Professional Credit Repair Services Financial freedom at your fingertips Financial freedom at your fingertips Financial freedom at your fingertips
Based in San Bernardino, CA, with branches throughout the USA, including Los Angeles, San Diego, and Las Vegas to name a few, our aggressive attorney-powered credit repair process is considered the best in the nation.
As trusted, recognized leaders in the credit repair industry, we empower you with legal expertise to reclaim your financial freedom. Let our seasoned attorneys champion your cause.
About Us
Our company uses preferred attorneys who are credit repair professionals. When you contact our office for an initial consultation, we will be very upfront and honest about your options, what you can expect, and how much credit repair is likely to cost.
Because we are a law firm and not a credit repair service, we are held to the highest professional standards and we take our commitment to our clients seriously.
Our longevity is based upon our client’s long-term success.
Our Services
Credit Examination
Our lawyers will look over your credit report carefully to find anything that is wrong, dishonest, missing, or can't be trusted in any way.
Attorney Advantage
The lawyers at Credit Repair will start free low credit scores by doing exams and following federal laws and acts of Congress.
1-on-1 Plan
After we find out where your credit could be better or where there are problems, your special Case Advisor will fight for you.
Careful Credit Management
We not only work to help you improve your credit score, but we also set up a credit management system so you can see how things are going.
Seeing Guaranteed Results
After the companies answer our complaints, your credit will start to get better. How long it takes varies on how many things are filed.
Enjoy Better Credit
With a better credit score, you can start to enjoy many perks, such as lower car insurance rates and lower interest rates on home loans.
WHY CHOOSE US
We also would counsel you on real, legal, and ethical credit repair for clients who are rebuilding their lives and credit ratings after hardship. Achieving financial freedom is the ultimate dream that allows you to live the life you finally want to enjoy.
Our credit restoration services are tailored to your unique situation, and we never make you pay for anything you don’t need. When you sign up for either our Essentials or Essentials Plus packages, you can rest assured that you’ll be receiving the bare minimum of care necessary for your specific situation.
To further tailor our offerings to your specifications, you can opt for additional customization options. In this manner, you won’t overpay for perks you don’t use. This is the essence of adaptability.
Areas We Cover
LOS ANGELES, LAS VEGAS, SAN DIEGO, SAN FRANCISCO, DENVER
Steps in the Credit Repair Process:
1. Know the Credit History
Initially in the process of credit repair, you must have to know your credit score in your history. For that you should apply with concerned authorities
(“Credit Bureaus: Experian, TransUnion and Equifax”) to get your credit report and know the exact scores to start further work. This is the first step towards credit repair and is essential to start examining the problem in our data of credit history.
2. Identify Errors and Differences
It is important to know first what is causing the damage and what is the mistake that you must change to make things right. So, identification of errors in the credit report is also an important step in the process of credit repair.
Without diagnosing the problem, you cannot give the required treatment to solve it. So, it is better to understand the exact issue and identify errors and differences to understand the nature of the problem and prepare a plan to start the work to resolve them.
Once the mistakes are identified then we have the next step to follow and that is to dispute inaccurate information.
3. Dispute Inaccurate Information
After getting credit report and identifying the mistakes, the next step is to discuss the information that you think is wrong and is impacting your credit score with the relevant authorities.
You can always come up with evidence proving your statements opposing the credit history. It is better to provide solid evidence in the form of receipts or letters of your payment.
Apart from this you can always request a goodwill adjustment or negotiate a settlement if you have late payments or outstanding debts. Higher outstanding debts, credit card balances and remaining debts and late repayment of installments can severely damage your credit score.
It is better to start repaying debts that have higher interest rates and are causing you the most pain by devising a proper repayment plan. This practice will also save you money in the long term.
4. Monitor your Credit
After completing the process of the credit repair and resolving the issues, it is your responsibility to the long care of the mistakes and must not repeat them to put an end to further problems.
So, to achieve this goal you must monitor your credit on a regular basis and address the issues instantly to maintain a good credit score in future to secure loans and other financial services hassle free.
You can always get professional help from agencies that deal with the credit repair sort of thing that could help you a lot and will ease your burden.
But before getting assistance, make sure that the firm has legal compliance with set standards and has good experience and reputation but always be aware of potential scams in the market.
Benefits of using Credit Repair Agencies:
Credit repair agencies offer the benefit of helping individuals increase their credit scores by identifying and disputing errors on credit reports, negotiating with creditors, and providing personalized financial guidance.
They can save clients significant time and effort, particularly for those unfamiliar with credit laws or the dispute process. Additionally, they often have experience navigating complex credit issues, which can lead to faster and more efficient results.
Using a credit repair agency can provide peace of mind by having professionals manage the process, potentially boosting a credit score more quickly than tackling the issues alone.
Benefits of using Credit Repair Agencies:
- You will get firsthand knowledge of the professionals hired by the agencies. Their hired experts will help you out of the problems, even the complex ones.
- The experts hired by these credit repair companies are experts in their field and have a strong understanding of the credit laws and regulations.
- They can easily get you out of the legal complexities which are a hard nut to crack for a normal person with no background in financing or economics.
- Using the help of a professional can help you a lot in saving your precious time in handling your credit repair plan. They are experts in drafting your credit reports and dispute letters and that too the with the proper consideration of legal norms.
- You just need to carefully follow the instructions and the rest will be done by the credit repair agency itself.
- Credit Repair agencies after completely knowing your financial situation and report come up with a plan customized specifically for you.
- This is the most efficient way to deal with the problem than going with the general process designed for everyone because that will cost you a lot of time, money and effort.
- The plan is personalized for you and will work in a more specific way knowing your crisis and situation more directly. This is a most promising way of dealing with the problem and developing a plan to curb the issues.
- Various credit repair agencies also provide counselling services and sessions to help you better understand the practice of credit repair and managing your financial practices.
- In future these counselling sessions will help you a lot in retaining a acceptable credit score and devise financial life in a more organized and better way.
- Credit repair agencies organize various sessions that can private and general as well, but the core idea is the same in both ways and that is to educate consumers and create awareness about financial management and ways to improve and maintain good credit score in your credit report.
Maintaining Good Credit Habits:
As mentioned earlier, credit repair manages to undo the things that cause damage to your credit score. However, maintaining good credit habits is an equally essential thing to do after the credit repair. It is not a tough job to do. It requires punctuality and consistency in maintaining your financial operations on time.
Repaying outstanding debts, maintaining low credit card balances, avoiding action on new credit card applications, and regularly checking out your finances are pretty basic things to do but are very effective in maintaining your financial health and credit scores.
Apart from these basic and necessary functions you must behave responsibly and use your financial sources in limits that suit your account and avoid high debt credits that can cause a lot of damage to your credit history in the long run.
Last but not least, you must keep yourself updated with the credit management and mechanism of how the credit management system works. It will help you in managing your financial work in more organized ways.
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Corporate Office: 577 N D St SUITE 112H-B, San Bernardino, CA 92401