Services

Credit Removal

A recent study by the U.S. Public Interest Research Group found that over 70 percent of all credit reports contained errors.

These negative marks on your credit history can have devastating consequences. CSR investigates these errors on your credit report and challenges the credit reporting agencies and/or creditors on your behalf to make sure every entry on your credit report is 100% accurate. By the law, we hold your creditors responsible for the damages caused by inaccuracies on your credit reports.

We make sure the collection accounts, charge-offs, slow pays, tax liens, foreclosures, bankruptcies, repossessions, delinquent student loans and judgements that don’t belong on your credit report are removed. We also make sure the good credit you have remains on the credit report. We help to restore your credit by demanding that your creditors comply with the federal laws listed below to protect you, our valued client:

1. Fair Credit Reporting Act

2. Fair Debt Collection Practices Act

3. Fair and Accurate Credit Transaction Act

4. Health Insurance Portability and Accountability Act

5. Fair Credit Billing Act

Inquiry Removal

Sign up with www.privacyguard.com and try to get a merged report.
Count your credit inquiries on Experian, Transunion and Equifax
Fill out the form or call us to order. Please provide all information that we ask in the form to prevent a delay).
As soon as the payment goes through we will process your request.
You will be able to see your credit inquiries removed online.

CREDIT INQUIRIES THAT SHOULD STAY ON YOUR REPORT.

Please Note: We do not remove credit inquiries that are attached to OPEN BUSINESS and/or PERSONAL revolving and/or installment accounts. Also if you opened a personal and/or business bank account and bank run you credit. Credit inquiry will stay on the report. If you asked for credit limit increase and bank run your credit then credit inquiry will stay on report. Credit inquiries generated through Auto, Mortgage, Rent, and Employment, Denied credit application or closed accounts can be removed.

$30 removal fee for all credit reporting agencies Experian, Equifax and Transunion,

We do not charge per removal per agency, its just a $30 fee per inquiry for all agencies.

ChexSystems Removal

ChexSystems Removal 1-3 items $450.

ChexSystems is a check verification service and consumer credit reporting agency owned by the eFunds subsidiary of Fidelity National Information Services. It provides information about the use of deposit accounts by consumers.

Having a written or having checks bounce can go against you when opening a bank account. Our team of credit repair specialists can help.

We can help remove those negative items from your report to help you get a bank account again!!!

We try to address information about our services as well as helpful information regarding credit.

Is Credit Repair Legal?

Yes, it 100% legal. According to the FTC (Federal Trade Commission) and the FCRA (Fair Credit Reporting Act) a consumer has the right to question and ask for an investigation for every negative item on their credit report.

How long does it take to repair a credit file?

The average credit file takes 3 to 6 months to repair.

How many Credit Bureaus are there and why do I have different credit scores?

There are 3 major Credit Bureaus: Experian, Equifax and Trans Union. All three bureaus act independently and all have their own scoring systems.

What kind of information will I find on my credit report?

Your credit report contains your personal information (name address, date of birth, SS#, etc.); it is made up of your entire credit history, both positive and negative, for the last 7 to 10 years.

What affects my score?

Account Mix: If you have too much of one type of debt this will lower your score.
History: Length of credit history, number of credit card accounts, credit card activity, credit card balances, charge off accounts, late payments, collection accounts, public records, number of inquiries.
What type of balances should I maintain?
Your credit card balance should be between 20-50% of your credit card limit. (eg: If your credit card limit is $1000, your balance should stay between$200-$500)

What is your 100% Guarantee?

You are entitled to a 100% refund if:

You have had six months from the time you retain our services.
You have at least four negatives on the credit report at the time of sign-up.
You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.

(Clients should receive updated credit reports every 15-45 days. It is the client’s responsibility to make us aware if updated reports have not been received).

What type of balances should I maintain?

Your credit card balance should be between 20-50% of your credit card limit. (eg: If your credit card limit is $1000, your balance should stay between$200-$500).

What are the different types of negative accounts?

Late Payments, Charge off Accounts, Collection Accounts, Public Records (Bankruptcies, Judgments, Tax Liens)
how long does negative information stay on my credit report)

Late Payments: 7 years
Charge off Accounts: 7 years
Collection Accounts: 7 years
Public Records: Judgments: 7 years
Bankruptcies: 10 years
Paid Tax Liens: 10-15 years
Unpaid Tax Liens: Indefinitely
How are negative items removed?

Negative items are removed by requesting the Credit Bureaus to investigate the creditors and verify the negative information they are reporting according to the guideline s in the FCRA.

What if the negative information belongs to me?

The FCRA states that even if negative information belongs to you, if the information contains any inaccuracies, is not being reported and handled according to the guidelines set by the FCRA or cannot be verified in its entirety, then by law it must be removed. Statistics show that inaccuracies occurs more than 70% of the time in a credit file.