INCREASE YOUR CREDIT SCORE IN 2024
What is credit repair?
Credit repair involves the systematic effort to enhance or restore an
individual’s creditworthiness. When faced with a low credit score or adverse
entries on their credit report, individuals may encounter obstacles in securing
credit or loans. The primary goal of credit repair is to confront and rectify
these issues, ultimately elevating the individual’s credit score. This process
often involves identifying inaccuracies, disputing discrepancies, and
implementing strategies to improve the overall credit profile.
What is credit building?
Timely Payments: Making on-time payments for credit cards, loans, and other financial
obligations is crucial for building a positive credit history.
Credit Card Management: Responsible use of credit cards, including keeping balances low
and paying in full each month, contributes positively to credit building.
Diverse Credit Types: Having a mix of credit types, such as credit cards, installment loans,
and retail accounts, can enhance your credit profile.
Length of Credit History: The duration of your credit history plays a role in your credit
score. Keeping older accounts open and active can be beneficial.
Credit Monitoring: Regularly checking your credit report allows you to identify any
discrepancies or errors that may affect your credit score.
Credit Limits: Using a small portion of your available credit demonstrates responsible
credit management, positively influencing your credit score.
New Credit Applications: Limiting the number of new credit applications helps maintain a
stable credit history.
How Credit Repair Works
ANALYZE
We are dedicated to thoroughly examining your credit reports, meticulously identifying any negative elements. Following a comprehensive analysis, we strategically devise a plan of action for swift and optimal results.
DISPUTE ERRORS
We dispute inaccuracies present in your credit report, disputing them directly with the credit bureau responsible for reporting the errors. We furnish supporting documentation to substantiate our disputes. The bureau then undertakes an investigation, rectifying any identified errors upon their discovery.
WAIT FOR RESULTS!
After submitting the file for the disputes, we patiently await the credit bureau's response, witnessing the disappearance of negative items as if by magic! Should any lingering items persist, we'll launch a second round to address them with equal determination.
WHAT CAN WE DISPUTE
| Type of derogatory mark | What is it? | How long does this stay on a credit report? |
|---|---|---|
|
Late payment |
Late payments are payments made 30 days or more after the
payment due date. |
Typically, this can remain on your report for seven years from the date you made a late payment. |
|
An account in collections or a charge-off |
Creditors may send your account to collections or charge them off if there’s been no payment for 90 to 180 days. |
Typically, this can remain on your report for seven years from the date you made a late payment. |
|
Debt settlement |
Debt settlement is when you and your creditor agree that you will pay less than the full amount owed. |
A typical time period is seven years, starting from when the debt was settled or the date of the first delinquent payment if there were missed payments. |
|
Repossession |
A repossession is when your assets are seized, such as a vehicle that was used as collateral. |
A repossession can remain on your report for seven years from the first date of the missed payment. |
|
Foreclosure |
Foreclosure is when you fail to pay your mortgage and you forfeit the right to the property. |
Typically, seven years from the foreclosure filing date. |
|
Bankruptcy |
Bankruptcy is a court proceeding to discharge your debt and sell your assets. |
Chapter 13 bankruptcy can remain on your report for seven years. Chapter 7 bankruptcy can remain on your report for 10 years. |
WHAT DO WE CHARGE?
WHAT MAKES us Different!
Bad credit could keep you from:
Approvals
Getting approved for a mortgage
Low Rates
Securing good rates on a car loan
Top credit cards
Getting a low-interest credit card
Loans
Borrowing money from a prime lender
We guarantee you that we will eliminate 75-100% of your negative items within a span of 120 days!!
What affects my credit score?
See what may be impacting the different areas of your credit
