The Fair Credit Reporting Act, 15 U.S.C. § 1681 (“FCRA”) is the law in place to insure the accuracy, fairness, and privacy of your information within the files of the credit bureaus and reporting agencies. Passed in 1970, the FCRA is regulated by the US Federal Trade Commission and the Consumer Financial Protection Bureau. The Fair Credit Reporting Act was put in place to prevent deliberate, undo, and/or false information in consumer credit reports. The FCRA regulates the gathering, circulation and the use of your, the consumers’ information, your credit information is no exception. Consumers rights are based on two laws, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act (“FDCPA”).

According to the FTC, “The 2012 study found, among other things, that one in five consumers had an error that was corrected by a credit reporting agency (CRA) after it was disputed on at least one of their three credit reports. The study also found that about 20 percent of consumers who identified errors on one of their three major credit reports experienced an increase in their credit score that resulted in a decrease in their credit risk tier, making them more likely to be offered a lower auto loan interest rate.” The removal of errors, misrepresentations, outdated and/or unverifiable information from your credit reports leads to a higher credit score for you.

We understand knowing what our services cost is important. Everyone’s credit restoration needs are different and therefore we custom design a program for each individual client. The cost for our services to Raise Your Credit Score are As Low As $99.95 a month.

Credit affects EVERYTHING in life. Your credit score is the main determining factor in calculating the interest rates you pay for mortgages, auto loans, credit cards, lines of credit, apartment renting, and more. Lenders and Businesses view your credit score to be the main determining factor in deciding whether or not they should do business with you and on what terms. Having a low credit score leads to being charged a higher interest rate for loans and product financing or simply being denied the loan because the lenders feel doing business with you carries a higher risk factor. Let us help you Raise Your Credit Score.

Payment History – 35%:

Can you be trusted to repay money lent to you.

Amounts Owed – 30%:

How much you owe.

Credit History Duration – 15%:

How long have you been borrowing and paying back.

New Credit – 10%:

How much have you recently borrowed or tried to borrow.

Types of Credit – 10%:

What exactly have you borrowed money for.