Most importantly our goal is to educate others about credit and to help everyone achieve financial success. creditrepair takes a unique approach to our restoration process. We help you achieve your goals by customizing a plan to fit your needs. Banks today worry about mitigating their risk when it comes to lending. You will have 24/7 access to our Client Portal to check your client status as your file is updated and access to educational information. When requested, stop phone calls from collection agencies with cease and desist letters.

Why You Don’t Need To Hire A Company

This free service can also report your phone, utility and rent payments (more on that below). For example, if your credit cards have a total credit limit of $10,000, you generally don’t want to spend more than $3,000 at any given time across your cards. One of the most important is your credit utilization ratio, which measures how much of your credit limit you’re using at any given time compared to your available total. If you spot any incorrect information on your credit report, you can dispute it by writing a letter to the appropriate credit reporting agency.

Home and Auto refinancing are often able to be obtained after successful completion of our credit repair program. Allowing you to not only obtain lower interest rates but to ultimately substantially lower your debt to income ratio (DTI) in the process. Schedule your free credit analysis today to see how we can help you. Phenix Group is hands down the best credit repair company for anyone looking to improve their credit to buy a home, car, etc. As a lending professional, I can attest that they are head and shoulders above other credit restoration outfits.

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Stay in control with 24/7 alerts and unlimited access to your credit data. Ask questions before you sign up and make sure you understand the scope of the service. Those legal issues make it difficult to recommend the Company.

If You Do Not Qualify For A Regular Credit Card, Try A Secured Card

They go to work right away on disputing what on your credit report. To request that we reissue the check to the “estate of” the individual who received a check, a written request must be submitted by email by the executor of the estate. These requests must come from the executor, and the executor must provide the death certificate of the deceased harmed consumer, proof of identity, and a legal documentation providing proof of executorship. Please keep in mind, sometimes deposits are not immediately available from your bank after depositing. Please be patient and keep in mind that customer service wait times may be long due to the large number of check recipients. If funds remain after the distribution is complete, additional checks may be sent to consumers who cashed their initial check.

Whether you have a good or bad credit history also affects how much you’ll have to pay to borrow money. If there’s a lot of negative information in your report, you might have to pay more in interest. If you check your credit reports and find errors, you have a legal right to dispute them. Under the Fair Credit Reporting Act (FRCA), you can send a dispute letter to the three major credit bureaus about errors in their report(s). You should provide account numbers and other details about the errors you’re trying to have corrected.

Keep these benefits in mind as you work to improve your credit score. My years of experience, understanding of credit worthiness and my direct involvement with your case is what makes the difference with Credit Restoration Institute. I know exactly how a credit report needs to look for you to get ideal terms on purchasing a new car or home. Credit Recovery Group works with each and every client to understand their financial goals to obtain the best results for their credit report corrections. Did you know nearly every single “Big-Box Credit Repair Company Competitor” uses cheap, weak, & ineffective electronic disputes that you can do for FREE on Credit Karma?