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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. The process most companies today use is a thing of the past.

The credit report score categories have changed over the years, and continue to do so, and 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 cannot be removed, but some companies claim  to do so. There are often situations 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 through 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 By disputing and removing inaccurate, erroneous, misleading, outdated, unverifiable negative accounts with the credit bureaus and creditors, our clients see remarkable results.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 Both credit bureau and creditor audits - disputing and removing inaccurate, erroneous, misleading, outdated, unverifiable negative accounts with the credit bureaus and creditors.
  2. Creditor direct disputes, verification and 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 the average age of your 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 credit scores, and they 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?

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

The 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.

The 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-2000s, 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:

All aspects must be correct, apart from the fact they exist. They must report dates, balances and history PERFECTLY- most credit furnishers are violating your rights due to bad bookkeeping.

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

"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!"

Contact Us Today!


Billy's 50 Credit Tips

Last Posted: 18-Jan-2019 | Total Posts: 18

Bad Credit Can Cost You 7 Figures...

Billy Alt - Monday, February 04, 2019
Bad Credit Can Cost You 7 Figures... A bad credit score costs money – in many cases it could be over $1 million. That’s right over seven figures. If you have bad credit, the additional money you pay for things like mortgages, car loans and insurance, compared with what others with good credit pay, can be hundreds of thousands of dollars over a 30-year period. When that same money is spent or invested wisely, that number could easily rise to more than $1 million. Here i ..

Getting That 800-850 Credit Score...

Billy Alt - Friday, January 18, 2019
Getting That 800-850 Credit Score... Approximately 1% of the population has perfect credit, meaning a perfect FICO score of 850. It's no big secret. If you look into an 850 credit file you will notice a few factors and no special tricks. Here are the factors... Between four and six revolving accounts (meaning credit cards). At least one "installment" tradeline (e.g., a mortgage or auto loan) in good standing. A few accounts around 20 years old with a long history of  ..

Can the Senate fix the BROKEN credit reporting system?

Billy Alt - Wednesday, August 01, 2018
The Senate Committee on Banking, Housing and Urban Affairs recently met to discuss “An Overview of the Credit Bureaus and the Fair Credit Reporting Act.” Both sides discussed their concerns and ideas to help fix the problem. The two major concerns by the senators was the FTC and CFPB’s inability to fine the Big 3 for reporting mistakes and inaccuracies, and the fact that consumers have no control over their own information, both good and bad.  ..

The Dodd-Frank Rollback, the Economic Growth, Regulatory Relief and Consumer Protection Act probably won't effect many future home buyers that are not Veterans. Check out the proposed changes awaiting Trumps anticipated signature

Billy Alt - Wednesday, June 06, 2018
The Dodd-Frank Rollback, the Economic Growth, Regulatory Relief and Consumer Protection Act, probably won't effect many future home buyers that are not Veterans. Check out the proposed changes awaiting Trumps anticipated signature. The Economic Growth, Regulatory Relief and Consumer Protection Act, a bill that will rollback some banking regulations created by the Dodd-Frank Wall Street Reform and Consumer Protection Act awaits The Presidents expected signa ..


Billy Alt - Wednesday, April 04, 2018
Last year alone, over 7 BILLION records were exposed due to data breaches, making 2017 an all time high for IDENTITY THEFT... PROTECT YOURSELF Billionaire businessman Warren Buffet says that "cyber attacks are the NUMBER ONE PROBLEM WITH MANKIND, even worse than nuclear weapons" Look at these Alarming Cyber Security Facts and Stats There is an attack from hackers every 39 seconds, affecting one in three Americans each year. 95 perc ..


Billy Alt - Thursday, March 15, 2018
Now that I have your attention, are you and your credit protected from Identity Theft Thieves? Do you monitor your credit and utilize the protective tools that are available at no cost to you, like a Credit Freeze? A Credit Freeze protects you from identity thieves opening new accounts in your name. It shuts down access to your credit to any new creditors. Only those you specifically name will be authorized to view your credit information. A freeze  ..

The TRUTH on “Pay For Delete” letters? There is no such thing.

Billy Alt - Wednesday, February 14, 2018
The TRUTH on “Pay For Delete” letters? There is no such thing. Collection companies often buy debts for pennies on the dollar. Older accounts devalue in age, and are known as “junk debt”, and are often purchased on a spreadsheet with similar medical, utility and pay day loan type accounts. It's BIG business...over 50 Billion a year big. Collection companies are more likely to get paid if a debt is causing pain or creating an issue, so t ..

Ever Wonder How FICO Was Started? Simple But Shocking!

Billy Alt - Tuesday, December 26, 2017
Back in the 1960’s, a company called Fair Isaac devised a unique system to determine the credit worthiness of people who apply for loans. Through a complicated mathematical computation, they were able to study a person’s credit history and assign them a number that would represent how likely it was that they would be able to repay a loan they were applying for. Fair Isaac sparked a revolution by pioneering credit risk scoring for the financial services industr ..

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  ..