How Credit Repair Works

The three major credit reporting agencies are Equifax, Experian and Transunion.  These are multi-million dollar corporations that operate for profit.  They are not affiliated with the government in any way.  They make their money by selling your personal information to creditors for credit and insurance offers.  They also sell your information to employers and landlords but worst of all, they sell your private personal information to telemarketers and mailing list companies without your permission.  The point we are trying to make is that these big corporations do not have your best interest in mind.  They will admit that errors exist on credit bureaus, but they go on to state that it is not their job to ensure the information is accurate.  It is up to you, the consumer, to prove that your report is inaccurate.


The Federal Trade Commission and Consumer Credit Protection Act have enacted hundreds of regulations that credit reporting companies, collection agencies and credit bureaus must comply with in order for any reported item to remain on your report.  When Expert Credit Consulting receives your file, a skilled credit analyst reviews your reports to determine which items can be challenged and the best way to dispute them to help improve your credit profile.   The process is ongoing with each of the three major credit reporting agencies.

Within 30 to 36 days after disputing your credit file, the credit bureaus respond with a summary that shows the results of each challenge made.  Our overall average success rate in removing unverifiable derogatory items is 85% to 90%, in most cases.  Best of all, the items that tend to be removed first are those that are the most harmful to your report, such as bankruptcies, tax liens, judgments, charge-offs and repossessions.  While the full process takes an average of three to six disputes in most cases, many clients see enough improvement in their score to allow them to qualify for a mortgage or low interest car loan in as little as 60 to 90 days (Keep in mind that results may vary).

The credit bureaus will mail your credit reports to your mailing address, and you must forward them to us immediately.  The only way that we will be able to dispute the negative information on the credit reports is if you send them to us.  We ask that you follow the instructions that you will receive from us and mail, email or fax all correspondence from the credit reporting agencies to our office as soon as you receive them.  It is pertinent that you follow our directions precisely and remain consistent with the instructions we give you to follow.

You can rely on our extensive knowledge of the Fair Credit Reporting Act and the Fair Debt Collections Practice Act, along with our many years of experience and time proven disputing.  Our service can remove inaccurate negative, unverifiable and incomplete, out of date & obsolete information from your credit reports with all three major credit reporting agencies.  This includes removing.

* Bankruptcies

* Tax Liens

* Inquiries

* Civil Liens

* Wrong Addresses

* Judgments

* Incorrect SS Numbers

* Foreclosures

* Incorrect Birth Dates

* Slow Pays

* Incorrect Places of Employment

* No Pays

* Charge Offs

* Repossessions

* Medical Bills

 

We have had great success helping people with every kind of credit problem.  After utilizing our service, many clients have been able to buy a new home, a new car, or just meet the credit needs of their family.

Our Credit Repair Service has helped thousands of people restore their credit and raise their credit Score.  There are companies out there that guarantee results, but they do not care about you or your credit situation.  If you do not send your reports back to them, they do not care because they already have your money.  We stay in contact with you to make sure you are sending your credit reports to us so we can continue disputing the information.  If you follow our direction and cooperate with the process, we guarantee results or we will refund your money.

Click on the photo below to be directed to our CPN/SCN Credit Building site

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Info About Credit Scores

Click here for information about credit scores and tips on how to improve your score.

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© 2019 by Expert Credit Consultants, Inc. 

Expert Credit Consultants Inc does not provide tax, legal or financial advice. Individual results may vary... All rights reserved.