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A Quick Overview of Credit Repair History: In the 1960s, the regions of Pennsylvania, Delaware, and New Jersey saw the onset of credit reporting. Smaller regional agencies maintained records of individuals to monitor their loan habits and how they managed debt repayments. Local financial institutions utilized these profiles to aid their underwriting processes, determining whether to grant a new loan to an individual.

Over the next decade, credit reporting agencies went from localized businesses to the national credit reporting agencies we know today. Almost all lenders and creditors go through all three credit bureaus (Experian, Equifax, and TransUnion) to receive consumer credit reports.

That’s good for consumers because it means they only need to worry about three credit reports. As long as you review those three reports regularly and make sure they are error-free, you can present the best possible credit profile when someone checks your credit. read more…

Credit Repair

These credit solutions focus on challenging eligible credit entries. WHAT A CREDIT REPAIR SERVICE CAN ASSIST YOU WITH: Mistakes: These are the most straightforward entries to challenge and rectify. For instance, the credit bureau might have an incorrect sum for one of your outstanding amounts, impacting your credit rating. Any entry that could lead to misunderstandings, like a typo in your name or misplaced decimals in amounts owed, can be addressed. Outdated Entries: Specific adverse entries have a set duration for which they can stay on your record.

For example, a tough credit inquiry (it happens when you ask for a loan such as a mortgage or car loan) can only stay on your record for two years.

Another example, late payments affect your credit history for up to 7 years. Hiring the service of a professional will help you navigate your history and identify these opportunities.
Fraudulent accounts: If you have been a victim of identity theft, these records will damage your credit history.

Without a doubt, you need to report an identity theft case immediately and seek professional advice.
Records that cannot be verified: Certain records in your credit history that cannot be corroborated with the institutions that report them.

If some of your records do not have the documentation to verify that these records belong to you, they could be removed from your record.

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HOW DOES THE CREDIT REPAIR SERVICE WORK AND HOW MUCH DOES IT COST?
The first step is a free consultation to go over services, your credit history, and expectations.

Most of these offices charge around $80 to $100 USD per month. You can cancel the service whenever you want – although don’t expect instant results – certain records can take months to be successfully disputed.
With a credit repair service, you will receive access to your credit history, as well as a plan to check and dispute records.
The Fair Credit Reporting Act (FCRA) grants the legal right to dispute records so that individuals have a correct credit score.
While there are online free credit tools to dispute records on your own, a repair service is a good idea since they know how to navigate credit histories.

A professional will always be more effective in identifying the records that can be erased. As well as presenting the paperwork and evidence to the corresponding authorities.
The credit bureau has 30 days to process claims and report their results in writing.

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WHAT ELSE CAN I DO TO IMPROVE MY CREDIT?
A credit repair service is just one part of the process of improving your credit score. Good financial habits are the key to the long term.
If you continue to have late credit card payments, use automatic payment features to pay the monthly minimum – at the very least.

If you have a lot of debts on your cards, look to consolidate them so that you can pay them off once and for all.
At the end of the day, don’t spend what you don’t have with credit cards.

Remember that a credit card should only be used to build your credit, so it is a good strategy to build credit fast, to pay with the card for things that you could pay with cash today.

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KNOW YOUR USA CREDIT SCORE IN DETAIL
Get a report with the details of what things have affected your credit and what actions you can take to raise your Credit Score .
Instant access to all 3 Credit Scores (TransUnion, Experian and Equifax)

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You may also be interested in, National Debt Relief Program

 

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