Credit score fixing and how to improve


A credit score is important to continue obtaining financial assistance and also for availing rented accommodation. A good score ups the chances whereas a low score reduces it. While it is everyone’s intent to keep it as high as possible, it does not happen that way in reality. Often things go wrong in life such as a lost job or reduction in salary or sudden medical expense, etc. Such unforeseen events lead to financial upheavals.

At such times, people begin wondering, “Can credit repair companies fix my credit report/damage?” Credit repair isn’t simple. There are certain things that will stay in the report. Bankruptcy, judgment, etc. are items that can’t be removed. Before engaging a credit repair company in fixing the score, ask upfront what all they can do and what they can’t so you know how to approach the matter. It is important and useful to be realistic about it and not harbor expectations that are unreal. Also, it pays to be aware of what can be fixed and what can’t so you don’t get scammed.

The consumer needs to be aware of his rights and also what he should do – such as contact the credit bureau directly, take actions like disputing the wrong information in the report, etc. Credit repair companies aren’t supposed to charge any fees upfront before they begin taking any action. They should disclose the total cost and also provide a three-day right to cancel without any charge, and how long it will take to start seeing results. Any negative information that is accurate will stay for seven years. Bankruptcies stay for ten years, and criminal information will stay forever.

Any other items that are incorrect or wrong can be fixed and sometimes it is possible to fix them yourself. The consumer is entitled to a copy of the report (free of charge), and if you are facing a problem of credit denial or employment refusal because of a lousy credit report, you are entitled to a copy of a free report.

Mistakes and old items can be disputed for free and through the credit-reporting bureaus. The bureau investigates the matter within 30 days, and a consumer can contact the company that made a mistake in order that they can correct it. Consumers can also ask the bureau to send it to all those who have received the report in the last six months after correcting it.

It takes time, effort and a solid plan to get out of debt that reflects in the credit report. For more info. on how to correct the issue at hand, contact us at 844-626-1799. We are based in NY and have years of experience helping customers reduce their debt and improve their credit scores. Our solutions are customized based one each customer’s needs.

Look us up on Google and call us for any questions. Our executive will do their best to answer them.




Tips And Tricks For Repairing Your Bad Credit Score


There is no doubt that self help credit repair is not the best option available. However, you may not be in the position to employ a professional to take up the task. It may not have to do with money alone.

You might have had a bad experience with a professional and might begin on trying self help credit repair before you approach a professional again. If you want to enjoy quick credit repair, just keep the following tips in mind.

Focus on errors. There are numerous mistakes in credit reports. You can easily boost your credit score and improve your finances before employing a professional if you exploit this factor. The best part is that the law will work on your side.

The Fair Credit Reporting Act insists that each and every dispute raised on the credit report must be verified in a span of 30 days. It will automatically be removed if the information can not be verified. If you want to repair your own bad credit, you should take remedial action by raising disputes as early as possible.

Secondly, you should visit websites of regulatory bodies and find out information about the manner in which your credit score is computed. If you discover that there is a lot of importance being placed on your credit card debt and if your debt is not being managed properly, you can focus on improving your condition by reading your debts on time.

Of course, this is presuming that you were ignoring your credit card debt without knowing how badly it can affect your score. On the other hand, if you are not earning enough, you should also consider relief options to overcome your credit issues before you proceed any further.

Thirdly, you should request your friend or relative to add your name to their credit report. This simple trick will help you save a lot of money even as you try and improve your score. Each and every positive financial transaction carried out by the friend or relative will work in your favor. You need not do anything else to improve your score to manageable levels.

If you have any further doubts, you can check out various self help credit repair forums and blogs this will give you detailed information on the right way to proceed. Or, you can save some money and employ a professional that will simplify the task completely.

The process to erase bad credit can be time consuming. If you are working within a certain time frame and need a faster process, options are available. Reading through your credit report and eliminating the negative marks, through disputation, can erase bad credit.