Why you Need Credit Repair

A credit repair is essential in removing damaging information from your credit report and increasing the quality of your life. A bad credit score negatively impacts every aspect of your life and limits your options.

It can prevent you from getting a better paying job or jobs in certain fields. You pay higher interest rates for mortgages and car loans, in many cases twice the rate of a person with good credit. Also, many landlords won’t rent to someone with bad credit or you may have trouble setting up a utility account in your name.

A Credit Repair is a Necessity

According to the FTC, many people have inaccurate, incomplete and unverified information in their credit report and it is hurting them. When you consider the thousands of dollars wasted on higher interest rates and premiums it is obvious that a credit repair is a necessity to release yourself from the strangle hold of bad credit.

Your Rights

You are entitled to a credit report that is free from inaccuracies, incomplete and unverified information. Consumer credit reporting agencies must investigate disputed information in a credit report and make any necessary corrections under the Federal Credit Reporting Act.

However, they are allowed to keep reporting information that has been verified. The credit reporting agencies verify information by checking to see if the information provided to them matches the information on the credit report. They never investigate if the underlying claim is valid.

Credit Sweep and MCR

The process for disputing information in credit reports is automated. Using dispute forms are ineffective and make it easier for the credit reporting agencies to perform a cursory investigation. It almost guarantees that an actual person will never review your information and the disputed items will not be removed from your file.

That is why we use manual credit repair in our credit sweep. We hand write all dispute letters in a style that is difficult for ORC scanner to read. The letters are not able to be scanned and have to be reviewed by a person. This increases the chances of a thorough investigation and negative information being removed from your credit report.

Credit Repair for Financial Security

A credit repair helps to raise your credit score and giving you more options when it comes to your money. It can save you thousands of dollars allowing you to pay off your debt, save for the home of your dreams or build your retirement account. Secure a better future for you and your family with a credit repair.

Correct Your Credit Report with a Credit Sweep

You can have inaccurate, incomplete, or unverifiable information corrected in your credit report with a credit sweep. Most people, even people with great credit, have inaccurate information on their credit profiles that hurts them. Under the Federal Credit Reporting Act, you have the right to dispute inaccurate or incomplete information in your credit profile. And a credit reporting agency must remove or correct inaccurate, incomplete, or unverifiable information. A credit sweep is an effective way to dispute damaging information on your credit report.  
  

Credit Review and Credit Sweep 

Not reviewing your credit report or skimming over your report is one of the costliest mistakes that you can make. You may miss items that are eligible for correction or deletion because they fall within the inaccurate, incomplete or unverifiable categories. These things have a negative effect on your credit score and make loans more expensive for you.  

The following are a few things to check for: 

·                     Duplicate accounts wrongly increase the amount of your debt.  

·                     Accounts that have been paid off but still show a balance have the same negative effect on your credit as when you owed money on them.  

·                     Underreported credit limits make your debt to credit ratio (how much debt you have compared to how much credit is available) seem greater than it is.  

·                     Late payments have a big impact on your credit because they account for over 1/3 of your credit score. If late payments are incorrectly reported on your credit report you need to address it. 

·                     Debt for which the statute of limitations has passed. The information may remain on your credit report for 7 years but the collector has no legal right to collect the debt. 

A credit sweep can help you to correct or remove this harmful information. 

Manual Credit Repair 

The idea behind a manual credit repair is “the squeaky wheel gets the oil.” Most credit dispute letters are formatted to be easily read by computers. A hand-written dispute letter that can’t be read by a scanner and therefore analyzed by a computer program, is therefore the squeaky wheel that gets attention by a real human. The file must be reviewed by a person instead of being handled by the consumer agency’s automated system. Inaccurate, false, or unverified information is more likely to be removed from a credit report when the dispute is handled by a person. That is why we use manualcredit repair with all of our credit sweeps. 

Protect Your Credit with Credit Sweep 

Use the law to fight against inaccurate, incomplete, and unverified information on your credit profile. You are legally entitled to have this damaging information removed from your reports. And a credit sweep is a fast and effective way to remove all types of negative information. Your credit scores will quickly increase as your credit reports are corrected a creditsweep.