Credit Repair
Credit Repair and why it is necessary, even when you don’t think you have a problem.
A study released by the U.S. Public Interest Research Group in June 2004 found that 79% of the consumer credit reports surveyed contained some kind of error or mistake.
Under the Fair Credit Reporting Act, consumers have the right to gain access to their credit report and to dispute any information on the report that is inaccurate, misleading, obsolete and unverifiable. You indicate to us which items you wish to dispute on your credit report, and how you want us to dispute them.
Once we’ve received your credit reports, we will prepare the appropriate intervention or dispute letters. The dispute letters are designed to communicate your dispute in such a way that the credit bureaus will accept the dispute and conduct an investigation. Our ability to delete questionable, negative items is dependent on having up-to-date credit reports.
Without copies of your current credit reports we can do very little to improve your credit. Sometimes clients forget to send an updated credit report. Other times the credit bureaus fail to send updated reports to the client. In either case, the process slows until we receive updated credit reports. It is therefore crucial that you send updated reports to Debt Busters 911 as soon as you receive them from the bureaus. This assures that Debt Busters 911 will keep your case moving forward.
At the conclusion of the credit bureau’s investigation, a new copy of the credit report should be sent to your home along with any deletions or improvements. You will then send copies of them to us. So, when we accomplish deletions and improvements, you will see them first on your credit report. Additionally, you are always welcome to call or email your Debt Busters 911 representative and request an update of the progress of your case. If you are still not satisfied that the questionable, negative credit has been accurately resolved, the cycle will begin again.
