1. You could wait 7-10 years, at which point the items may fall off your report “naturally” via limitations.
2. You can enter the complex “dispute process” yourself and attempt to deal with the credit agencies on your own.
3. You can hire a professional credit score improvement firm to do the hard work for you.

The first option, waiting for years and years, is not much of an option at all.

None of us can afford to put our lives on hold until the credit bureaus decide to purge information from your record. Besides, most credit problems are the result of the bureaus’ mistakes — why should you have to wait for years because a faceless “someone” made an error on your report?

The second option, fixing it yourself, also has its problems.

On paper, the credit score improvement process is very simple. The Fair Credit Reporting Act outlines the specific channels and guidelines that govern the process and the credit bureaus themselves have internal credit score improvement mechanisms that allow consumers to challenge items on their own.

Unfortunately, the theoretical framework of the system and the actual practice of credit score improvement are very different. In a perfect world, consumers could count on the credit bureaus to participate in the process according to the letter of the law. They could expect that every investigation request would be answered. They could expect to receive prompt, first call resolution to their problems. They could expect to reach sympathetic and professional customer service representatives who would quickly and helpfully point them in the right direction.

As anyone who has ever attempted any form of credit clean-up will emphatically tell you, this is not the way the system operates. At best, attempting credit score improvement on your own can be time-consuming and frustrating. At worst, inexperienced credit correction can worsen the situation by resulting in the deletion of meaningless or sometimes positive credit items.

The third option is to use an experienced advocacy firm of professionals.

CreditFixed.com’s techniques are not only designed to replace the stress that consumers will run into when they attempt to the repair process on their own, but to also outperform other firms that may offer similar services. Listed below are the key ingredients that make up the CreditFixed.com’s winning formula.
One on One Communication

Credit problems are different for everyone. There is no cookie cutter approach that will yield optimal results. With that in mind, we put the greatest emphasis on one on one consultation with each and every one of our clients.

When you call our Account Executives, you will be promptly connected with an expert credit consultant whose sole objective is to understand your needs and to tailor make a plan to address your problems. No other company offers the accessibility that we offer to our customers.
Immediate Action

When your financial life has been ambushed by unexpected credit problems, you need to get results fast. CreditFixed.com, Inc. delivers the fastest results because we begin work immediately, and we’ll initiate the investigative process within 24 hours of sign-up.
Complete Credit Report Analysis

There are literally thousands of factors that affect a credit score.

Derogatory information like late payments, collections, liens, bankruptcies, charge-offs, repossessions, and foreclosures affect 35% of your report. We will aggressively work to remove items like these from your credit report.

However, CreditFixed.com is the only company that seeks to improve the other 65% of your score as well.

Although bigger negative items tend to steal most of the spotlight in credit report repair, it is very possible for a combination of “smaller” issues to create a sizable impact on your score as well. Issues such as account mix, revolving balances, length of credit history, use of credit, and number of credit inquiries also affect your score and need to be addressed.

Our comprehensive and consultative approach ensures that no stone will go unturned as we seek to improve the state of your report.

Goal Oriented Mindset

We understand that a strong credit report is a means to some financial end. Our consultants will endeavor to find out the specific details of your financial goals to specifically tailor a plan aimed at reaching your goals as quickly as possible.

You don’t need perfect credit to qualify for most financial programs, but ultimately, just about everyone would like to have perfect credit. Long term, this is a possibility for everyone — however, most of us need results in the short term. With that in mind, we will prioritize your credit score improvement campaign to specifically get to your goals as quickly as possible.

Whether your short-term goals are to finance a house, refinance an outstanding loan, get a car, or fix specific inaccuracies, we will ensure that the credit score improvement campaign achieves those goals as quickly as possible.

Unmatched Service

The 3 major credit bureaus report on over 210 million consumers each with over 5 billion bits if information transferred daily.  A recent study showed that nearly 82% of all consumers are affected by harmful credit mistakes on their reports. With this in mind, our campaign takes the most aggressive stance when dealing with the credit bureaus on your behalf.

We begin by creating a Credit Financial Plan designed to address all creditor accounts through an audit and verification process scheduled throughout our contracted period of time at 30 day intervals.  Every line item needs investigating first and foremost for the information needed for an audit validating the account as required by law under The Federal Credit Reporting Act (FCRA1987 revised 2004) and The Fair and Accuracy Credit Transaction Act of (FACT2004) to show that the account belongs to this person and that the specific derogatory reference is entitled to remain.

Any remaining accounts will need the same type of investigation, but towards the balances reflected, to include an audit of any additional fees and interest.  These investigations are conducted to ensure that the accounts conform to the established guidelines and statues of the Federal Fair Billing Act (FBCA1974 revised 2002).  Any remaining accounts can be negotiated for a lesser amount through offer and compromise for a one-time settlement.

There is a 30 to 45 day investigative period, which concludes with a disclosure credit report from the 3 bureaus listing the results of the investigations.  This disclosure shows the updated information to include deletions and corrections made by the bureau(s).

This series of investigations is the process with which we assist by implementing the Credit Strategy Program with the Credit Financial Plan.

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