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Credit repair is the term used to analyze your credit report, and identify inaccurate, outdated, and unverifiable items. These items are then disputed with the credit reporting agencies and must be investigated. After that, the items must be updated or deleted.
Every item on your credit report must be complete and accurate. Period, no exceptions. This is based on federal law. So, any item that is missing a date, payment amount, balance, or anything else left blank, can be disputed and often updated or deleted.
We have successfully disputed these items in the past and had them DELETED from a credit report, where applicable. Results may vary.
Yes. However, we partner with a company for credit monitoring that lets us import your credit reports once a month without any technical issues. It's also a little less expensive than other providers. You can use your own credit monitoring service and will need to provide us with your log in credentials so we can access that information. We'll also recommend you get your free annual credit report as well.
This is an important question and we like to be 100% upfront and transparent. There is no specific time frame to have your credit report items updated or deleted. By law, a credit reporting agency has 30 days to respond to our initial letter. After that, I would expect a back and forth process of more letters from us while the credit bureaus try to make the process as hard as possible for you. This could take 30, 60, 90 days or more. Some items might be updated or removed in 30 days, some items might take longer. I would not expect to have an update to your credit report in a few days or a week.
Yes. Yes. Yes. No contracts, cancel any time. If for some reason you no longer want us to fight for your credit, let us know 30 days prior and there will be no arguments, no questions asked. Since our monthly billing occurs after we've done work for you, you will have your last bill in that current month and will not be billed moving forward. Period.
Yes you can! We provide a service for those who don't have the time, experience, or knowledge to repair their own credit or file disputes for themselves. It's just like when someone pays for a car wash, or has their lawn mowed- we can do those things ourselves if we want to. But who wants to fight with credit bureaus? We do!
The benefit to using bettercreditforyou.com is that we know what to expect from the credit bureaus. We know the dirty tricks they play, how they like to stall and not fix your credit, not update items, and not remove items. Credit bureaus are counting on the fact that you will become frustrated and quit pursuing better credit. As your service provider, we won't let that happen!
We do not provide legal advice or legal services. We do not provide tax or accounting services. Also, our service DOES NOT INCLUDE THE FOLLOWING:
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