CREDIT RESTORATION

HOW CAN BAD CREDIT BE REPAIRED?

The Fair Credit Reporting Act (FCRA) affords you, the consumers, the legal right to dispute inaccurate, outdated, and erroneous information on your credit report with the credit bureaus and your creditors.

 

 

 

WHAT WE DO?

When you enroll into USA Debt Aid’s credit restoration program, with the assistance of a credit monitoring service of your choosing, we will acquire your credit report from the three major reporting agencies, Transunion, Experian, and Equifax. Our team will then conduct a credit analysis and determine a plan of action to remove the inaccuracies from your credit.

 

 

 

THE PROCESS

When an item is disputed with the credit bureaus, it means that a consumer is demanding that they perform an investigation to determine the validity of the account and whether or not it should be listed on the consumer’s credit report. If the credit bureau cannot verify the item or accuracy thereof, the FCRA requires that the listing is either corrected to reflect that or completely deleted. Another aspect of the credit repair process is to work directly with the consumer’s creditors to remove the negative items from the report. At times, all it takes is a simple request of the creditors, especially if the information in question is inaccurate. In situations where this approach is unsuccessful, the FCRA along with the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Billing Act (FCBA) provide the necessary incentive for creditors and collection agencies to prove the validity of the reported accounts.

THE PROCESS

When an item is disputed with the credit bureaus, it means that a consumer is demanding that they perform an investigation to determine the validity of the account and whether or not it should be listed on the consumer’s credit report. If the credit bureau cannot verify the item or accuracy thereof, the FCRA requires that the listing is either corrected to reflect that or completely deleted. Another aspect of the credit repair process is to work directly with the consumer’s creditors to remove the negative items from the report. At times, all it takes is a simple request of the creditors, especially if the information in question is inaccurate. In situations where this approach is unsuccessful, the FCRA along with the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Billing Act (FCBA) provide the necessary incentive for creditors and collection agencies to prove the validity of the reported accounts.

PROGRAM COST

Now that you know the costs of bad credit, we are confident you will see the cost of good credit is marginal and well worth it. For a one-time setup-fee (paid after your credit analysis) and a low recurring monthly service fee, we can begin removing the inaccuracies on your credit report and restoring your credit to its rightful place.

Call us today at 1-888-622-1808 or fill out a Contact Form and a consultant will get back with you shortly.

THE COST OF BAD CREDIT

Whether purchasing a home, car, or a cell phone, credit is a necessity and bad credit can be the difference between achieving these things at a higher interest rate. Sometimes, it can even be the difference between approval and denial.