Get the Credit you Deserve

This is a little about what I do. I do not give you information to do it yourself as we sit down and work together and get it prepared. I get all of the paperwork prepared we review everything and I file it for you.
Bad credit makes many things difficult, impossible, or more expensive. For example, did you know insurance companies often charge a higher interest rate for drivers that have bad credit scores? Your credit score will determine if you will qualify for a loan and your interest rate, Employeers are also looking at your credit to determine if you are worthy to hire, If you're getting new utilities turned on in your name, the company will check your credit to decide whether you should pay a security deposit. This list goes on and on.
It is your right and responsibility to assure the accuracy of the items on your credit reports. If information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.
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 fact 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.
Consumer protection laws are in place to keep you from becoming a victim of the credit reporting system.
By taking advantage of your rights under these statutes, you can help ensure that you are not charged excessive interest rates or unfairly denied credit.
Sometimes it becomes necessary to attack your credit reports with a variety of legal tactics.
I will help you obtain your credit reports from the three major credit bureaus: TransUnion, Experian and Equifax. Since each client's case is unique, I will collect specific information regarding your particular circumstances for each item in question.
I help clients repair their bad credit by disputing the inaccurate, untimely, misleading, biased, incomplete or unverifiable negative items from their credit reports. As my client you can take advantage of services designed to modify, monitor and protect your credit rating.
The Standard Service uses targeted disputes based upon the Fair Credit Reporting Act in an effort to delete the questionable negative information from your credit reports. additional strategies based on other consumer protection statutes. These statutes include the federal Fair Credit Billing Act which gives you the right to request extensive information regarding billing and account history, the Truth in Lending Act which stipulates conditions for establishing credit accounts, and the Fair Debt Collection Practices Act which defines your rights regarding accounts that have passed into collection status.
Once I have received your credit reports, I will analyze them and add the negative items they contain to in order of how severely they are affecting your credit rating. You will then be able to select which items are questionable, and how you want us to address them.
Once you have selected which items you want us to dispute, I will prepare the appropriate intervention or dispute letters. These letters are designed to communicate your dispute in such a way as to assure the credit bureaus to conduct an investigation.
At the conclusion of the credit bureau's investigation, a new copy of your credit report should be sent to your home along with any deletions or improvements if any were made. If you are not satisfied that the questionable, negative credit has been resolved, send us a copy of the new credit report and the cycle will begin again.
Aside from the credit bureau dispute process, engagement agreement expansions add interventions such as escalated account investigations, goodwill interventions and formal requests for debt validation. These interventions do not necessarily follow the same dispute cycle as the credit bureau disputes and are designed to increase the likelihood of accelerated results.
In order for a credit bureau to keep a disputed credit listing on your report, they must have evidence that it is accurate, timely and verifiable. If the credit listing is only somewhat inaccurate, the credit bureau may simply change the item to reflect the accurate status. Very often, though, disputed credit items cannot be verified because the creditor no longer possesses the information or does not wish to go to the trouble of verifying it. In these cases, the listing should be removed. Also, the credit bureau reinvestigation must be completed within 30 days, though the credit bureaus do not always meet this deadline, or the listing must be removed. However, be aware that in these instances, once the bureau finds evidence of the listing, the item may eventually re-appear on your credit report.
For these reasons, properly disputed questionable credit listings have been removed with remarkable frequency.*
You have the right under federal law to conduct your own credit repair work if you so choose.
While this may sound easy, the fact that the credit bureaus can legally ignore your dispute under a variety of circumstances often makes the opposite true.
Credit bureau disputes follow a 30 day cycle, level creditor interventions do not share this restriction.
Creditors are frequently more responsive than the bureaus and may respond much sooner than 30 days. Also, when a creditor agrees to stop reporting a negative item, it typically disappears from all three credit reports at once.