Next we initiate your “deletion gameplan” for your unfair negative items. First we carefully match the correct Credit Laws with each corresponding unfair negative item to reference in your customized dispute letters. For consumer debt we often reference F.D.C.P.A. Laws and for medical debt we often use H.I.P.P.A. Privacy Laws. Now we have the facts to write a series of very aggressive personalized deletion letters to each Corrupt Credit Bureau, Unfair Original Creditor, and/or Unethical Collection Company!
Only Bill Customers For Completed Services
If they don’t prove or respond within 30 to 45 days then they are required to deletion the item per the F.C.R.A. Fair Credit Reporting Act. Your only responsibility is to stay connected to your Credit Team via phone, sms, ZOOM meetings, & your Credit Coach Tracker Portal. Make payments on time, every time — your payment history makes up the largest chunk of your score. Even a single missed payment can stay on your report for up to seven years. Consider setting up automatic payments for all your accounts to avoid unintentionally missing payment deadlines. If you decide to move forward, expect a monthly fee of $50 to $150.
Keep Your Credit Utilization Rate Low
Read online reviews from trusted sources and check for open cases in the CFPB’s Consumer Complaint Database. Compare pricing with the level of service each company provides to choose the right option. Just remember that you too can learn what to look for and if you have the time, discipline, and patience to stay on top of the process, you can do it yourself at no cost.
Focuses On Key Areas That Will Positively Affect Your Credit Report:
Jeff Rose, CFP® is a Certified Financial Planner™, founder of Good Financial Cents, and author of the personal finance book Soldier of Finance. Jeff holds a Bachelors in Science in Finance and minor in Accounting from Southern Illinois University – Carbondale. In addition to his CFP® designation, he also earned the marks of AAMS® – Accredited Asset Management Specialist – and CRPC® – Chartered Retirement Planning Counselor. While a practicing financial advisor, Jeff was named to Investopedia’s distinguished list of Top 100 advisors (as high as #6) multiple times and CNBC’s Digital Advisory Council. Jeff is an Iraqi combat veteran and served 9 years in the Army National Guard.
Because the credit repair industry sees a lot of scammers, it’s important to know which are the best credit repair companies. I’ve compared companies based on their offerings, pricing, and reputation to help you get started. Some, like Credit Saint, offer several packages to choose from, while others, like Credit Glory, only have one package.
Our team of experts provides clear, practical advice on budgeting, credit, saving, investing, and more to help you make smart financial decisions. Whether you’re trying to buy a house, qualify for a credit card, or just get your finances back on track, these steps can help. Most of the strategies professionals use can be done on your own, often for free. With a little time and persistence, you can remove inaccurate negative items, rebuild your credit profile, and take control of your financial future. credit repair near me noting that there are some credit actions that cannot be removed from your credit reports, no matter what, including past bankruptcies.
