Credit bureaus are pretty bad at keeping accurate records. In fact, there's at least a 1 in 3 chance that your credit report contains mistakes ... and that's a LOW estimate. The Charles Givens organization estimates that an unbelievable 90% of credit reports contain mistakes!

So it's obvious that, using even the low estimate, it's highly likely that accounts in your credit report are inaccurate, or may not even be your accounts at all!

But the really scary part is ... even ONE mistake can result in you being turned down for credit!

In 1972 the US Congress passed the fair Credit Reporting Act (FCRA) to address these abuses.

We have a solid understanding of your rights under the Fair Credit Reporting Act, and with the remedies available to you to verify that all the information in your credit report is correct and accurate. 
 
We will review and assess your credit report and search for items that we believe, based on our experience, have a high likelihood of being in error. Once we have identified probable areas of concern, we will guide you in requesting review and verification of their accuracy by the major credit bureaus, as required by the FCRA.

1. Accounts reported as yours that are not yours
   
2. Details of an account are not being reported accurately
   
3. You paid off accounts but they are not shown as paid off
   
4. Paid accounts reported as turned over for collection
   
5. An account you applied for but never opened is being shown as having been opened
   
6. Report shows settled foreclosures as still pending
   
7. Your child opened account in your name
   
8. Details of a mortgage are being reported inaccurately
   
9. Employer information is incorrect
   
10. Incorrect salary
    
11. Payments you made were not credited to your account
    
12. Address is incorrect
    
13. Incorrect social security number
    
14. Timely payments being reported as late
    
15. Report incorrectly shows you as having filed for bankruptcy
    
16. Report shows a bankruptcy pending that was already discharged
    
17. Incorrect credit limits
    
18. Car loans that were paid off are shown as still open
    
19. You closed an account but it shows as closed by the merchant
    
20. Report erroneously shows pending legal actions
    
21. Reports legal actions as pending that were already settled

In consultation with you, we will prepare and put into action a plan to help you substantiate the accuracy of all the accounts in your credit report ... to substantiate that it was you who applied for all the accounts in question, and that everything about those accounts is being reported correctly.

We will guide you in carrying out the plan, and will work with you in the execution of the plan until everything in your credit report has been either validated or corrected.

Besides negative accounts, there are other factors that can cause a low credit score. But unfortunately this is where a lot of "Credit Repair Agencies" quit!

But we go beyond simply challenging account information in your credit report.

Did you know that the number of requests for your credit report can bring your score lower? And given the poor record keeping by the credit bureaus, there's a high likelihood that requests were made that you did not authorize (as required by law).

Yet another matter that bears careful attention is the "debt ratio" ... your level of debt compared to your "credit limit." We also help you increase your credit score by adjusting these levels.