A record of your payment pattern and financial transactions, your credit score is your key to the financial world, ruling almost all aspects of your life, including mortgage, unsecured loans, insurance premiums, employment eligibility, and more. Contrary to common misconception, no matter the circumstances that led to your bad credit history, it can be improved through diligent credit history cleanup or repair. You can escape the trappings of bad credit. It is legal and ethical to remove unfairly reported listings from your credit report.
The Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA) and Fair and Accurate Credit Transactions Act (FACTA) allow you to investigate and challenge questionable items on your credit report. You, the consumer, can dispute on your own provided you know the credit clean-up protocol, or seek the assistance of a credit repair company. A trusted provider of credit repair services in McKinney, Texas, RMCN employs highly experienced and qualified credit management experts with proven competence in the domain.
Wondering How to Clean Credit?
Improving your financial discipline indicator comprises several aspects that range from settling your bills on time to maintaining low credit utilization and debt-to-income ratio. An error-free credit report is an integral part of the equation. Over time, with responsible money management, you can further improve your credit score. It is important to analyze if any accounts should be paid and/or closed, which accounts should show some activity, if you would benefit from increased credit limits.
How We Resurrect Your Credit Profile
RMCN’s clean credit repair services include a close analysis of your credit reports from all three major credit bureaus, and auditing lenders. We follow a multi-structured audit process to ensure that no error in your credit report goes undetected. Following a systematic approach, our professional credit analysts take a number of measures during the credit restoration journey to expedite results. Here are the highlights of our approach:
- Identifying outdated and inaccurate items
- Deleting false lender comments
- Research and investigation of public records
- Requesting validation of the information maintained by collection agencies
Your credit report provides an overview of your financial behavior to lender and other financial institutions when they assess your credit requests, or decide the premium rates for your insurance. Therefore, having as clean of a credit report as possible and free from errors such as liens, charge offs, or negative lender comments, in not a “choice”.
Take the First Step, Today!
A clean credit report plays a crucial role when it comes to living a prolific life. If you are looking for clean credit repair services, the search ends here. Speak to one of our experts today, by calling us at 888-4-MY-REPAIR (toll free), or fill out our contact form and we will take it from there.