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Personal Credit

Credit Repair has changed.

Credit reporting laws are constantly changing and are harder than ever to keep up with. Credit Repair has changed. Today’s process most companies use is a thing of the past.

The credit report score categories have changed over the years and continues to do so, so has the process. The process of using form letters to dispute negative accounts not only does not work but it also may not help your score. Accurate and verifiable information can not be removed, but some companies claim  to do so. There are often times when removing what appears to be a negative account can actually lower your credit score because other aspects of the account are helping your score. If raising your score is your goal, you must be educated on and understand the categories that make up your fico score.

Our fast and powerful process was designed to raise your credit scores by as many points and as quickly as possible by verifying the accuracy of accounts thru multiple advanced tactics. Our process includes both credit bureau and creditor direct audits. By disputing and removing inaccurate, erroneous, misleading, outdated, unverifiable negative accounts with the credit bureaus and creditors, our clients see remarkable results.By working directly with creditors for settlement or deletion letters, taking advantage of all categories of the score calculation and being sure you have the right amount of open accounts with the perfect utilization, not only will you see a change in items, but also an increase in scores!

  1. Both credit bureau & creditor audits - disputing and removing inaccurate, erroneous, misleading, outdated, unverifiable negative accounts with the credit bureaus and creditors.
  2. Creditor direct disputes, verification & validation - working directly with creditors for settlement or deletion letters and removal of items.
  3. We work on 100% of your credit score! While others only send out dispute letters, they are working on 1/3rd of your total score. We work on all score categories, 100% of your total fico score. Our credit coaches work with you on the things that make up your total score.We make sure you have the right mixture of accounts and your balance to limit ratio on open accounts is just right.And our processing team never disputes items that could lower your average age of accounts and they dispute ALL INQUIRIES!  Those that say they coach customers in this area do nothing more than suggest you open a secured card which could actually hurt your score by damaging your credit mix, lowering your average credit age and add an inquiry.

Our credit consultants, credit coaches and processors are trained professionals and understand the makeup of the credit scores and consider many factors when working with you.

Our processors will review your credit reports and then direct appropriate correspondence to your creditors and the credit bureaus using these laws. Your credit report items are carefully triaged and matched with just the right credit repair strategies as applicable to your case. Although some consumers think only "send in a credit bureau dispute" when they hear the phrase credit repair, the truth is a bit more complex. Good credit repair includes numerous tactics and approaches, many of which don't even involve the credit bureaus.

What are the consumer protection laws?

FCRA (Fair Credit Repair Act) Affords consumers protection against disorganized credit bureau records and regulates how the credit reporting agencies treat customers.

FCBA (Fair Credit Billing Act) requires creditors to bill only correct information about you. You can challenge and question dates of charges, payments, proof of purchase and more. The dispute possibilities are endless when it comes to the FCBA.

FDCPA (Fair Debt Collection Practices Act) Places limits on how 3rd party debt collectors behave. With the collection industry being a billion dollar business and with more creditors needing help with collections after the credit crunch of the mid 2000’s, unethical business practices by collectors are worse than ever. Collection companies must follow strict rules and guidelines, but they threaten people and break the law every day.

As you can imagine, these three acts alone give you an arsenal of legal dispute tactics when used correctly.

The FTC mandates all items on a credit report must:

REPORT 100% ACCURATE INFORMATION
All aspects must be correct, not just the fact they exist. They must report dates, balances and history PERFECTLY- most credit furnishers are violating your rights due to bad bookkeeping.

REPORT TIMELY INFORMATION
There is a time limit for information that we request. You have to force credit furnishers to stick to the legal reporting time they have.

REPORT ONLY VERIFIABLE INFORMATION
"If they can't prove it, they must remove it"- creditors and collection companies must, by action of law, prove that they have the right to report the information, which is very difficult due to continuing bank mergers, bad record keeping, employee turnover or negligence. "If we ask for a specific item and don't get it, odds are it will be removed!"




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Check out FOUNDER bILLY aLT'S 50 cREDIT tIPS!


