Without active involvement in your credit, the Credit Bureaus retain negative and derogatory items on your credit for a lengthy 7 to 10 years. They, however, cannot guarantee the accuracy and correctness of the information being reported on your credit – information that can prove costly and detrimental to your ability to obtain a mortgage, a car, an apartment and in many cases, even a job.
The Fair Credit Reporting Act allows you to challenge the information that is being reported for its accuracy and completeness. This information needs to be verified within 30 days by the creditor who is reporting the negative information. Failure to verify its accuracy and authenticity means it must be deleted by the reporting credit bureau. We work to leverage your rights with the creditors and the credit bureaus to remove inaccurate and incomplete information that might be proving costly and limiting to your chances of leveraging your credit into economic freedom.
We offer a free credit consultation and work with you to pinpoint the areas that are most detrimental to you. In addition, we suggest ways in which you should start re-establishing good credit. But ultimately, we work to have removed from your credit report, any inaccuracies, unverifiable, incomplete, duplicated or erroneous items. The process can be long and painstaking depending on the kinds of derogatory items being reported. But we are prepared to go the long haul and do battle on your behalf.
Our clients have found success with the removal of bankruptcies, repossessions, charge-offs, late payments, liens, judgements, inquiries and old addresses. The initial dispute process typically takes from 30-45 days, but the total length of time depends on the individual credit file. The entirety of the process can take from 1-9 months, sometimes even longer.
We work to aggressively ensure that your creditors are being responsible with the information they report to the bureaus. However, there is no guarantee in the removal process.
The initial set-up payment is $125 and $99 per month thereafter. Clients are required to subscribe to monthly credit monitoring with www.IdentityIQ.com for a monthly fee of $29.99 while your services are being rendered.
Once the initial payment is made, a credit repair expert will contact you by email to request the submission of your personal documentation.