First Choice Credit Repair Services

The Credit Bureaus are known to have misleading information circulating in regards to credit repair. One of the most known ones is that you can't repair your credit without waiting 7 to 10 years for negative items to fall off your credit report. That's ABSOLUTELY incorrect. The Fair Credit Reporting Act states that if the items on your credit report aren't reported 100% accurately and 100% verifiable by the creditors, then the item must be removed from your credit report.

 

Statistics show that approximately 79% of all credit reports contain errors and aren't verifiable. That's a pretty high amount isn't it? So chances are, your credit report contains errors and aren't 100% verifiable. Often times when accounts are closed, charged off or discharged needs, the creditors do not have the supporting evidence to verify the legitimacy of an account within the 30 day time line they’re given. Their inability to document and support their reporting results in deletions that will raise your credit score!

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Step 1: Contact Us For A Free – No Obligation Consultation

 

Here is when we will talk with you about where you stand at this point with your credit score. We will also get an idea of what you want to accomplish and your goals for wanting to improve your credit score. Each client is different so we customize our services to gear towards your personal situation.

 

If you haven't already obtained your credit report, we will show you how you can request a copy of your credit report from all 3 credit bureaus. By law, you are entitled to 1 free credit report each year from all 3 credit bureaus(Experian, Equifax, Transunion).

 

Step 2: Credit Repair Consultation

 

Here is where we will meet with you in person or by telephone and will identify those accounts that are hurting your credit score. We will also discuss the importance of establishing your credit. You will learn strategies on what you will be doing to increase your credit score during the dispute process. Follow these techniques we show you and watch your credit score increase quickly. We will also talk about the time frame to accomplish your credit repair goals and the amount of investment you will need to make to achieve them.

 

Step 3: The Dispute Process

 

Here at First Choice Credit Repair Services, we use our customized dispute process and our proven strategies to challenge all 3 credit bureaus and your creditors in order to remove negative/inaccurate items from your credit report. This process will be repeated as long as derogatory references remain on your report.

 

It does not matter who you owe, how much you owe or even if the item is yours or not; the way we write our disputes, we're able to get nearly all of your negative items deleted within 45 to 120 days. 

 

Step 4: Sit Back, Relax & Track The Credit Repair Process

 

After our Credit Repair Specialist has finished investigating your credit report, the credit repair process will begin. Our team will work on your behalf to remove negative items from your credit reports. By law, the credit bureaus and creditors have 30 days to investigate your dispute. You also have to consider mail time so you should figure it may take up to 45 days to begin to see results. The credit bureaus and creditors must provide original documentation proving 100% accuracy of their reporting or be forced to delete the negative/inaccurate items off your credit report. 

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In the meantime, while the dispute process is being conducted, we will begin sending you valuable credit repair educational material to build your credit score.