Credit Improves Interest Rates

Why repair your credit? Like most people, you work hard for your money! Unfortunately, everything you buy with credit will COST YOU a lot more when you have blemishes on your credit.

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When negative information is on your report you will become the victim of higher interest rates and more. You will pay THOUSANDS of unnecessary dollars, and most likely much more than your neighbors with better credit scores.

Lower Scores Cost You:

  • More for your mortgage
  • More for your auto loan
  • More for your home owners insurance
  • More for your Credit Card Interest rates
  • You pay more for utility deposits
  • You may lose on a job offer

Chances are, if you are reading this you may be one of  the 96.1% of Americans with an error on your report 29% with an error serious enough to result in credit denial.

The Good News - You have the legal right under the Fair Credit Reporting Act (FCR) to challenge any item on your credit report that may be misleading, incomplete or unverifiable / questionable. If  challenged item cannot be verified, the credit bureaus must remove it. This sounds easy but most find it neat impossible to do on their own. Having a professional advocate for you who knows the law and the most effective methods yields you the best results.

We use ALL the laws on the books to fight for your rights!

Our competitors ONLY use the fair credit reporting (FCRA) and send out no more than three letters only to the credit bureaus every 30 - 60 days, If you are lucky, they might dispute a couple collection agencies.

What we do is not ONLY dispute the bureaus, we also customize letters to the companies that put the information in your credit report to begin with, We do not limit our service to a certain number of disputes. The number of letters we send is unlimited. No matter how many companies there are on your reports, we hold then accountable to the letter of the law using ALL the existing current consumer laws.