Our experts will discover where your credit score is lacking and will create a plan to repair it immediately. We will repair your credit so you can get financing for your personal needs, start a new job, and enjoy a lower interest rate.
Book Free ConsultationYour credit score plays a vital role in your day-to-day life. It controls the interest rates you qualify for on loans, your affordability for renting an apartment, and how likely an employer is to hire you. A bad credit score is usually the result of many small credit issues that accumulate over time.
There is no end to the issues that can negatively impact your credit. Bad credit amplifies the issues that you already have.
We actually compete with our clients. Our work is not based on generic tips or templates but rather on a thorough analysis of our clients' credit reports. We take apart your credit reports line by line to figure out what is pulling your score down. Once identified, we go after it.
Here's what that looks like:
Every case is unique, so every plan starts with an actual review of your credit report and does not rely on a generic checklist.
We pull your credit reports from each of the three credit bureaus and outline the scores with you to describe the analysis of what is negatively affecting your score.
Based on our analysis, we prioritize a procedure to target the items that have the most negative impact on your credit score, while describing other credit score negative impact factors that are not as prioritized, but will take time for your credit score to improve.
During this phase, we start formal disputes with the credit bureaus and negotiate directly with creditors. This is typically where you start to see movement in your score.
We provide regular reports on the status of disputed items and your credit score.
After we successfully address the issues, we help you develop positive credit behaviors such as goal setting around targeted credit utilization, improving payment timing, and other positive credit behaviors to help keep your credit score growing.
Bad credit is often just one of the many credit challenges you will be dealing with. If that is the case, please check out our related services:
Bad credit affects you every day with higher interest rates and even more credit denials. Let our credit report specialists review your file for free and demonstrate what we can legally remove to improve your credit.
Yes. You have a legal right to dispute inaccurate, incomplete, or unverifiable information on your credit report under the Fair Credit Reporting Act (FCRA). This is a process we will professionally and exhaustively manage for you.
It depends. An easily correctable error can be fixed in as little as 30-45 days. More complex cases that involve multiple collections or charge-offs can take several months of constant dispute and negotiation work.
No. Any credit repair service that promises you this number is misleading you. We, however, can guarantee that we will thoroughly and accurately review your report, and we will target every negative item that unjustly brings your score down.
No. We only dispute items that we believe should not be reported, are outdated, and are unverified. Negative information that is reported correctly and accurately will not be removed.
This is one of the most common reasons people come to us. Doing it yourself usually leads to generic disputes that the bureaus easily dismiss. We know how to draft and document disputes that hold up in court.
Book your free consultation and get a plan built specifically for your situation.
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