Disputes 1. You are able repair your credit by removing negative items from your reports through filing disputes with the three major credit bureaus - through our services. The law says that every item on your credit reports must be accurate and verifiable. If you find negative items that you believe to be incorrect, you have grounds to challenge them. The credit bureaus must investigate the item, and if the creditor cannot verify or it simply doesn't respond, it will be removed from your credit report. There are over 320 laws in the FCRA.
Payments 2. Even if you have a negative payment history in the past, you can immediately begin repairing your credit by paying your bills promptly. Keep all of your accounts current so new lenders will be able to see that your financial condition has improved. Each on-time payment is another step toward repairing your credit rating. We delete negative payment info and correct it to paid as agreed.
Time 3. You will not be able to remove legitimate negative items from your credit report through disputes, but if you let enough time pass, your credit report will repair itself. Most negative items like late payments, charge-offs, judgments and even bankruptcies can be deleted by our services your credit score will get a big boost. Everything takes time, so be patient as we work hard for you.
Credit 4. You have to have credit available, I mean like available credit limits with credit cards or line of credit that is unsecured. $5,000 is the bare minimum to make any kind of impact. Loans are not credit, it is debt the the credit bureau's eyes. We help you get credit.