Billy's 50 Credit Tips

Last Posted: 21-Nov-2017 | Total Posts: 17



Tip #12 - Adding Authorized Users

Billy Alt - Tuesday, November 21, 2017
*|MC:SUBJECT|* Important Credit Tips By 700 Credit Repair Adding Authorized Users What happens when you add an authorized user to a credit card? There are two factors to consider before adding someone to your credit card account. Firstly, be aware that you become 100% legally liable for al ..

What are the minimum requirements for a FICO score?

Billy Alt - Wednesday, November 15, 2017
What are the minimum requirements for a FICO score? In order to receive a valid FICO Score, the credit report must have: • At least one account opened for six months or more, and • At least one account that has been reported to the credit bureau within the past six months, and • No indication of deceased on the credit report Small, secured and non-secured credit cards do not effect the FICO scores as quickly, and sometimes at all, as they have in  ..

Ever wonder why there are so many different types of credit scores?

Billy Alt - Wednesday, November 08, 2017
BECAUSE IT’S BIG BUSINESS… Credit score formulas are highly complex and are closely guarded industry secrets, but they all do the same: predict the likelihood of you paying back a debtor on or ahead of time. FICO Score - There are 49 different FICO scores, each with different calculations. FICO scores range between 350 and 850, with 850 being a perfect credit score. All of the versions of the FICO score use your credit files from each of the major credit r ..

Tip #16 - Saving Your Investigation Results

Billy Alt - Wednesday, November 01, 2017
*|MC:SUBJECT|* Important Credit Tips By 700 Credit Repair Are You Saving Your Investigation Results? After sending your letters and making sure you have a paper trail, bureaus will respond by sending you results through mail. While you may get certain items t ..

Tip #15 - New Credit Card Accounts

Billy Alt - Wednesday, November 01, 2017
*|MC:SUBJECT|* Important Credit Tips By 700 Credit Repair New Credit Card Accounts Never open a new credit card account after you have about 5 or 6 and in some cases 4 credit cards. Why? Account History! New accounts lower the AVERAGE time of your revolving accounts. So, if you ha ..

Tip #14 - Credit and Employers: Good Credit Matters

Billy Alt - Wednesday, November 01, 2017
*|MC:SUBJECT|* Important Credit Tips By 700 Credit Repair Consumers Need Good Credit for Low-Paying Jobs Why is a credit service business necessary more than ever? Well, there is proof that you now need good credit for a low paying job. Despite the massive loss of jobs, with Americans behind on their mortgages and the foreclosures crisis this  ..

Tip #13 - Sued For Cell Phone Bill After 2 Years

Billy Alt - Monday, October 30, 2017
*|MC:SUBJECT|* Important Credit Tips By 700 Credit Repair Sued For Cell Phone Bill After Two Years You May Have A Lawsuit Of Your Own We have seen many cases where debt buyers such as Palisades, Asset Acceptance, Unifund, Hawker Financial, etc. are suing consumers for small debts such as ..

Tip #10 - Credit Reporting Agencies Must Delete Bankruptcy Debts

Billy Alt - Friday, October 27, 2017
*|MC:SUBJECT|* Important Credit Tips By 700 Credit Repair Credit Reporting Agencies Must Delete Bankruptcy Debts You get your bankruptcy discharge, try to refinance your mortgage, and are told you do not qualify because of a debt or debts still on your credit report. I'm sure you are wondering ho ..

Tip #9 - Disputing Tax Liens

Billy Alt - Friday, October 27, 2017
*|MC:SUBJECT|* Important Credit Tips By 700 Credit Repair Disputing Tax Liens Know that tax liens are NOT very important for credit scores. However, it can make a difference when your credit report is reviewed MANUALLY by underwriters in cases of obtaining a mortgage or ot ..

Tip #8 - Threat of Lawsuit To A Credit Bureau

Billy Alt - Friday, October 27, 2017
*|MC:SUBJECT|* Important Credit Tips By 700 Credit Repair Threat of Lawsuit To A Credit Bureau Never, I repeat, NEVER send a letter of intent to file a law suit with a credit bureau unless you are going to go through with the process. Why? Because, you are wasting time. Credit bureaus get  ..