues effectively over the following years. Rest, as they say, is history being made
Lenders follow these credit score guidelines for their lending decisions:
- Consumers with the required or higher credit score are eligible to get better interest rates
- Borrowers with lower credit scores are not subject to automatic rejection
- When credit history changes for better, the credit score improves. It makes consumers more creditworthy.
You can improve your credit score in various ways. One of the most effective methods among them is removing inaccurate items from your credit report, and that’s what we do effectively. We provide credit counseling by following a structured process and help restore your credit score.
The steps of “V” Phase Process® are below:
- Auditing all the three credit bureaus and keeping you updated about the process.
- Doing individual repository based audits and raising disputes with creditors.
- Adjusting disputes based on the responses received from credit bureaus and creditors.
- Re-establishing credit with installments and revolving credit (if required).
- Reviewing file and offering consultation.
This structured credit repair process can improve your credit rating, and make you eligible for various credits. In this way, you can clean up your credit history, and put your finance back on track.
The transition from bad to good credit involves several steps and you can rely on us for taking each of them with precision. In addition, we will also assist you in your endeavor to credit repair and restoration.
In addition to a comprehensive range of credit repair services, there are various elements that set us apart from others. The list includes:
- In-depth Knowledge & Expertise: Our driven team of experts has in-depth knowledge of state and federal laws, essential at every step of the credit repair process.
- Eye for Detail: Our credit specialists closely examine every detail of your credit report, find inconsistencies and errors, and take corrective action to redress the issues.
- Holistic Approach: We follow a multi-layered credit restoration process, starting from obtaining your credit reports to filing dispute letters and audits to lenders and credit bureaus.
- Third-party Research: Our investigation includes a thorough research through credit and collection agencies, public records, inquiries and more.
- Debt Validation: Last, but not the least, our credit repair specialists request validation of debt, and demand lenders to produce documentation.
Please provide the information below to receive your free credit report evaluation and free credit repair information:
3 Simple Ways to Clean Credit History for Free Positive credit entries reflect in a credit report for an indefinite period, whereas paid accounts report for up to 10 years, providing various perks to the individual. If, however, a credit report has any negative information, it needs immediate attention. Delinquencies that are 30 to 180…Details
Planning to “Settle” Your Debts? Read This First! “Most people do not plan “debt settlement”; regular outstanding payments due to a weak financial backdrop forces them to take this step. Consequently, they have to negotiate with lenders, to settle for an amount that is notably lesser than the total payment agreed in the repayment agreement.…Details
4 Tips on Choosing a Credit Monitoring Company Although US citizens are entitled to receive free credit reports every year from the three major credit bureaus, many people don’t even know they have the option, until something goes drastically wrong. That is the reason why every credit repair company advises clients to check their credit…Details