Credit repair is a multi-step process that focuses on auditing your credit report and challenging any inaccuracies.
Steps we take to repair your credit:
- Obtain Credit Reports: We start by obtaining the most recent copies of your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion).
- Credit Profile Audit: Next we carefully review your reports to identify any inaccuracies or discrepancies which may be having a negative impact on your credit.
- Dispute Errors: Once we find errors, we use the law to start drafting disputes with the credit bureaus. They are legally obligated to investigate the disputes within a specified timeframe, usually 30 days.
- Negotiate with Creditors: If you have legitimate debts, we may be able to negotiate with creditors to settle for less than what's owed or have negative items removed from your credit reports in exchange for payment.
- Educate Our Clients: There are many steps you can take to help speed up the process, reduce your debt, and improve your credit. While waiting for the credit bureaus to respond, we provide you with education, tips, and tricks to help you obtain the best credit and raise your score.
- Maintain Good Credit Habits: Going forward, it's important to ensure you pay bills on time, reduce outstanding debt, and be cautious about opening new credit accounts. We'll help you understand how to get the most from your newly improved credit profile.
Remember, the most effective way to repair credit over the long term is to practice good financial habits consistently. While it's tempting to seek quick fixes, the lasting way to build and maintain a good credit score is through fiscal responsibility.