THE JOURNEY TO EXCELLENT CREDIT STARTS HERE!

We can ensure that we can enhance your credit scores. However, you must complete two rounds of the dispute process through every one of the credit bureaus and not have any new items show up on your credit reports. We can’t ensure that a specific item will be erased or corrected in a specific timeframe. That would be illegal. We do realize that with assurance and perseverance, this procedure works.

Any information on a credit report can be removed, but it must be removed due to a violation of some type (which you will find described in the Fair Credit Reporting Act) (FCRA). There are many laws written to protect you (the consumer), so anything that violates these laws will cause removal of any accounts including judgments, liens, collections, charge-offs, bankruptcies and late payments that are incorrect, misleading, obsolete or inaccurate.

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or have filed for bankruptcy. Nationwide credit reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that, in turn, use it to evaluate your applications for credit, insurance, employment, or renting a place to live.

Several times a year. Why?
● the information in it affects whether you can get a loan — and how much you will have to pay to borrow money.
● to make sure the information is accurate, complete, and up-to date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.
● to help repair possible identity theft. identity thieves may use your information to open new credit accounts in your name. then, when they don’t pay the bills, the delinquent account is reported on your credit report. inaccurate information like that could affect your ability to get credit, insurance, or even a job.

By law, you’re entitled to a free copy of your credit report from each of the nationwide credit reporting companies — Equifax, Experian, and Transunion — once every 12 months. to order, visit annualcreditreport.com or call 1-877-322-8228.

You may order reports from one, two, or all three of the companies at the same time, or you may stagger your request. Staggering your requests during a 12-month period may be a good way to keep an eye on the accuracy and completeness of the information in your reports. if you’re getting ready to apply for a loan or job, you might want to check all three reports at the same time.