They finally brought me back down to just 9.9%, I never thought Id get such a good rate! ...and by the way, I just bought a car for a great deal too!" Dawn K. Anchorage, AK Every year there are millions of peopleespecially now more than everthat have to live with the cost of having bad credit. Over 70,000 people contact us every year, so you're defnitely not alone. These same people are probably in your exact sitaution... denied for credit or maybe over-paying on credit report score Butte the credit they do have. It's credit report score Butte frustrating, and even depressing (I'm sure you agree).
The testimonials you just read were from people who felt the same waybefore they came to our website. But now they've made some smart decisions, they have excellent credit, and life is a credit report score Butte little easier because of it. Most people have no idea that just one negative item on your credit file could cost you thousands of dollars and plenty of grief. Getting it removed could be the difference between SAVING thousands of dollars, or whether or not you get approved in the first place. There are so many credit report score Butte benefits, it would be impossible to list credit report score Butte them all. I'm sure you see the advantages of having good credit credit report score Butte though. Next you'll easily see how you can get it. There are two acts that were created to protect your credit rights, the Fair Credit Reporting Act (FCRA) which works together in many ways with the Fair and Accurate Credit Transactions Act (FACT Act), and the Fair credit report score Butte Debts Collections Practices Act (FDCPA). free official credit report Well they'credit report score Butte re simple to understandso don't worry. They hold the credit reporting agencies and your creditors responsiblelegally. This means every claim made against your credit has to be provenwhich is a beautiful thing.
Because this is credit report score Butte where it gets good... By now, I'm sure you want to do something about your credit.
Here's how we'credit report score Butte re going to do it: Anyone can get a copy of their credit reports credit report score Butte because of those two acts.
They'll charge you a $35 fee to get them, credit report score Butte but you must have them to start.
Once we have a copy of your credit reports we'll go through the negative items (i.e. late payments, outdated credit report score Butte or inaccurate information, judgments, collections...the usual) credit report score Butte and work to get as many of them legally removed as possible. credit report annual All the things that lenders, credit card companies, auto dealers, and so on look at when they credit report score Butte decide whether to give you that car, credit card, interest rate, or home loan you want. Anything on your credit report that contains inaccurate and negative information is credit report score Butte corrected or removed, and confirmation is sent directly to you.
We'll go through credit report score Butte the credit bureaus right to the original creditor who placed the negative item on your report if necessary to remove it. After that, new copies of your credit reports are sent to you listing the improvements to your credit. Maybe your credit report shows you have late payments three months in a row for a credit card credit report score Butte back in 2009. We'll dispute this with your credit card company and ask for proof. The truth is, either they credit report score Butte won't respond with the right documentation because they have no record of it, or not bother with our dispute at all.
And just like that, the three months of late payments, according to your credit report, never happened. It must come off your credit report by law. The same credit report score Butte applies for collections, chargeoffs, etc. Many times the companies don't even get back to us, you would be surprised. reports credit You'credit report score Butte ve got thousands upon thousands of people you have to keep track of, and you get a letter asking you to prove an event from 2009 for one of credit report score Butte your millions of customers. Companies do not have time for that and they certainly don't have the staff for it credit report score Butte either. And even if we don't remove it from your record in the first dispute, we'll send another one, and another after that. It's like credit report score Butte releasing a highly trained swat team that has a decade of experience on your creditors.
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