Credit Repair

Credit Repair Solution

Credit repair is a general term often applied to the practice of improving or rehabilitating one's financial reputation (creditworthiness) among creditors.

Credit Repair - Free Consultation!

Our Credit analysts will:
  • Review and evaluate your credit report
  • Remove charge-offs
  • Remove collections
  • Remove Court Judgments

Our experts are going to target inaccurate and negative information, negotiate settlements, and ensure that the bureaus follow requirements under the Fair Credit Reporting Act.

 !  Let us help you repair your credit TODAY!

Get Your Life On Track

Making arrangements with the creditors to repay them is often one of the steps in improving one's credit habits. Creditors must accept slow payment schedules as an alternative to writing off the debt. In some cases, creditors may accept a less-than-full repayment (pennies on the dollar). The key is to contact a creditor and take action to retire the debt.
At the same time, reviving an old debt that is no longer collectible can actually do additional damage to one's credit reputation. The best is to be aware of the circumstances regarding the ability to collect the debt, statute of limitations, legal as well as illegal collection practices before contacting a creditor on a very old debt.
In December 2003, Congress passed the Fair and Accurate Credit Transactions Act (FACT Act) which included the right to a free annual credit report after the request and a number of provisions designed to improve the accuracy of credit reports.
On June 4, the Federal Trade Commission finalized the new consumer right to a free credit report. It took them over a nine-month period to introduce; beginning on the West Coast in December 2004 and finishing on the East Coast in September 2005.

Credit Rights

  • The Equal Credit Opportunity Act prohibits the denial of credit because of your sex, race, marital status, religion, national origin, age, or because you receive public assistance.
  • The Fair Credit Reporting Act gives you the right to learn what information is being distributed about you by credit reporting companies.
  • The Truth in Lending Act requires lenders to give you written disclosures of the cost of credit and terms of repayment before you enter into a credit transaction.
  • The Fair Credit Billing Act establishes procedures for resolving billing errors on your credit card accounts.
  • The Fair Debt Collection Practices Act prohibits debt collectors from using unfair or deceptive practices to collect overdue bills that your creditor has forwarded for collection.

Get Better Rates, Make Smarter Decisions

Lenders can look at your credit report from any of the three major credit reporting agencies, and now you can do it too! Get the complete picture of your credit history from all three nationwide credit reporting agencies delivered in a single, easy-to-read report that can help you negotiate with lenders.