Your credit score is an important part of your financial portfolio. A credit score is a three-digit formula, typically between 300 and 850, which is designed to represent your credit risks, and other financial obligations over the years. The way your credit score is calculated may vary between each of the three Credit Bureaus (Experian, Equifax, and TransUnion) since each agency has different score models. Your scores are typically based on payment history, credit utilization, length of credit history, credit mix and new credit accounts. Credit scores are extremely important, your credit score affects everything from the cost of your insurance premium to your hiring status for employment.
IS CREDIT REPAIR LEGAL?
Yes, credit repair is legal and our credit education and credit transformation program will help use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed.
According to recent studies, 79% of credit reports contain mistakes. With our customized plan and education approach we will increase your scores by disputing inaccurate, unverifiable, and outdated items on your credit report. Usually within 30 days The Credit Bureaus must verify your accounts or remove the disputed items from your credit reports.
HOW LONG DOES THE PROCESS TAKE?
Each client 's case is unique however, our credit restoration program typically takes between 3 to 12 months on average.