What is Credit Repair?
Your credit report is compiled by the credit bureaus using data from your creditors and other information submitted to them. This report is used for loan financing, rental applications, utilities, job interviews, and much more. Since the credit bureaus compile and report information that your creditors supply without investigating its accuracy first, their reports often contain errors. You have the legal right to a fair and accurate credit report according to the Fair Credit Reporting Act (FCRA), a set of Federal laws designed to protect consumers like you. One of the most important consumer rights the FCRA provides is the right to dispute errors on your credit report. Credit Score Specialist can help you do so.
Helping consumers exercise their right to demand fairness and accuracy in their credit reports is our business. Credit Score Specialist provides everyday people with simple, effective, and affordable credit repair services designed to help improve their overall credit picture. We work with you to challenge inaccurate, outdated, and unverifiable information in your credit report by filing disputes on your behalf directly with the credit bureaus. With our proprietary methods and proactive interventions, we utilize a whole range of approaches tailored to your specific needs.
Over the years, we have encountered almost every credit issue there is: late payments, charge-offs, settlements, collections, foreclosures, repossessions, liens, judgments, bankruptcies, etc. All such negative information must meet the same criteria under the FRCA. We have developed a variety of systems and methods for getting questionable, inaccurate, and outdated information on our clients’ credit reports corrected or removed. To date, we have helped hundreds of clients throughout the country, providing our expertise with compassion at times of need, and enabling everyday people to move forward with their lives by helping them clean up the past.