The Truth About Credit Repair
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More than 80% of Americans have at least one or
more negative or inaccurate items on their credit
report, and unfortunately, just a small
percentage of those people are aware that
credit restoration is a legal option. By
using the rights provided by Federal law and the Fair
Credit Reporting Act, we have removed tens of thousands
of negative items from our clients credit
reports.
CAN WE REMOVE ALL NEGITIVE
ITEMS?
Many people I
have spoken with ask why I don't say I can remove a
delinquent account or true accurate information. Other
credit repair companies say they can do it, but beleive
me it will re-appear.
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The straight
truth and facts about credit
repair;
New Jersey Attorney
General's office says about Credit
Repair.
The Florida Attorney
General says the same about Repairing
credit.
Guess what, the Texas
Attorney General says the Same about Credit Repair
Companies.
Hey! Here is a
surprise The California Attorney General says the same
about fraudulent credit scams.
Credit
Repair Companies that tell you they can repair your
credit and give you a new credit report profile or build
a new credit file know more about credit repair law then
those who make the laws? I don't think so.
Do not
be taken, I work in accordance with the law. I follow
the guidelines and will get you the best legal results
possible and then teach you how to improve your credit
score once we clean it up to the most accurate state
possible.
What We Do For
You
Our service is performed where we review with
you the reports that Trans Union, Equifax and Experian
have about you. Remember, there are no legal ways to
"fix" your credit, make a "New Credit File" or Delete
accurate information. The only way to improve your
credit score is to remove incorrect negative
information, remove accounts, debts and
judgments that are past the legal time limit. Then
pay your bills on time, do not use your entire
line and keep your accounts monitored. Only time
and effort will bring your score up and our paralegal
staff can help.
1. Help you obtain your Credit
Profile /Credit Report. Print or View More
Information
We require you to have a credit report not more
then 2 weeks old for accuracy.
It may be obtained
via AnnualCreditReport.com or from one of our services A1CreditGuard.com.
2. Review the Credit
Report.
Once you obtain the credit
report we discuss it with you. Then we further review it
on our own, make notes and forward it to you. We then
verify all accounts and disputes you have in preparation
of filing disputes.
Demand debts to be Validated! They Must prove in
writing that the debt is
owed!
3. Data Base &
Tracking
We enter all information in our
state-of-the-art software where we produce all necessary
documents, archive and schedule dates to expect
responses.
4. Your Approval
We
forward all prepared documents to you with credit report
attached for your final review. Once you approve you
will drop in the mail in our postage included Priority
Mail w/ proof of delivery receipt.
Detailed List of
Service5. Your Records
We
include in your delivery a CD-Rom copy of every document
and proofs of mailing. Along with tips on increasing
your credit score once the disputes are
settled.
6. RESULTS!
We do not
take no for an answer! Once you receive the updated
credit reports we make sure your demands were met! If
there are legitimate issues that they refuse to remove
we will demand a 24 hour removal. If they fail to do so
you may opt to file a formal complaint with the Federal
Trade Commission. (They will comply when they realize we
are serious). |
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Be Careful
Toll Free
(800) 358-0805 |
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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!
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
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