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.
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