Credit Repair – We are dedicated to helping SmartCredit users get back on financial track. We are experts at helping you restore and improve your credit score now!
Remove inaccurate and unverifiable accounts from credit reports while adding positive credit tradelines to increase your credit score. We have a streamlined process to help you achieve maximum results as quickly as possible. We guarantee it!
The credit industry can be a battlefield for those suffering from negative and derogatory credit scores. Many individuals have the disadvantage of higher interest rates, credit denials, and the inability to find experienced help to navigate through the bumps and bruises in this ever- volving economic world. We are here to help direct you to better credit living by engaging in a number of innovative, financial avenues that will improve your credit score.
Average program length: 3 – 6 months
Some clients see full results in as little as 90 days.
You will be required to provide us with your credit reports from all three credit bureaus, Equifax, Transunion and Experian. As an existing SmartCredit user, we will just connect to your account at no cost. Super Easy!
Second, we provide you with a deep credit analysis of your credit report, spotting all inaccurate information. We then look at the various factors that are pulling your credit score down and provide you with actionable steps to get your score back up. Lastly, we provide you with step by step guidance on how to rebuild and restore your credit. We focus on fixing your credit from start to finish. Our goal is to help consumers with bad credit through our restoration program.
Third, we load all of the inaccurate, misleading and unverifiable information into our system, and begin challenging questionable information with the credit bureau, creditor, and collector. Once the dispute letters are ready, we send them out to all and wait 30 to 45 days for updates. You can track your credit repair progress using our online portal. We focus on fixing your credit from start to finish. Our goal is to help consumers with bad credit through our restoration program.
Once the updated credit reports come back, we analyze the updates for any changes to the inaccurate, misleading and unverifiable information. If there are changes, we update your file and then move on to the next inaccurate, misleading and unverifiable item. If the item comes back verified with no change, we follow up with the credit bureaus to try to get a resolution on why the inaccurate information is still on the credit report. We focus on fixing your credit from start to finish. Our goal is to help consumers with bad credit through our credit repair and restoration program.
It typically takes 60-90 days to remove items from your credit report. When we initiate the process, they have time to respond. This is why it is not instant. If we do not hear from them after 3 weeks of submitting your file, we start the process again. Keep in mind that by law, they must respond within 30 days.
If the credit bureaus have not contacted you and it’s been more than 30 days please send us an email letting us know. Due to COVID-19 response time may be slower, but we will follow up and demand a response immediately. This is in compliance with Federal Law.
Yes we remove items from all 3 bureaus, but we charge you only per account not per bureau.
It depends on each client and how many incorrect items on their report need to be disputed. On average, our clients complete their program within six months, if not sooner.
This is a huge issue with all of the bureaus. They report incorrect information all the time. They do not fact check before reporting and there are laws to protect you against that. That’s where we come in. We get those items off and help restore your credit.
We only dispute items we know we can remove or update
We can remove collection accounts, repos, foreclosures, credit cards, loans, charged-off debts, lines of credit, medical bills, child support, liens, judgements, and we can also take off credit inquiries.
Yes we can!
We cannot delete individual late payments if delinquencies are valid however we can if they are inaccurate.
If the account is something a client needs/wants removed, we can delete the entire account.
If items do belong to you, we can still remove them. The credit bureaus and creditors have the burden of proof, not you!
Tradelines are credit cards or loans that report to our credit report. Tradelines that belong to you directly boost your credit score.
Although ranges vary depending on the credit scoring model, generally the rule of thumb is:
740-850 is excellent
680 – 739 is good
620 – 679 is fair
580 – 619 is poor
Below 580 is bad
Ready to take control of your credit?
Let’s build a brighter financial future together. Start today with a free consultation and see how we can help.