Credit Report Repair

Why don't you pull my credit report and score?

Pulling full reports and scores costs money and may negatively affect your score. Therefore, any smart credit report repair service will avoid doing this in order to keep your score as high as possible. Plus, beginning in June 2005 everyone in Texas will be able to access their report and score from each of the three national credit repositories once a year free of charge, which will better enable us all to maximize your scores.

What gets repaired?

There are five major components of the credit report that determine your credit scoreA credit score is a number that reflects your credit risk level, as determined by the credit reporting agency, typically with a higher number indicating lower risk.: payment history, amounts owed, length of credit historyA record of how a person has borrowed and repaid debts., new credit, and types of credit used. Each one of them must be addressed in order to get all the improvements possible. America's Credit Doctor.com focuses on the inaccurate or obsolete items in particular: bankruptcies, foreclosuresWhen a debtor fails to meet his obligations to pay back a loan the lender can take back possession of any property (such as a house) used to secure repayment for the loan., collections, delinquent accountsAccounts classified according to the time past due., charge-offsAction of transferring accounts deemed uncollectible to a category such as "bad debt" or "loss." Such accounts will usually continue to be pursued by collectors, but are no longer considered part of a company's receivable or profit picture because they are unlikely to be repaid in full., tax liens, garnishments, etc... America's Credit Doctor.com also looks at other areas, such as revolving credit ratios, recent inquiries, and the types of accounts you have on your reports. All of these areas provide opportunity for improvement of your overall score.

How long does the process last?

There are no legal methods for instantaneous results. The problems on your report will not go away by themselves. But because America's Credit Doctor.com knows this can be frustrating when you need better credit fast, America's Credit Doctor.com is dedicated to achieving the fastest results possible. America's Credit Doctor.com communicates with you to understand your position, and do everything we can to expedite this process when you are in a hurry: nobody can boost your credit scoreA credit score is a number that reflects your credit risk level, as determined by the credit reporting agency, typically with a higher number indicating lower risk. faster than America's Credit Doctor.com can. America's Credit Doctor.com has received positive feedback in as little as 9 days, and often continue to see results for 180 days. Texas law prohibits America's Credit Doctor from performing any serviceslater than 180 days after signing up.

America's Credit Doctor's expert knowledge in how to draft dispute letters that can pass the credit repositories' screening process is just one of the many competitive advantages we maintain.

How many deletions will I get in this time?

It would be improper for us to tell you that America's Credit Doctor.com can promise a particular result within a certain period of time. Though we can give you an idea as to how we have performed in the past, we warn you not to assume that you will get the same result as past clients.  Your results may be better or worse.  If credit reportsA report containing information about a consumer's identity, credit relationships, some court actions, consumers statements and previous inquiries into that file. are received promptly, many clients see exciting progress within the first 45 days.

The progress of your case will depend on your participation (sending in credit reportsA report containing information about a consumer's identity, credit relationships, some court actions, consumers statements and previous inquiries into that file. on a timely basis), the nature of your case, and the level of the credit repositories' cooperation.

Is this guaranteed?

By law no one can guarantee that they can have items removed from your credit reportsA report containing information about a consumer's identity, credit relationships, some court actions, consumers statements and previous inquiries into that file.. However, we do not want you to pay for our service if you do not see results.

Is this legal?

Most people don't realize what some of their most important rights are. Here are a few of the facts:

Will my credit score go up?

If this did not increase your credit scoreA credit score is a number that reflects your credit risk level, as determined by the credit reporting agency, typically with a higher number indicating lower risk., it would not be worth doing, since that is the primary factor in getting the loans and credit you need. Removing inaccurate, misleading or obsolete items from your credit reportsA report containing information about a consumer's identity, credit relationships, some court actions, consumers statements and previous inquiries into that file. may have a very positive impact on your credit scoreA credit score is a number that reflects your credit risk level, as determined by the credit reporting agency, typically with a higher number indicating lower risk. and your ability to get credit. We cannot legally make you any guarantees, but clients who stay with our program and follow our recommendations will see their ability to receive credit greatly improved.

Is there anything that cannot be removed from a credit report?

No. We will challenge any inaccurate items that you feel should be challenged, and the three repositories must verify these items. Only inquiries are not given to this level of scrutiny, but you may still dispute these with the actual companies that pulled your report if you feel that they were mistakenly made.

How do you restore bad credit?

We use all avenues available to us under the law. According to the Fair Credit Reporting Act, the credit repositories have 30 days to investigate items on your credit reportsA report containing information about a consumer's identity, credit relationships, some court actions, consumers statements and previous inquiries into that file. that are challenged. The burden of proof is on them: if they cannot verify the information they are reporting within this time period, they must then modify or delete the information.

To remove inaccurate items from a credit reportA report containing information about a consumer's identity, credit relationships, some court actions, consumers statements and previous inquiries into that file., formal disputes must be filed with all three national credit repositories. These disputes must be drafted in a precise manner and must be submitted through the proper channels. The "bureaus" will send out responses to these disputes and the appropriate replies must be resubmitted. The entire campaign is governed by a very rigid timetable and this must be kept in mind at all times. The professionals at America's Credit Doctor.com live and breathe this process and have guided innumerable clients successfully through, deleting thousands of pieces of harmful inaccurate data from their credit reportA report containing information about a consumer's identity, credit relationships, some court actions, consumers statements and previous inquiries into that file.s along the way.

