Get All The Facts
The Credit Bureaus are not on your side. They work for themselves, in their own benefits. But we know how they work, and we're here to serve you, not them. See What They Hide
Bad Credit Costs
Bad credit causes high interest rates, unforgiving loans, and other similar problems. By fixing bad credit, you actually get the credit you need to get back on track to a prosperous life. Contact us, and we can set you up with an estimate - showing you costs, and more importantly, your benefits. Learn More
What The Bureaus Don't Want You To Know
Credit Repair is Legal
Although the credit bureaus would like to have you think otherwise, there is absolutely nothing illegal about disputing questionable items on your credit report. In fact, the Fair Credit Reporting Act (FCRA) gives you the right to accurate credit reporting. By law you can have your questionable credit listings either verified as accurate or removed from your credit reports. Moreover, the federal Fair Credit Billing Act affords consumers the right to request extensive information regarding billing and account history. And, finally, the Fair Debt Collection Practices Act allocates specific rights to citizens regarding accounts that have passed into collection status.
Do I need to pay my bills?
Will it restore my credit?
When you pay an old debt, the negative credit listing doesn't disappear. Once paid, it may appear on your credit report as a paid delinquency, charge off or collection (whatever the case may be.) If there are delinquent accounts appearing on your credit reports that have not been paid off, the actual debt behind the listing remains the same even if the account is deleted from your credit report. If you don't pay the debt, the creditor or a collection agency may re-report the item. So removing the listing without addressing the debt is only a temporary solution. In fact, we will only dispute credit listings that you indicate are inaccurate, unverifiable or misleading. If you feel that a negative credit listing is 100% accurate, timely and verifiable, then you shouldn't dispute it.
American Public's Credit Scores
Fair Isaac reports that the American public's credit scores break out along these lines:
| Grade | Credit Score | Percentage |
|---|---|---|
| F | 499 and below | 2% |
| D | 500-549 | 5% |
| C | 550-599 | 8% |
| C+ | 600-649 | 12% |
| B | 650-699 | 15% |
| B+ | 700-749 | 18% |
| A | 750-799 | 27% |
| A+ | 800 and above | 13% |
