Credit Repair Works!

The fastest, most efficient way to rebuild credit is credit repair. With credit repair services, you let experienced professionals lobby for you with your credit bureaus to clean up your credit. You don't have to commit the extraordinary time and effort required to rebuild credit because you have trained experts doing it for you. It's the smart way to rebuild credit.

How Credit Repair Works to Rebuild Credit

Thanks to the Fair Credit Reporting Act, credit repair is now possible. Ever since this legislation, though, unscrupulous creditors have been trying their hardest to make credit repair difficult and complex. Thankfully, though, you do not have to tackle the task alone. You will be dealing with a credit repair company with decades of experience helping thousands of customers rebuild credit. Your credit repair company will take specific, immediate actions to rebuild credit for you. Here is a breakdown of the credit repair process:

  1. Send your credit reports. Once you enroll in credit repair services, your first step will be to forward your credit reports from all three credit bureaus to the credit repair company. The company can also help you get your free credit reports if you do not already have them. Upon each cycle of repairs, the credit bureaus will send you updated credit reports, which you will also forward to the credit repair company. Sending your credit repair company the most up-to-date reports allows them to track their progress on which items have been deleted to rebuild credit.
  2. Select the items you would like to dispute. After the company receives your credit reports, the information will be entered into a database. With an amazingly convenient online service, you can select from your reports which items you would like to dispute. This online service has been streamlined to make it as user-friendly and easy as possible. Disputing items is as easy as pointing and clicking, and you will have taken another step to rebuild credit.
  3. The company works on your case. This is where the dispute process begins. The best credit repair companies are usually law firms, which is definitely an advantage if you are serious about wanting to rebuild credit. The company will come armed with a wealth of experience and proven credit repair strategies. This step might also be repeated in future repair cycles, depending on how many derogatory items you wish to dispute. Usually, this step requires the company to dispute each item in writing.a process that would take an individual hours to complete.
  4. Relax and wait. By law, the credit bureaus have only 30 days to investigate the dispute. Once that time period expires, they are required to let you know of the results of their investigation. They must also then send you a free, updated report. The normal turnaround time from when you submit your dispute to when you receive your updated report is about 60 days. You will make copies of the responses you get from the credit bureaus for your records and also forward a copy to your credit repair company. This is what resets the dispute cycle, except next time you will have fewer derogatory items and be one step closer to rebuilding your credit.

For supplemental ways to improve your credit, check out our 5 Ways to Rebuild Credit page.

 

  
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