The credit report is no more than allegations. Unfortunately, most people never challenge these allegations. By retaining our credit repair services, our experts, located in Santa Monica, identify one of the 72+ laws that was broken and enter a plea of “not guilty” while informing the creditors of the legal consequences they are facing. It is then up to the credit bureaus, collection agencies and creditors to perform an investigation. If they claim to have investigated the allegation, we appeal the decision and most allegations are removed. The credit bureaus do not concern themselves with the impact of any MISTAKES. Often, this information is inaccurate and does not represent the consumer.
We also have a credit repair team in Santa Monica, CA to determine which laws may have been violated and correspond with the creditors first, to force a negative item to be permanently deleted. Here is a link to our site that shows just a few of these laws – Credit and Privacy Laws. Any violation can be fined $100,000+, so inevitably 90% of the time it is an easy decision for the creditor and bureaus to comply, even if they did follow the laws. It is not worth their time to deal with a potential lawsuit or fine.
The first step is for us to take a look at your credit, so that we can conduct a free analysis and consultation. We can use any credit monitoring service or report that shows all 3 credit bureaus in one report and that is recent.