Credit Repair Dispute Negitive Credit Report

What do we do?

We will at no cost to you review your credit report. We will then give you an agreement in writing informing you of the items we can address.

• Delete

• Correct

• Dispute and possibly remove / change

• Dispute but most likely will remain.

HONESTY -We will put in writing the results to expect. If your results are not what we promise, you will be refunded or not charged for our service.

When you use another Credit Repair Company you have no idea if they actually filed the disputes.

We prepare your entire Credit Dispute file; send it to you so you can review it, you double check our work then you personally mail it in Pre-Paid Postage Priority Envelopes with Receipt of Delivery ready to go upon your approval to the credit report bureaus!

That's right! We are so sure of our credit repair work we include the entire packet together with a list of items we guarantee will be removed or updated and what to expect. Not to mention we also give you the entire file on a CD-Rom for your records.

Credit Repair can make things a lot easier on you. Repairing bad credit is not easy, but you should repair your credit if you want to get back on your feet again. Our experience comes from dealing with the Courts and Credit Reporting Agencies on a daily basis as we search accuracy for judgments, liens, charge-offs, creditors etc. In the same way we use this information to collect money we use this experience to correct and improve your credit report.

Do not accept False Promises - If you decide to use a credit repair company ask what results they expect for you and get it in writing!

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File Segregation:
New ID Is a Bad Idea

If you have filed for bankruptcy, you may be the target of a credit repair scheme called “file segregation.” In this scheme, you are promised a chance to hide unfavorable credit information by establishing a new credit identity. That may sound perfect, especially if you’re afraid that you won’t get any credit as long as bankruptcy appears on your credit record.

The problem: “File segregation” is illegal. If you use it, you could face fines or even a prison sentence.

The Truth

No one can legally remove accurate and timely negative information from a credit report. The law, does however allow consumers to request an investigation or reinvestigation of the facts and information in your credit file that you dispute as inaccurate or incomplete. There is no charge for this investigation.

Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost.

Reporting Negative Information

• Bankruptcy information can be reported for up to ten years.
• Information reported because of an application for a job with a salary of more than $20,000 has no time limit.
• Information reported because of an application for more than $50,000 worth of credit line or life insurance has no time limitation
• Default information concerning a US Government insured or guaranteed loan can be reported for seven years after certain guarantor actions
• Information concerning a lawsuit or a judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer