Is it real to improve my credit history and raise a credit score fast?
It is perfectly real and we do it for our clients every day. A lot of consumers are falsely convinced that nothing can change credit reports for the better. Luckily, federal law grants an opportunity to dispute incorrect data and improve credit reports. In fact, every individual is personally responsible for having accurate credit reports. We dispute all inaccurate, untimely, biased, questionable and other incorrect items. When bureaus fail to prove that information is correct, they are obliged to delete the record. There are a lot of difficulties and paperwork on the way and we are dedicated to make the process of disputing smooth, fast and efficient. Besides, our winning credit restoration strategy includes not only disputing negative items but also a complex of other measures helping you boost your score fast and enjoy a positive credit history.
Why should I use your credit restoration services?
We are professional consultants assisting clients in increasing credit scores and cleaning credit histories. Many individuals simply do not possess time, experience, and necessary knowledge to improve situation and overcome bureaucracies. We are in business for more than 14 years and possess all the necessary qualifications to raise your credit score fast and help you achieve your goals. Let professionals do the job, sit back and relax.
What is a credit score and why I should be concerned?
A credit score is a number between 350 and 850 which is mathematically calculated based on information on your credit report. The higher your score, the better loan conditions you can obtain. This score helps lenders makes decisions on your case and determines whether you can get credit, a low interest rate or a high credit limit on a credit card, whether you are eligible for an auto loan or a mortgage.
How is my credit score evaluated!
Low credit score is usually the result of late payments, collections and charge-offs. It means that your credit application would be either turned down or you would be offered unfavorable loan conditions with high interest rate. The higher your credit score is, the better loan conditions you would get and the higher sums of money you could borrow. If your credit score is high, you are considered a “prime borrower” and will have no difficulty in obtaining financing on favorable terms.
For how long are negative items displayed on my credit report?
Negative credit information can remain on your credit report for seven years. Chapter 7, Chapter 11 and Chapter 13 bankruptcies are reported for ten years from the date of filing.
What are my credit rights?
1. The right to view your credit report. The credit reporting agencies are obliged by law to supply you with a full report on your credit transactions whenever you request it. You can receive one credit report a year free of charge. The credit reporting agencies are allowed to charge a reasonable fee for every subsequent credit report you request. However, if your credit application has been recently rejected, you are entitled to a free credit report even if you have already requested one that year.
2. The right to know who has checked your credit history. According to the current laws, you are entitled to know every bank, credit card company, employer, etc. which has requested a copy of your credit report.
3. The right to request verification of information you believe is incorrect. It guarantees that the credit reporting agencies will investigate the disputed items. It is an extremely important provision of law allowing you to keep all records on your file updated and correct.
4. The right to insert missing data into your credit history. Sometimes granted credit never makes its way into your credit report. This provision of the law allows you to report positive credit information to the credit reporting agencies and have it entered into your credit report.
5. The right to automatically remove information that is over seven years old (10 years for bankruptcy) from your credit report. It gives you an opportunity to start over again and re- establish yourself after former financial problems.
6. The right to place your personal statement in your credit report. Some people have negative credit due to extraordinary events such as loss of a job, sickness, divorce, etc. This law allows you to include a written statement of 100 words in your credit report. It can be used to explain the reason for bad credit to the future creditors.