Credit Services

We Have Expanded Our Credit Services.

Many credit repair companies never do the work they promise or simply provide letters to credit bureaus stating the accounts on the bureau do not belong to you – which is not the case 9 times out of 10. Therefore, all the creditor has to do is show proof the account belongs to you in order to keep the negative account on the bureau.

We are a group of creditors, attorneys and financial industry experts and licensed and bonded in Credit Services. You will receive the benefit of our knowledge and experience. We have designed letters that work with the law to challenge the accuracy and verifiability of specific aspects of a credit file such as;

• How were the accrued finance charges calculated – are they 100% accurate?
• How can the exact date of payments be verified?
• Where are the original signatures offering approval for credit consideration?

We can legally reduce or completely eliminate a creditor’s ability to “verify” the “accuracy” of a specific credit file. Thus, their only choice is to remove the file from your credit reports.

When a negative credit file can not be “verified” or is not 100% “accurate”, then it must be removed from the bureaus at the consumer’s request per the Fair Credit Reporting Act. Our experience in lending and credit management allows us to know exactly what a lender can and cannot verify and therefore our letters are more effective and the credit scores can be improved dramatically in a shorter period of time.

What is Someone’s TRUE Credit Score?

A person's true credit score is what exists when all of the negative credit files that are unverifiable, inaccurate or outdated are removed. Credit experts estimate that as much as 80% of credit files contain inaccuracies or are unverifiable.