Things to Be Cautious of;
You see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get
calls from telemarketers offering credit repair services.
They all make the same claims:
* “Credit problems? No problem!”
* “We can erase your bad credit,100% guaranteed.”
* “Create a new credit identity — legally.”
* “We can remove bankruptcies, judgments, liens,
and bad loans from your credit file forever!”
Do yourself a favor and save some money, too.
Don’t believe these statements. Only time, a conscious effort, and a personal debt repayment plan will improve your credit report.
The Scam Everyday, companys nationwide appeal to consumers with poor credit histories. They promise, for a fee, to clean up your credit report so you can get a car loan, a home mortgage, insurance, or even a job. The truth is, they can’t deliver. After you pay them hundreds or thousands of dollars in fees, these companies do nothing to improve your credit report; most simply vanish with your money.
The Warning Signs If you decide to respond to a credit repair offer, look for these tell-tale signs of a scam: companies that want you to pay for credit repair services before they provide any services.
Companies that do not tell you your legal rights and what you can do for yourself for free. Companies that recommend that you not contact a credit reporting company directly. Companies that suggest that you try to invent a “new” credit identity — and then, a new credit report — by applying for an Employer Identification Number to use instead of your Social Security number. companies that advise you to dispute all information in your credit report or take any action that seems illegal, like creating a new credit identity.
If you follow illegal advice and commit fraud, you may be subject to prosecution. You could be charged and prosecuted for mail or wire fraud if you use the mail or telephone to apply for credit and provide false information.
It’s a federal crime to lie on a loan or credit application, to misrepresent your Social Security number, and to obtain an Employer Identification Number from the Internal Revenue Service under false pretenses.
SEND INQUIRY ABOUT OUR SERVICES
Our service includes:
Bankruptcy, tax lien updates, collections errors, change offs errors, student loans, repossessions, credit inquiries, late payments, child support, judgments, foreclosure, derogatory items, false items and more. We also Re-review your credit report once they send it back and keep batteling untill they get it right. We even make them verify how they got the information if they claim it is accurate.
FACT:
Accurate negative credit information can NOT be erased unless the creditor fails to validate or proves it.
Accurate credit information cannot be erased from a credit report within seven years of the reporting period. The only information that can be changed are items which are actually wrong, or are beyond the seven year reporting date. If you have a poor credit history, time is the only thing that will heal your past credit report.
Things we can do
Improve your credit rating by;
Demand Proof of the Debt (Validate debt)
Remove Account if not Validated
Dispute of Inaccurate Information
Remove or Correct Inaccurate Negative Information
Remove Expired or Debts that are past the Statute of Limitations
Remove Debt that is not yours
Correct Bankruptcy Information
File Motion to Remove Judgment of Public Record (if your state law allows).
Remove Judgment from Record (if motion is granted by the court).
Remove Unauthorized Credit Inquiries
Things we can not do
Remove Accurate Information (positive or negative) But the creditor must prove it!
Remove Judgments without Court Order
Remove Verified Accurate Inquiries
Make your debts go away
Things we will not do
Provide false information to you or anyone
Make a new Credit file
Make False Promises