Short Sale

Debt Restructuring

Deposit Recovery

Loan Modification

Short Refinance

Deed in Lieu

Forebearance
Credit Repair
You are probably on this site as a result of some sort of mortgage situation. Each type of loss mitigation typically has some affect on your credit. Therefore, it is possible that your credit is or will shortly be impaired. In order to best evaluate your options, we offer you some thoughts.

Why credit repair?

In the court system, you are presumed innocent until proven guilty. However, in the credit system, it may feel as though you are guilty until you prove your innocence.

Thankfully, the law gives you the right to dispute any credit listing on your credit reports that you feel may be inaccurate, untimely, misleading, biased, incomplete or unverifiable (questionable items). If a credit bureau can't verify the accuracy of a disputed listing, then it must be removed from your credit report.

The Fair Credit Reporting Act (FCRA) gives you the right to accurate credit reporting. Exercise that right by having your questionable credit listings either verified as accurate or removed from your credit reports according to the law.


Credit Repair – Is Your Credit Report Accurate?

Getting a professional to analyze your credit report can result in the removal of erroneous, old, or duplicated information.


What is Credit Repair?


A credit report is an important document for any consumer. One’s credit report and resultant score determines whether a lender is willing to give credit and at what interest rate. The lower the score, the greater the risk for a lender, because a low score is indicative of poor payment history. Such history may include late or missed payments, collections for nonpayment of debt, bankruptcies (for 10 years), and any other negative information about an individual’s credit and debt history. When an individual believes that there are incorrect items on a credit report or that old debt is still affecting a report negatively, the services of credit repair can be secured, in an attempt to remove the information and improve your credit score.



Essentially, credit repair professionals attempt to secure the following changes:



  1. Secure the removal of information that is incorrect.
  2. Secure the removal of information that is old and should not still be on the report
  3. Secure the removal of multiple reportings of the same bad debt or payment history. For example, if a debtor defaulted on a credit card debt, the creditor may report that default. Once the debt is turned over to a collection agency, the same debt may appear again. And, if a suit is filed for payment of the debt, that debt will appear again under “public records.” There are then three reportings of the same bad debt, and two of them should be removed. Removal of these two will bump up a credit score

Why act now?

As lending options for consumers with poor credit continue to decrease, having a healthy credit score has never been more important. When you consider that the only alternative is waiting seven years for credit problems to go away, there's no better time to act than the present.

You have an incredible array of rights when it comes to improving your credit, but you must take action on those rights to make them work for you.



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