Credit repair is the process of improving a poor credit score by addressing or removing negative items that could be listed on your reports inaccurately. Although the Fair Credit Reporting Act outlined the right for Americans to have accurate credit reports, credit reporting agencies require you to navigate complicated online systems and send a series of formal dispute letters in order to fix your credit.
To make credit repair easier, Clean Credit Crew can identify and challenge questionable items on your behalf.
If questionable negative items are hurting your credit, removing them can improve your score. Here’s how we do it.
Provide client with a complete credit analysis (reviewing their credit report to help identify potential inaccurate, outdated or unverifiable information)
Develop a personalized strategy to address and resolve client's past credit issues to assist them with maintaining a positive credit score.
Negative items and inquires deleted from credit bureaus (Experian, Equifax, and Transunion) within 90 days. Items that are not deleted will continue to be disputed for 12 months.*
Seasoned tradelines added to client's credit if needed at the end of the expedited service. **
If the client is not satisfied after the service, the client is entitled to a refund within 2 months of the service start date. This refund will exclude 50% of the enrollment fee. Client may cancel contract agreement within 2 days without penalty.
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* If client is not subscribed to the flat rate service, there is a monthly filing fee of $200 that will auto draft monthly payments until all negative items are deleted to reprocess inaccurate, outdated or unverifiable accounts.
Credit repair is a financial literacy service that identifies & evaluates with the intentions to remove derogatory inaccurate & unverifiable accounts from consumers’ credit reports. Throughout the credit repair process a variety of dispute strategies and methods are implemented to remove the derogatory accounts from consumers’ credit profiles.
The credit repairing timeframe depends on the severity of your credit profile PRIOR to starting the credit repair process. The type, amount of negative accounts and who the creditors are that owns the negative accounts on your credit profiles has a significant impact on how long it will take to repair your credit profiles.
ESTIMATED CREDIT REPAIR TIMEFRAMES: (May vary depending on creditor)
Clients must create a credit monitoring account to pull updated credit scores and reports (click here to pull your updated scores and reports).
FICO and “The score lenders use” are trademarks or registered trademarks of Fair Isaac Corporation in the United States and other countries. CMS and Credit Management System are registered trademarks of Dekamco Development LLC in the United States
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