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You may have seen ads for credit restoration software. These are nothing more than e-books full of tips, tricks, and forms. Some could help you – some ruin you. There is no silver bullet. Credit restoration isn’t handled by software, but by people challenging items that need to be removed from credit reports.

Most people don’t realize that almost all credit reports contain some errors.

Credit repositories deal with millions of credit files and are constantly updating the info in those files. Mistakes are bound to be made while trying to manage that much data. Some of the most common errors are these:

  • Duplicate records

  • Accounts that belong to others

  • Paid or closed accounts that have not been removed

  • Items that have been successfully disputed but never removed

  • Accounts or charges resulting from identity theft

  • Balances posted in error

  • Records of credit entries taken without your knowledge or consent

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. It is legal and ethical to remove unfairly reported listings from your credit report.

You, the consumer, can dispute on your own provided you know the protocol. If you don’t have time, or don’t know where to start, contact the professionals at RMCN Credit Services for assistance. We know the laws inside-and-out and can get your inaccuracies, as well as certain other items, removed. By law, the credit bureaus must provide adequate proof of their records or remove disputed items. We hold the credit bureaus legally responsible for what they list on your credit report, thereby improving your credit score.

Over time, with responsible money management, you can achieve true credit repair.

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RMCN Credit Services
375 Adriatic Parkway #2205
McKinney, TX 75072
(972) 529-0900 Office (972) 562-0225 Fax
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