1880 S Dairy Ashford Rd, Suite 650, Houston, TX 77077

Staying on top of your financial health

Did you know that 79% of credit reports contain errors? Usually, most of these errors are due to no fault of your own, but they can affect you getting a loan or a good rate if lenders pull up your FICO score and see a 600 or below. Not checking your score regularly and checking your financial health could result in you not getting a credit card when you need it, or even worse you might not be able to get a mortgage or a much-needed car loan. That’s why it’s best to check your credit reports for accuracy at least once a month.

You can improve your credit scores by getting any erroneous, inaccurate, or misleading information removed from your credit reports. This is known as credit repair. If there is inaccurate information and you dispute it and get it removed, you can raise your score in a matter of 2-6 months. Make sure you go through your reports with a fine-tooth comb and erase those errors on your credit report. You can also enroll in a credit repair program and have the professionals evaluate your credit reports and devise a plan tailored to your needs.

Legal Credit Repair Help

Credit repair services are 100% legal. You can repair your own credit by disputing errors on your own directly with the credit bureaus.  Or you can seek help from a professional credit counseling service.

The important thing to do is to educate yourself you on everything there is to know about managing your credit report.

If you choose a credit repair company, make sure they offer personalized credit repair help, and make sure they do not dispute any items on your credit report using any automated systems.

Everybody’s credit is unique. You want your credit repair service to serve you by tailoring to your specific needs.

What you can expect from a good credit repair service

After enrolling, you should receive clear instructions on how to get your credit reports from the three major credit bureaus. As always, any complications that you encounter during this or any other step, should be addressed by the customer service representatives and credit counselors.

Your credit repair service should then review your credit reports and analyze them for any questionable items, potential mistakes and negative items that should be disputed. They should keep you abreast of your case through communication with your credit counselor, or by logging into a database where you can view and monitor up to date (in real time) information on your credit report disputes.

Then your company should dispute all Negative Items on your behalf. It’s time for you to sit back and relax, as we take the process from there. After disputing with the three major credit bureaus, Experian, TransUnion and Equifax, the bureaus will send you their findings, which you will then forward to your credit repair company. All negative items that were removed should then be updated in their database.

Then the process repeats itself if all of the erroneous information is not removed. Your company will re-dispute any remaining misleading Items on your behalf

This process continues until all the erroneous items on your credit report have been removed and the discrepancies rectified. Sometimes this requires re-disputing an item if it has not been deleted. When this occurs your credit repair company should re-analyze the issue and devise a new strategy, until the item is eliminated or corrected. The length of time that rectifying your credit report will take depends largely on the conditions of your individual credit report. Your service should be diligent are steadfast in their efforts to resolve your credit reports as swiftly as possible.

Throughout the process, their experienced credit counselors will be available to answer any questions that you may have about the dispute process, consumer protection laws, repairing credit reports or any other concerns that you may have.

Establishing new credit

After going the credit repair process, you should work on establishing new credit as well. You can try to new credit trade lines, unsecured credit cards or secured credit cards and have them added to your credit reports. Imagine having all your negative items removed while at the same time having a new $5,000 credit line added to your report? This will help utilization and your credit score will rise dramatically!

Using due diligence

Make sure that your credit repair company of choice does not charge you any upfront fees. Make sure they do not promise you a specific score.