Credit Repair Questions?

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Credit repair is a service provided under the CROA (Credit Repair Organizations Act) that allows credit repair service providers to assist consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated, or unverifiable. 

We work with the creditors and credit bureaus to find legitimate reasons to have incorrect, unfair, or questionable items removed from our clients credit reports. More often than not, we find violations. If we do, we leverage FCRA (Fair Credit Reporting Act) laws on your behalf to remove the item(s) in question.

This is a tricky question. For one, we can't tell you upfront that ANY item can or will be removed from our clients credit reports guaranteed. Again, like all legally compliant credit repair agencies, we can only remove items that show to be inaccurate, outdated, or unverifiable. However, many items on consumer credit reports tend to fall into one of those categories.

There is no fast and easy answer to this question. The time it takes to repair your credit is completely dependent upon your personal situation. We value each member's unique situation, and provide customized plans to suit varying member needs. In general, clients are usually complete in 30-120 days.

Because the credit bureaus say so. Unfortunately, there is wording in the law that requires you to provide certain information. If you don't supply the proof of your identity and address, the bureaus will simply ignore your dispute and we will get nowhere. 

Below is a list of what can be used as proof. You must send 1 proof of photo ID, 1 proof of social and 1 proof of address.  

• Driver's License  
• Passport
• Utility Bill  
• Social Security Card  
• Tax Form  
• Bank Statement  

  We Leverage FCRA Law on your Behalf. If ANY of the the information on your Credit Report is Inaccurate, unverifiable or incomplete it must be removed or corrected, within 30 days. If the Bureaus do not Comply with our Disputes, and the information in question continues to be reported, they are in violation of FCRA Laws. We work directly attorneys Who use Legal demand for Forced Removal of Violations.

The Fair Credit Reporting Act, 15 U.S.C. § 1681 (“FCRA”) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act ("FDCPA"), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants. 

If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

The Fair Debt Collection Practices Act (FDCPA), Pub. L. 95-109; 91 Stat. 874, codified as 15 U.S.C. § 1692 –1692p, approved on September 20, 1977 (and as subsequently amended) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute's stated purposes are: to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.