We review your credit report and see what’s bad and what could be better. We get right to work on both — disputing any questionable items on your credit report and addressing the things we believe can help raise your credit score.
Your credit score can be the key metric when it comes to buying a car or a home. If you have a lower credit score, these purchases can be more expensive and difficult to achieve—and you may have to pay higher interest rates. According to myFICO, your mortgage interest rate may vary by 1.5% depending on your credit score. For example, with a 30-year, $250,000 mortgage, you could pay an extra $80,000 in interest, or worse—you may get denied for a loan altogether.
You may have negative marks on your credit reports from late payments, maxing out credit cards, or debt in collections, all of which may hurt your creditworthiness. If you don’t have the time or desire to fix these credit report blemishes, you can pay someone else to do the work for you.
One option is working with a credit repair company –we act on your behalf by negotiating with your creditors and working with the three credit agencies—Experian, TransUnion, and Equifax. While the industry has its share of scams, these six credit repair companies are worth considering based on effectiveness, cost, customer service, and more.
- Options for personalized dispute
- Personal case advisor
- Financial management tools
- Credit reports and monitoring
- Debt validation
- Goodwill letters
- Cease and desist letters
- Debt settlement and negotiation
- Challenge late payments, identity theft, charge-offs, collections
- Access to credit reports and scores
- Online account access
- Unlimited disputes
- Creditor communication
- Debt and inquiry validation
- Assistance beyond credit reports