In short, The Credit Corrector Team is here to help make sure that you have every opportunity to improve your financial future through better credit. With bad credit, you may have trouble qualifying for loans or credit cards. It may be difficult to land certain types of jobs or to get an apartment. Perhaps worst of all, you tend to pay more on interest rates, insurance premiums and even security deposits than people with good credit pay for the same.
Benefits Of Using A Credit Repair Company
For example, they shared loan amounts, interest rates, required documentation and turnaround times for the entire loan process, including preapproval, approval and funding. Besides the wait time to speak with a representative, the call was helpful and effective. While some borrowers appreciate SoFi’s simple application and disbursement process, others are dissatisfied with communication and customer service. Borrowers are also frustrated with misleading promotional offers and how their loan inquiries were handled. Accredited Debt Relief is a legitimate debt settlement company founded in 2011. It’s accredited by the Better Business Bureau (BBB) with an A+ rating and holds an accreditation from the Association for Consumer Debt Relief (ACDR).
Create a plan for today and tomorrow with financial education that meets you where you are. Build your future with personalized protection and smart investment options. When deciding which service is best for you, consider each in the context of your specific financial goals and objectives.
How Long Does Credit Repair Take?
Established in 2000, Assert Credit Repair is a full-service credit repair agency that aims to help clients in and around Houston improve their credit scores and financial status. Its credit counselors assist clients in improving their credit scores by thoroughly analyzing credit reports and challenging any discrepancies from clients’ profiles. After scores have improved, the company’s credit counselors educate clients so that they can be more empowered to improve their creditworthiness and maintain their good credit standing.
Essential Credit Report Terms To Know
FICO considers your average age of accounts, the age of your oldest account and the age of the youngest account on your credit report. If you’re successful in getting a negative, incorrect account removed from your credit report, your credit score might improve. A deletion can be a great first step toward rebuilding damaged credit. When you submit a dispute to a credit reporting agency, it will generally have 30 days to investigate.
However, they aren’t doing anything someone with the time and inclination couldn’t do themselves. “If creditrepair looking to improve your credit, start by mapping out your bills and making sure you have a plan to pay them on time,” says Courtney Alev, a consumer advocate at Credit Karma. You can also put your bills on autopay, so you’ll never have to worry about missing a monthly payment. Credit repair companies dispute errors on your credit reports by filing formal complaints on your behalf. This more aggressive intervention requests documentation to corroborate the information that they are reporting in your credit reports and proof of a creditor’s compliance with various consumer protection statutes. Rebuilding bad credit isn’t a fast process and often requires changing your financial habits.
It can seem like it’s a mystery, but it’s also simpler than most think. Our main goal in providing our services is to help you understand credit better, improve the bad things on your report and show you how to take control of your financial life. We believe your credit profile deserves a high level of attention and a customized plan of action designed specifically for your credit challenges. Therefore, the first step for every single one of our clients is a 100% free credit review. You and one of our highly trained credit analysts will review your credit report in detail and formulate a plan of action to help get you to your credit score goals.
Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004.
