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The most popular method for restoring bad credit is the credit bureau dispute. Because of the Fair Credit Reporting Act, you have the right to dispute and delete any items on your credit report that you feel are inaccurate, untimely, misleading, biased, incomplete or unverified.
When you dispute a questionable negative credit item with the credit bureaus, you are demanding that they perform an investigation to determine whether or not the item should be listed on your credit reports. If the credit bureau cannot verify the accuracy of the item, then they are required to correct the listing or completely delete it from your credit report.
Another method of credit repair is to work with your creditors to remove the negative items from your credit reports. Your creditors have the ability to delete negative items from your credit reports at any time. With more cooperative creditors, sometimes all it takes is to ask the creditor to adjust or delete a negative credit listing. In situations where this non-confrontational approach is not sufficient, the various consumer protection acts provide you with tools for forcing creditors and collections agencies to prove the accuracy of the reported accounts.
By using some or all of their legal rights to fair and accurate credit reporting, thousands of people have legally and successfully restored their credit and improved their credit score.
We can, however, give you an idea as to how our clients have performed in the past. No two cases are the same and your experience may differ. Each situation is unique and the majority of our customers see results within the first 45-60 days.
The progress of your case will depend on your timely participation, the nature of your case, and the level of credit bureau cooperation.
If a questionable credit item is verified at a later point in time, The Credit Firm will help you challenge the listing again if there are legitimate grounds to do so.
Once you contact The Credit Firm, you will receive a free credit consultation in which we will get your credit reports for you. During your consultation, a Credit Firm representative will also help you analyze your credit history and find out if credit repair is right for you. If at that time you decide you would like to enlist the help of The Credit Firm to dispute the questionable negative items in your credit reports, you will be able to sign-up over the phone and immediately get started with the dispute process.
Many people, however, choose to ask The Credit Firm to handle their repair for them because of the depth of experience we have to offer.
You will need to consider the amount of time and follow-up required to coordinate disputes with all three credit reporting agencies and the creditors appearing on your credit report. When you begin the credit disputing process, you are initiating a dialogue with these entities. This dialogue requires you to properly respond to credit bureau and creditor communications in order to keep the credit repair process moving.
In our years of credit repair experience, we have worked to continually to improve our processes to provide the best value for our clients. With that said, we encourage consumers to dispute their own credit if they have the desire, the time and knowledge to do so
Only $79 a month:
Get your service started today for just $19.99. You’ll get a welcome call, have your own 24/7 secure account set up for you to view, and see your credit reports and scores all within the first week. If you like the service we’ll continuously improve your credit each month for just $79.
Each additional month’s service that you engage will be billed on the same day of the month as your previous payment. For example, if your first payment was drafted on the 1st of the month, any additional monthly payments would be drafted on or about the 1st. The specific day of the month may vary slightly due to weekends, holidays, etc.
Client satisfaction is our number one priority and we will do what it takes to keep you satisfied with our work and our progress.
Whenever you apply for credit or financing, a credit report is typically pulled from at least one of the three major credit bureaus. While there are many smaller credit bureaus around the country, virtually every credit bureau is affiliated with Experian, TransUnion or Equifax.
Although these credit bureaus collect and maintain information on the vast majority of Americans, they are not affiliated with the government in any way. The credit bureaus are companies whose principal work product is the compilation of information known as a “credit report.” The credit bureaus generate their profits by selling the personal information in your credit reports to credit grantors, potential employers and even back to you.
The credit bureaus receive your personal information through the same lenders who grant you credit. They have agreements with each of these credit grantors that require the credit grantor to inform the credit bureaus of everything that occurs in your relationship with the credit grantor. If you make a payment late, the negative credit listing is quickly reported to at least one of the three major credit bureaus and is added to your credit history.
The credit bureaus collect this information, list it on your credit report, and then sell it to other credit grantors who wish to see your credit history before they decide to lend you money. The credit grantors who review your credit are especially interested in any negative credit. If you have shown any tendency to pay late, or to disregard your financial commitments in the past, the creditors will likely reject your application or charge a higher interest rate.
It is important to note that your credit reports are not just a record of how you are currently managing your credit accounts. Credit reports are histories of everything you are doing with your credit now and what you have done in the past seven to ten years
As part of your free consultation, we want to help you understand how your credit report and score affect your buying power. That’s why we’re proud to offer a new service that comes completely free and with no obligation. When you speak with one of our qualified agents, you will receive a FREE copy of your credit report summary and credit score. During your consultation, an Agent will help you:
- Understand the negative items on your credit report by reviewing each item point-by-point
- Understand your credit score
- Gain insight into the impact of your credit report and credit score
- Gain access to your credit information by providing you with a login to link your report to you or through email
- Evaluate your overall situation and recommend proactive solutions
Improving your financial future begins with the first step, and The Credit Firm is the best place to start. Take advantage of our free services today!
We stand behind our work, and that’s why over so many people have trusted us to repair their credit. We’ve made our service risk-free. We completely guarantee your satisfaction. When you’re paying month by month as you go, you’re assured that you’ll never pay for anything that you aren’t happy with. You can cancel at any time and you will not be charged for that month of service. Our goal is to make you one of our many satisfied customers and we’re willing to go the extra mile for it.