Frequently Asked Credit Repair Questions

Is it possible to fix really bad credit? How?

In some circumstances fixing your credit can be a process that takes months and in some circumstances it can take years to totally correct a bad score. However, there are tips and tricks to improving just about anyone's credit score. For example, if an individual has a late payment on his credit card, it is possible to mail or fax a letter to a credit card company and ask them to take off the late mark. Often times, especially if you have made your payments on time for the past 6 months, they will take off the negative marking, in turn boosting your credit. No matter how bad your credit is, it is always possible to fix it. The process varies on the time it takes the customer to see results, but regardless these simple steps will dramatically improve your credit score.

It is difficult to dispute your credit score with a bureau by yourself, often times it will get you no where. If a company or a loan agent has put something on your credit score incorrectly you must dispute you problem with them before going to the bureau. The best way to effectively fix your credit is to dispute or basically beg for good behavior through the lender. Often times credit card companies and loan companies will be very lenient with you and help you. An edge like this is defiantly something that the consumer should take advantage of. Despite the chances to correct your credit this way it is not certain to always work. Sometimes credit services believe that you should not have a loan in the future in regards to multiple late payments. If it is a single late payment you are trying to get rid of, repairing your credit will be much easier.

Most credit bureaus are flooded with requests to take off old negative marks. This is also an advantage to the consumer because the bureaus have 30 days to fix this and if it is not verified within the time frame the marks will be dropped regardless of reasons. However, credit bureaus don't want you to know this because if they did then the entire nation could file at once and flood the systems and correct their credit scores. Here at Credit Repairs PRO we can help you repair your credit!

Is credit repair illegal?

No. Credit Repairs PRO obeys and abides by all United States Federal and State laws. Some of the credit bureaus and agencies like to infer that repairing your credit is an illegal process, however it is not. Credit bureaus do not what consumers to know tips and tricks to repairing their credit mainly because it inflates the economy if the consumer pays more for what they are getting. This is not beneficial for the consumer because it leaves them paying more for something then the actual value of the item.

Credit Repairs PRO also provides credit 24-7 hour surveillance. This is beneficial to those individuals who are looking to protect their credit from being stolen or people using their social security. Basically once someone runs your social security or applies for a loan the individual is notified. If you are not the one using your social security number it is then reported to the bureaus so that you are not responsible. You are never charged with false credit marks and are issued a new social security number. Despite your credit being protected it is also a great way for us to catch crooks that are attempting to illegally steal people's identity and gain financial advantage.

How long does it take to fix a bad credit score?

Despite knowing ways to fix a person's credit and helping them use the procedures it is impossible to place a set date on how long it will take to repair a person's credit score. Each individual has a variety of different pending marks and past late fees. No one has the same amount of credit score marks, especially since credit can be retrieved from the past 7 years. The best way to look at it is by taking an average of our customers. The majority of our customers had 10 marks removed from their credit score within the first 90 days. In 180 days their credit scores went up by 15 marks removed. If a client sticks with Credit Repairs PRO then it is possible for them to have up to 30 or 40 marks removed from their credit score within the first year. This kind of improvement can increase a credit score so dramatically that it could lower an interest rate, saving the customer thousands of dollars on their next loan!

The process of repairing your credit might be timely, but if it is done correctly then it can make a dramatic difference for the individual and save them thousands of dollars. When you are ready to grab life by the horns and save money check out Credit Repairs PRO!

Do I need a credit report first?

Credit reports are important just to see where you stand. No one knows your credit score better than yourself. Your inside information can also help Credit Repairs PRO make decisions about how to correct your credit standing. Getting a credit report, such as filing through Equifax, is beneficial to you, but it is not necessary for the credit repairing service, we will obtain all of our own information. Most people know that they have bad credit because they have attempted to apply for a loan and they were denied or offered an extremely high interest rate.

If you have a little bad credit, it isn't considered worse then having too much credit and having high liabilities and low assets. Credit is something that needs to be taken care of in a professional and proper manor. If you need help with your credit contact Credit Repairs PRO.

Do you guarantee to fix my credit?

In America, every attorney or judge has the right to hear or not hear a case. Credit Repairs PRO reserves the right to not guarantee all individual's service. If you have any questions about why we do not guarantee some of our services feel free to contact us.

Is it possible to fix my own credit score?

Of course it is. A normal person can easily research tips and tricks on how they can fix their own credit and execute them perfectly. Often times they are very successful at it too and improve their credit scores. To apply this in the United States law system: you can represent yourself in court just as you can repair your credit by yourself. However, it is also sometimes smarter to leave stuff to the professionals who have a lot more experience for these type of situations.