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A credit report serves as a comprehensive record detailing your personal and financial credit history. It encompasses various aspects, including data from public records, personal identification, and details about debts. Within your report, you’ll find insights into your payment history, outstanding debt balances, items in default, collections, as well as information on your creditors.
Your credit score, a numerical value ranging from 300 to 850, reflects your creditworthiness. This vital number is pivotal in determining your eligibility for loans and can also influence the interest rates offered by lenders.
Rest assured, simply requesting or reviewing your credit report will not have any effect on your credit score.
A lower credit score can have far-reaching implications, potentially affecting your ability to secure employment opportunities, leading to higher interest rates on loans, denials for loans, and challenges in making significant purchases such as homes or vehicles.
Credit reports often contain errors that can significantly lower credit scores. These inaccuracies can result in financial losses and are notoriously difficult to rectify without the assistance of a specialist.
Your credit report can be accessed by a range of entities, including:
According to a study conducted by the Federal Trade Commission, approximately 20% of Americans encounter errors on their credit reports, with 10% experiencing errors that directly impact their credit scores.
While most are familiar with the three primary credit bureaus—Experian, TransUnion, and Equifax—there are actually over 40 additional sub-bureaus that often go unnoticed.
Every credit bureau maintains records of your financial activities, making each of them crucial in assessing your creditworthiness. Employers, loan officers, and other entities may reach out to one or more of these bureaus to gather information about you.
After signing up, our dedicated team begins assisting you with disputing any inaccuracies on your credit report. Additionally, we provide educational resources to empower you to create a tailored plan for improving your credit score. Recognizing that financial constraints can hinder credit repair efforts, we offer programs designed to accommodate every budget. Simply log in to the Customer Portal to kickstart your journey.
You can begin accessing your credit reports right away upon completing enrollment. Additionally, 30 days after enrollment, we’ll obtain another 3-bureau report to assess your progress.
We have partnered with smartcredit.com in order to review your scores without having to do a hard pull on your credit. Before submitting your information please be sure to have a active smartcredit.com account for all 3 credit bureaus reports. We will collect your login information as part of our registration process in order to review and track everything while you go through our process.
Customers enrolled with us have all of their disputes handled by our team of experts working on your file. You don’t even need to worry about how many are filed as we handle everything for you so you don’t have too.
After pinpointing the items you wish to challenge on your credit report, we promptly dispatch letters within 3-5 business days to initiate the dispute process. The credit bureaus are then allotted 45 days to investigate these challenges and must respond within 60 days from the commencement date.
Certainly, our customers have the flexibility to cancel our service at any time. We uphold transparency and never bind you to any long-term commitments. For more information about canceling, feel free to reach out to us via our Live Chat or messaging system.
Your private information is always secure with us. Our stringent measures ensure its protection at all times. For more details, refer to our comprehensive Privacy Policy.
A mere few minutes is all it takes to register for our services. Kickstart the process of rectifying inaccuracies on your credit report and receive assistance in boosting your credit score. Rest assured, your information is secure with us. We handle your data with the same care as we would our own.
