“Your Gateway to Financial Recovery”

314-485-9940 or 800-969-5806

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We are the Credit Experts!

Our pricing is determined by the amount of work we have to do for an individual or couple. Call today and find out how affordable it is to get a new start with a great credit score! Save thousands each year on interest and always get the best rates. Don’t worry about getting turned down when applying for credit. Save big on insurance. There are several doors that are open to you when you have great credit to better your life and reduce stress! Our credit consultation and personalized action plan are FREE! Call Today!

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Personal Information

We want to make sure that the credit bureaus are reporting 100% accurate information. You don’t have to have someone else’s name or address on your credit report. This can cause a credit merge and a possibility of their items jumping onto your credit report. We work to remove the following:
Name
  • Inaccurate or Misspelled Name
  • Incorrect Date of Birth
  • Incorrect Social Security Number
  • Outdated Telephone Numbers (No Charge)
  • Previous Employment Records (No Charge)
  • Remove of ex-Spouse (No Charge)

Late Payments

We realize that you might have late payments on your credit report. We contact the credit bureaus and creditors to demand they are reporting 100% accurate information pursuant to the Fair Credit Reporting Act (FCRA) and the Fair Credit Billing Act (FCBA). Late payments appear due to:

Worried couple doing their accounts in the living room
  • Job Loss
  • Hospitalization
  • Deployment
  • Financial Hardship
  • Computer Error
  • Inaccurate Reporting

Collection Accounts

Collection accounts can seem to be very burdensome and you may not know exactly what rights you have. We will never suggest for you to not pay a collection agency, but before you do, ensure that they provide proper validation and are able to prove the account is yours. There are times where collection agencies report inaccurate information on your credit report so it is their responsibility to provide verification that the accounts is reporting accurate. They must do the following:

Collection
  • Reports 100% Accurate
  • Provide Account Validation when Disputed
  • Aren’t in Violation of the FDCPA or FCRA
  • Ensure Balance is Listed Correctly
  • Mark Account as “in dispute” when Disputed
  • Delete the Account if There is No Proof

Charge-Offs

A charge-off occurs when your account typically goes over 180-past due and the creditor has closed your account. They then will either two things, hire a collection agency to collect the debt or file a judgment against you. Just like with any other account, the account must be listed 100% accurate on your credit report. We will ensure the creditors do the following:

Charge Off
  • Reports 100% Accurate
  • Provide Account Validation when Disputed
  • Aren’t in Violation of the FDCPA or FCRA
  • Ensure Balance is Listed Correctly
  • Mark Account as “in dispute” when Disputed
  • Delete the Account if There is No Proof

Repossessions

No one likes it when their car is repossessed. By we don’t want you to feel that you are never able to recover. Creditors and credit bureaus must report accurate information on your credit report. As well as provide documentation that supports any information reported. Lenders must do the following:

Repo
  • Reports 100% Accurate
  • Provide Account Validation when Disputed
  • Aren’t in Violation of the FDCPA or FCRA
  • Ensure Balance is Listed Correctly
  • Mark Account as “in dispute” when Disputed
  • Delete the Account if There is No Proof

Foreclosures

A foreclosure can prevent you from being approved for credit again. But knowing how to request validation or verification can be the key to proper removal. Banks must do the following:

Foreclosure
  • Reports 100% Accurate
  • Provide Account Validation when Disputed
  • Aren’t in Violation of the FCRA
  • Ensure Balance is Listed Correctly
  • Mark Account as “in dispute” when Disputed
  • Delete the Account if There is No Proof

Public Records

Public records can cause your credit score to drop significantly. Court houses do not report to the credit bureaus either so ensuring that you get the proper documentation to remove these accounts are important. We can dispute the following:

Public Record
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Federal Tax Lien
  • State Tax Lien
  • Judgments
  • Child Support

Have Questions?

We are the Credit Experts, Let us Help!

(314) 485-9940

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