A great credit report is essential to getting the most out of life.
Credit repair is 100% legal. It works because of a law called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Even accurate negative items can often be removed or negotiated away. This law is the basis of all credit repair and the foundation of our business.
No one can match our knowledge and experience to guide you through improving your credit profile and increasing you credit scores. Get started today!
A credit score is a number generated by a mathematical formula that is meant to predict credit worthiness. Credit scores range from 300-850. The higher your score is, the more likely you are to get a loan. The lower your score is, the less likely you are to get a loan. If you have a low credit score and you do manage to get approved for credit then your interest rate will be much higher than someone who had a good credit score and borrowed money. So, basically, having a high credit score can save many thousands of dollars over the life of your mortgage, auto loan, or credit card.
As your credit specialist, our most important job is to review your credit history reports with you and to begin process of disputing negative inaccurate items on your reports. Our next important job is to give you recommendations to follow, which will help you to speed up the process, achieve a higher score and keep it.