As part of your consultation agreement, you will be asked which inaccurate credit items you want challenged. All other credit listings showing up on the credit reportA report containing information about a consumer's identity, credit relationships, some court actions, consumers statements and previous inquiries into that file. are assumed to be inaccurate or unverifiable and will be subject to dispute.

Once America's Credit Doctor.com receives your credit reportsA report containing information about a consumer's identity, credit relationships, some court actions, consumers statements and previous inquiries into that file., we will construct letters of dispute accordingly on your behalf. These letters are designed to communicate your dispute in such a way that the credit repositories will accept the dispute and immediately conduct an investigation.

While this may sound easy, any person who has attempted to dispute his or her own credit reportA report containing information about a consumer's identity, credit relationships, some court actions, consumers statements and previous inquiries into that file. will tell you otherwise.  According to federal law, the credit repositories can ignore your dispute under a variety of conditions.  In our experience, a large part of dispute letters sent directly from consumers are commonly rejected under one pretext or another.

At the conclusion of the credit repositories investigation, an updated copy of the credit reportA report containing information about a consumer's identity, credit relationships, some court actions, consumers statements and previous inquiries into that file. is sent to your home illustrating any deletions, verifications, or improvements.

A disputed credit listing must be accurate and verifiable for it to remain on the credit reportA report containing information about a consumer's identity, credit relationships, some court actions, consumers statements and previous inquiries into that file..  If the credit listings are only somewhat inaccurate, the credit repository may simply change the item to reflect the accurate status.  Very often, though, disputed credit items cannot be verified: the creditorOne who extends credit to borrowers. either no longer possesses the information or does not wish to go through the trouble of verifying it. Also, the reinvestigation must be completed within 30 days or the listing must be removed. For these reasons, properly disputed credit listings are removed with remarkable frequency. Each time an investigation is commenced, the odds of receiving particular deletions increases.

Will deleted items reappear?

On occasion, the creditorOne who extends credit to borrowers. will eventually verify a negative listing that was recently deleted. The Fair Credit Reporting Act requires that the credit repository inform you before they re-report a previously deleted listing. The FCRA also makes it more difficult for the credit repositories to re-report listings.  Because of these factors, it is fairly rare for listings to reappear once they have been deleted.

If an item is re-reported, it is a simple matter to challenge the listing again at a future time to press for permanent deletion.

Should I still be paying my bills?

We would never advise not paying your bills, but that issue is between you and your creditorsOne who extends credit to borrowers.. We work on what appears on your credit reportsA report containing information about a consumer's identity, credit relationships, some court actions, consumers statements and previous inquiries into that file. and leave the issue of your current payments up to you. Always keep up with your current bills and never make a late paymentA delinquent payment; a failure to deliver a loan or debt payment on or before the time agreed.. A late paymentA delinquent payment; a failure to deliver a loan or debt payment on or before the time agreed. or charge-offAction of transferring accounts deemed uncollectible to a category such as "bad debt" or "loss." Such accounts will usually continue to be pursued by collectors, but are no longer considered part of a company's receivable or profit picture because they are unlikely to be repaid in full. will affect your credit restoration process negatively.

Does paying off my old bills repair my credit?

You would think that would be true.  But, again, the credit reporting system just does not work that way.

When you pay an old debtA specified sum of money that is legally owed from one to another., the negative credit listing does not disappear.  In fact, it re-ages and the seven-year clock begins again with that negative listing. The most ironic thing is that a paid, current negative listing is not any better than an unpaid negative listing.  This is not always true, but in most cases you will not get much further by paying the old debtA specified sum of money that is legally owed from one to another..  You will, in fact, pay twice: first the debtA specified sum of money that is legally owed from one to another., then some one to repair the listing.

That is, you will not get much further unless you also work to restore your credit at the same time. The good news is that America's Credit Doctor.com can teach you how to settle those debtsA specified sum of money that is legally owed from one to another. and save you time and money in the process. The decision is yours.

Can I restore my own credit?

Yes, you can.

After all, Provided that you had the resources available to you, it is possible to learn how to repair your own transmission or represent your self in court as well.

But is that always feasible? We offer experienced, professional help at very affordable rates for your convenience and benefit. Getting results from the credit repositories (commonly known as "bureaus") is amazingly difficult, complex, and infuriating. It is not a coincidence that the Federal Trade CommissionA federal agency which administers and enforces rules to prevent unfair business practices. receives more complaints against "credit bureaus"An agency that gathers information about consumers' credit relationships and provides creditors with credit reports and scores on consumers. than any other type of business. Remember, the repositories are primarily interested in protecting their profits. Investigating your challenge consumes these profits. Short of sparking a mass number of lawsuits, the credit repositories seem to do everything in their power to discourage consumers from making progress in their restoration efforts.

Although repairing your credit reportA report containing information about a consumer's identity, credit relationships, some court actions, consumers statements and previous inquiries into that file. on your own is an option open to you, most of our clients feel that they would rather entrust this important task to professionals skilled and practiced in credit repair. This is where America's Credit Doctor.com can help!