What is Credit Repair?

What Is Credit Repair?

A credit repair is a process where a person or business improves their ability to borrow money and aims for a good score on their credit by correcting wrong information in their credit report, using their credit responsibly and repaying their amount of debt more quickly. 

For the most effective credit repair it is good to hire a professional licensed and bonded credit repair company.

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Everyone deserves a better future, and having good credit can make it easier to achieve. What are you waiting for?

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How To Fix Bad Credit

By utilizing credit fix strategies such as paying obligations on schedule, negotiating with loan specialists for improved loaning terms, or negotiating your payment obligation to make financing costs reasonable, a borrower can improve their FICO score, this will result in making it easier to pay debt and the possibility getting approved with better payment obligation terms in the future.

Also, removing inaccurate, unverifiable, erroneous, incomplete, non-compliant data from the credit reports will help fix bad credit.

35% of your credit score is paying all of your bills on time. That is the biggest step towards obtaining good credit. Paying your bills 30 days late destroys your credit. Try to pay for everything before the due date.

The average client stays with us for 3-6 months. Some cases require less, some require more. When we file a dispute, creditors and credit bureaus have to complete an investigation within 30 days —a couple of special cases can stretch this out to 45 days. This is done in rounds of disputes, some files may take 2-3 rounds to get cleaned up, some may take 4-5 rounds. â€‹

What Do Credit Repair Services Do?

A reliable credit repair service provider pulls your credit reports from three noteworthy credit departments to identify your credit issues.

Since each credit bureau has its own information “furnishers”, which are the loan specialists/lenders, credit card organizations, payment gatherers who report your credit data to them. 

​Sometimes, there might be mistakes that show up on one of your credit reports, however, these don not show up on others.
Each credit report is unique and no professional firm can predict an outcome. 

When you are looking for credit repair services to help fix your bad credit, it is best to ask what the previous clients have experienced from the past but remember each credit file will be different.

Credit repair companies analyze your credit report line by line and examine every detail of each account that is on your credit report.

​Then we challenge any inaccurate, unverifiable, erroneous, incomplete, non-compliant data from the credit reports with the credit bureaus and creditors. They also provide advice and tips to boost your score such as adding new positive credit history, paying the revolving debt down, and etc.