Looking for Credit Repair Assistance in Erie, PA You may wonder if there is a way to do it legally and Yes, with our help, We Can Improve Your Credit Score Legally
We know that if you are a resident of Erie on the low side of the credit scores, it can be rather irritating. A poor credit score not only rules out your approval or loans, credit cards, and other borrowings, but increases your interest rate, deposits for utilities and even troubles with housing options. The good news is credit repair is feasible especially when done under the assistance of credit repair services.
We are a legal Erie credit repair firm that can help our clients to challenge and get inaccurate, incomplete, and outdated information removed from their credit reports to increase the likelihood of receiving a better credit rate and terms. That is why we have come across with specific understanding of credit bureaus capabilities or limitations in regard to your credit report rights. Our team of certified credit consultants will act on your behalf to hold the credit bureaus to account and follow proper dispute procedure, reinvestigate and update your credit file in the correct manner.
Credit Reprot and Factors affectiing Credit Score if you are a
Before we start arguing with credit report details, we give you a general understanding of all the contents of the credit reports, including hard inquiries, negatives, and late payments. Some of the factors include the number of years you have had credit, the number of credit accounts you hold, and how you have been conducting yourself as far as the credit accounts are concerned. Another 30 percent of the FICO rating is based on the amount of money that is owed and the credit that is being requested.
According to law, one can request a free credit report from Equifax, Experian, and Transunion once, in a year through AnnualCreditReport.com. It is advisable to checkout with the three bureaus before embarking on credit repair to establish the accuracy of the reports. Challenging erroneous information with our assistance helps eliminate the detrimental records negatively impacting the scores.
It’s our unique 5-step Erie Credit repair process
At our Erie credit correction company, our experts will guide you through our customized 5-step credit improvement process:At our Erie credit correction company, our experts will guide you through our customized 5-step credit improvement process:
1. Initial Consultation – The first appointment does not cost a penny, it’s one hour phone or face to face consultation with a qualified credit consultant. This is the best time to go over your current reports, talk about what is damaging your scores the most and develop a legal strategy on how to dispute errors with the credit bureaus.
2. Statement and Documents Collection – Fill in forms will be offered to obtain statements from the parties, and relevant documents and receipts to build up the dispute case while demonstrating that certain items are unverifiable, misleading, or inaccurate.
3. First round of disputes – Within 45 days, we write letters of objection pointing out why certain items should be excluded. Services Disputed Successfully will be archived out of the report permanently.
4. Score Update – The status of client’s score can also be viewed online via a secured score monitor which updates the major bureaus. We provide updates on its status and suggest what the other party should do.
5. Second round disputes – For such items we write second dispute letters and called the reinvestigation department managers for the improved results.
Once a client is taken on, they are assigned a case manager who will be responsible for them throughout the process. We dispute 5-20 items within the first 90 days of account opening and can give as many written disputes as the client wants. It is refreshing to note that most of the clients enjoy the benefits of correcting inaccuracies through gaining 40-100+ points on their scores.
This article is helpful to understand why one should hire a credit repair company to dispute errors from a credit report.
Dispute letters is hence time-consuming and requires adequate knowledge in consumer protection laws governing the credit reporting industry to fix your own credit. When false information pull down your scores, a distinguished Erie credit repair agency such as our own can hasten the means to credit redemption because of the expertise that comes with the job. Our credit experts have submitted thousands of dispute letters similar to yours successfully challenging negative items on credit reports under laws like:Our credit experts have submitted thousands of dispute letters similar to yours successfully challenging negative items on credit reports under laws like:
The Fair Credit Reporting Act (FCRA) – Details on procedures for rectifying the error and dealing with errors.
Fair and Accurate Credit Transactions Act (FACTA) – Outlines extra powers for consumers on credit reports information provided
The Federal Trade Act – Rules and regulation that deals with the behavior of debt collectors when in the process of claiming their money.
We are very aware of what comprises FICO or Vantage credit score and what credit bureaus can report or verify under the federal law. Both our dispute letters identify specific laws that have been violated when reporting information that is inaccurate, misleading or unverifiable, yet you seek to dispute. Dispute letters must be sent to credit bureaus and within 30 days from the receipt of those letters, credit bureaus must carry out a free reinvestigation and if there is something that they cannot say with a high level of confidence is inaccurate and belongs to you, then they must delete it.
Every month negative information appears which should not appear on your credit reports. Why don’t we legally erase these off your record before they further harm your credit worthiness. Call now to schedule your free credit repair consultation with our experts
Faq
1. What are credit repair services in Erie?
Credit repair services in Erie help individuals improve their credit scores by disputing inaccurate information on their credit reports and providing guidance on managing debt.
2. What services do you offer?
We offer a variety of services, locally in Erie. Our services include, credit repair, credit building, credit score review, debt settlement, removal of foreclosure, judgement, bankruptcy, late payments, disputes, inquiries and more.
3. How much does credit repair cost on average?
The cost of credit repair in Erie can vary depending on the company you choose and the extent of your credit problems. The credit score cost starting from $49.99.
4. How long does it take to repair credit in Erie?
The time it takes to repair credit varies depending on your individual situation and the severity of your credit issues.
5. Is it worth repairing credit in Erie?
Yes, repairing credit can be worth it. A good credit score can help you qualify for lower interest rates on loans, such as mortgages and car loans.
6. Are credit repair services in Erie legitimate?
Yes, credit repair services in Erie are legitimate.
