You do not need to wait 7 to 10 years for items to fall off your credit report.
THE LAW IS ON YOUR SIDE
Credit Repair Lubbock Texas , YES you came to the right place.
Federal laws allow the dispute of items on your credit reports. You as a consumer, have the right to seek assistance with this process. We understand the system and can save you time and money. Our services handle all the work for you and ensure your credit reports are free of mistakes, false negatives, identity theft and inaccuracies which will lead to higher credit scores and better borrowing opportunities.
NEED CREDIT REPAIR CALL US TODAY!
Have Our Credit Experts Help You With the Following Disputes and Removals:Federal Tax Lien,Bankruptcy, Public Records, Repossessions, Foreclosures, Judgments, Credit Fraud,Late Payments, Collections, Identity Theft, Excessive Inquiries,Reporting Errors, Charge-Offs
5 Reasons Why Good Credit Matters
WHAT IS A CREDIT REPORT AND SCORE?
A credit score is a three-digit number that measures how likely you are to repay a loan on time. It uses information from your credit report to predict the risk of you not paying that loan back 24 months after scoring.
A credit report is an explanation of your credit history. It states when and where you applied for credit, whom you borrowed money from, and whom you still owe. Your credit report also tells you if you’ve paid off a debt and if you make monthly payments on time.
How can I get a copy of my credit report and score?
The three nationwide consumer reporting companies- Equifax, Experian, and TransUnion are required by The Fair Credit Reporting Act (FCRA) to provide you, at your request, with a free copy of your credit report once every 12 months. (Available at www.annualcreditreport.com)
How much does it cost?
You will have to pay around $14 to receive an addition credit report within 12 month of when you received your free report. To receive a copy of your credit score, you will have to pay one of the three nationwide consumer reporting companies around $14.
Who do I get help from if I find something wrong?
You are responsible for correcting inaccurate or incomplete information in your report. There are two things you should do if you find an inaccuracy. First, tell the consumer reporting company (where you got the report from), in writing, what information you think is inaccurate. Consumer reporting companies are required to investigate anything in question and must forward all relevant data to the organization that provided the information. Second, tell the creditor or other information provider in writing that you dispute an item.
How to “Fix” Your Credit by Yourself
There is no quick fix for your credit. Information that is negative but accurate (such as late payments and delinquencies) will remain on your credit report for 7-10 years. However, there are steps you can take to start building a more positive credit history and improve your credit scores over time.
Check Your Credit Report
To get a better understanding of your credit picture and what lenders can see, check your credit report.
- If you need help reading your report, you can learn more about how to read your Experian credit report.
- If you want to learn more about credit reports in general, you can read about credit report basics.
- If you find information that is incorrect, you can file a dispute. Remember too, that items on your credit report that you don’t recognize could also be potential signs of fraudulent activity — someone working to secure credit in your name for their own use. Make sure you’re clear on items that could potentially be fraudulent, versus those that may simply be inaccurate.
Improve Your Payment History
Your payment history is one of the most important components of many FICO scoring models. Late and missed payments will reduce your scores, and public records and collections can cause significant damage. This negative information will remain on your credit report and impact your credit scores for 7-10 years.
Your scores often take into account the size and recency of your debt. The bigger your debt is and the more recent your missed payments are, the worse your score will be. Bringing accounts current and continuing to pay on time will almost always have a positive impact on your credit scores.
Know Your Credit Utilization Rate
Credit scoring models usually take into account how much you owe compared to how much credit you have available, called your credit utilization rate or your balance-to-limit ratio. Basically it’s the sum of all of your revolving debt (such as your credit card balances) divided by the total credit that is available to you (or the total of all your credit limits).
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