You are not at the mercy of the credit agencies. Our credit repair services have been helping consumers repair their credit and improve their FICO score for years. So how does it work? Read more below.
What most consumers don’t realize is that the FTC and Consumer Credit Protection Act have created several regulations forcing credit reporting firms, debt collection services and the big credit bureaus themselves have to comply with for any record to to remain on a credit report. Once Big Credit Repair has received your case, an experienced credit specialist will analyze your report for the purpose of determining what data can be contested. Additionally your dedicated specialist will be tasked will figuring out the best path to take to dispute inaccuracies in your credit history. Big Credit Repair then challenges derogatory items with a letter demanding the reporting company prove that they are in compliance with the laws and regulations and demanding that the challenged items be removed. The process is repeated with each of the three major credit reporting agencies.
Within 35 to 45 days after disputing, the credit bureaus respond with a summary that shows the results of each challenge made. Our overall average success rate in removing unverifiable derogatory items is 85% to 95%. Best of all, the items that tend to be removed first are those that are the most harmful to your report, such as bankruptcies, tax liens, judgments, charge-offs, repossessions and student loans. While the full process takes an average of four to six months in most cases, many clients see enough improvement in their score to allow them to qualify for a mortgage or low interest car loan in as little as 45 to 90 days.
HOW WILL I RECEIVE THE CREDIT REPORTS?
The credit bureaus will mail your credit reports to your mailing address, and you must forward them to us. The only way that we will be able to dispute the credit reports is if you send them to us. We ask that you follow the instructions that you will receive from us and mail, email or fax all correspondence from the credit reporting agencies to our office as soon as you have received them.
THE DETAILS
The Credit Repair Service we provide utilizes a state-of-the-art computer technology so that we may keep up with your progress better than any other credit repair service. We developed a tracking system that will not allow anything to “slip through the cracks.” You can rely on our extensive knowledge of the Fair Credit Reporting Act and the Fair Debt Collections Practice Act, along with our many years of experience and time proven letter writing, forms and Lawful Notices. Our service can remove inaccurate negative, unverifiable and incomplete information from your credit reports with all three major credit reporting agencies.
HISTORY OF AMERICAN CREDIT
You’re not alone. Just watch this video on American Credit History. Let us help you repair your credit and help you keep it that way.