The main difference between a dispute letter process and a pre-litigation process is the steps involved and the success rate achieved. We follow all regulations under the Fair Credit Reporting Act (FCRA), and the Credit Repair Organizations Act (CROA). Our credit repair services are honest, lawful, and always focused on long-term results—not quick fixes. We help clients all over the country leverage state and federal laws and regulations and your rights as a consumer to challenge negative information placed on your credit report. When selecting a credit repair company, consider factors like their experience, customer reviews, transparency in pricing, and the range of services offered. Look for companies with a proven track record of helping clients and those that align with your specific credit repair goals.
Better Credit, Easier
Working to increase your credit score to at least a 660 will help keep you from having to pay high interest rates on future loans. Credit restoration, on the other hand, has more to do with restoring lost or stolen credit cards and other sensitive information that could further harm your credit score. Regardless of how your credit score ranks, if fraud or other suspicious activity occurs, your score could be negatively impacted. Credit restoration aims to help re-balance and protect your credit score. It’s possible to experience a drop in your credit score if an older account is deleted.
What Is The Credit Repair Organizations Act?
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It’s worth noting that there are some credit actions that cannot be removed from your credit reports, no matter what, including past bankruptcies. Removing collections from your credit report is also impossible if the information is correct. This provider also offers a free consultation over the phone, and plans range from $79.99 per month to $119.99 per month. Also, note that this company charges an “initial work fee” of $99 to $195, depending on the plan you choose. The Credit Pros offers affordable plans to help you increase your credit score so you pay less for the essentials (and the extras) in life.
Our History
It’s difficult to last in the Credit Repair industry, unless you provide reliable results plus incredible customer service…and we do. We have been in the industry for over 15 years – not many other companies can say the same thing. Open a savings account or open a Certificate of Deposit (see interest rates) and start saving your money. Make purchases with your debit card, and bank from almost anywhere by phone, tablet or computer and more than 15,000 ATMs and 5,000 branches.
You put an amount equal to your credit limit in an account as a deposit. You can seek out a nonprofit credit counseling service, where services will either be free or at a much lower fee than for-profit credit counseling. In some instances, it may be nice to have a company advocating for you to the credit bureaus, given that they can be unresponsive to credit disputes filed by consumers. However, they aren’t doing anything someone with the time and inclination couldn’t do themselves. Payment history makes up 35% of your FICO score and 40% of your VantageScore. Settling those debts stops the bleeding, so your credit score doesn’t get any worse due to outstanding late payments.