WHAT IS CREDIT REPAIR?
Credit Repair is more than removing negative items from your credit report. Credit Repair implies credit improvement. The primary gauge of your credit improvement is your credit score, one little number that can literally save you–or cost you–thousands of dollars in interest payments or prevent you from even renting an apartment. Most Credit Repair companies only focus on Credit Report Repair, which means they merely remove negative items from your credit report. However, these companies fail to help you create an overall credit improvement strategy–a strategy that can save you thousands of dollars. Is Credit Repair Legal? ABSOLUTELY! Although the credit bureaus would like you to think otherwise, there is absolutely nothing illegal about disputing items on your credit report. In fact, it is your explicit right to do so under the Fair Credit Reporting Act. Credit Repair is legal and is Your Right Under the Law! Can I Fix My Own Credit? Yes. You do have the right, under federal law, t
Credit repair is the systematic removal of derogatory items from your credit report using your legal right to dispute questionable items. You tell your credit repair firm which items you would like removed from your report, and they will dispute the items with the credit bureaus. If the bureaus are unable to substantiate the items within 30 days, the item will be removed from your report, and your score will improve.
Credit repair is a process where an organization or a firm seeks to correct incorrect and/or misleading information on your credit report. In addition to correcting incorrect or misleading information, credit repair also encompasses dealing directly with creditors to manage debt as it relates to your credit report and your credit score. The goal of this whole process is to ensure that negative entries on your credit report are reported as favorably as possible and to ensure that your credit score is as high as possible, given the circumstances. We also advise you on ways to continue your credit score growth.
