A & D
Homes West LLC
Yes, credit repair is legal, and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore, most credit reports improve immediately. For items that are disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified but not offer proof. It is our job to prepare documents that challenge this, and we are very skilled at these types of situations.
Contrary to what credit bureaus want you to believe, credit repair does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.
We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of the techniques and regulations they have in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.
You are entitled to a 100% refund on all monthly payments if:
– We do not remove any negative items from your credit reports and your credit scores have not increased in 90 days.
Through our services, 93% of our clients start seeing their credit scores increase in the first 30-60 days.
The credit bureaus will often delete a negative listing if they have not heard from the credit grantor after approximately thirty days. If the credit grantor reports late, say after six weeks, and then verifies the negative listing, the credit bureau will often reinsert the negative listing on the credit report. Usually, though, the creditor simply fails to respond, and the negative listing is permanently deleted.
The Fair Credit Reporting Act also requires the credit bureaus to inform you before they re-report a negative listing. This law also contains provisions which makes it more difficult for the bureaus to re-list previously deleted items. If a deleted item is re-listed, Higher Dimensions Financial Services will simply challenge the listing again and ask for a permanent deletion.
With our assistance and document processing, we have been successful at removing the following for our clients:Late payments, charge offs, bankruptcy, medical bills, collections, foreclosures, tax liens, student loans, inquiries, credit errors, and more!
Express Chambers II,Spaces Works, Level 5, Royapettah, Chennai – 600014