Credit repair involves tackling any potentially damaging negative items that may be impacting your credit profile. When credit bureaus and creditors cannot verify the fairness, accuracy, and validity of these negative items, they are obligated by law to remove such entries. This action can lead to an improvement in one's credit standing.

First, we get an understanding of your credit goals to best fit your needs. We will gather basic information on what needs to be done with your credit and your overall goals.

Next, We get your credit reports from Equifax, TransUnion, and Experian. A credit repair specialist will review the reports and analyze them. Erroneous negatives, questionable and unusual items will be flagged. This is where credit repair begins.

Finally, Wе wіll analyze your еxіѕtіng credit reports and give уоu a step-by-step credit analysis so we know the best steps to increase credit scores. We design thе rіght program to fіt your nееdѕ аnd gоаlѕ.

Credit repair can take up to 90 days. Additional time will be needed to build credit.

Credit Repair Firm possess the expertise and abilities to identify potential errors made by credit bureaus. Moreover, we are equipped with the necessary consumer law knowledge to address and resolve these issues efficiently. By trusting us, the repair process becomes more streamlined, preventing you from paying interest on erroneous charges. Additionally, we are well-versed in your rights as a debtor concerning creditors and credit bureaus, including legal entitlements that you may not be aware of. This valuable information can greatly benefit you and expedite your credit recovery journey.

Credit Bureaus are companies that maintain records of your credit lines and performance. Records go back seven years, and up to ten years, for bankruptcy data. Creditors, banks, mortgage companies and other financial institutions supply this information to the credit bureaus, and they compile them into a credit report. A credit report has details of how you have managed credit in the past, so other lenders can judge your credit worthiness. The three main credit bureaus are Experian, Equifax, and Transunion.

Credit repair is a tedious process that requires patience and commitment. While we handle the letters and communication to the credit buraus, you’ll need to do things like getting an unsecured credit card, making on-time payments while we remove negative items from your report – similar as how someone might work towards weight loss through exercise or diet changes find ways of increasing physical activity in order not only build up good habits but also maintain them long term.