Get $10 Off Your First Month of Service at Credit Firm (Site-Wide)
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About the product / service
Our credit repair program is pretty simple, we focus on improving our client's credit scores through the removal of derogatory accounts in their credit reports and the optimization of several other factors which are used to calculate the credit scores.
Here's the process:
1. Credit Bureau Investigations
We investigate the derogatory accounts on your credit reports and verify the accuracy of each and every data point of information in every trade-line. Data points such as the date of last activity, the date opened, the balance, the status, the ECOA codes, etc.... If anything is found to be inaccurate, misleading, biased, unverifiable, incomplete, or just plain wrong, the account is either updated or deleted from your credit report.
If at any point something comes back as verified, we request an MOV from the credit reporting agency. MOV stands for Method Of Verification, simply, we're requesting that the credit reporting agency show us how they verified the accuracy of an account and whether their MOV was within the guidelines of a proper investigation per the FCRA (Fair Credit Reporting Act). At this point, the credit reporting agency (CRA) either provides the MOV or deletes the account. If the MOV is provided by the CRA, we forward the information to the CFPB (Consumer Financial Protection Bureau) for review. The CFPB will at that point review the MOV, if the MOV falls outside of FCRA guidelines, the CFPB has the credit bureau delete the account off your credit report.
While conducting these investigations with the credit reporting agencies, we also contact all creditors and 3rd party data furnishers, like collection agencies, and request debt validation. Debt validation requires the creditor/data furnisher to provide documents such as original contracts, statements, etc..., to prove your liability in the debt. If the debt is not validated within the FCRA time-frame, the account is deleted from your credit report. If the creditor sends in the required documents they are forwarded to the CFPB for review. The CFPB will then make a determination of whether the documents meet the criteria outlined by the FCRA for debt validation and either delete or verify the account. We also match up the information from the paperwork to the info reporting in your credit reports. If the validation documents do not match up to the numbers reporting on your credit file the account is deleted off your reports.
We also look at your credit reports as a whole, and there are 5 main factors used to calculate your credit scores. In order to increase your credit scores, we look to optimize the following factors.
- Payment History
- Credit Utilization Rate
- Length of Credit
- Mix of Credit
If you need to establish credit or pay down your credit cards in order to improve your overall credit scores, we'll advise you to do that, if we need to work on inquiries, we'll do that by verifying the permissible purpose of each inquiry with every creditor reporting to your credit file. Whatever we can do to increase your credit score will be done.
5. And More
There are a plethora of other tactics and procedures we use to remove derogatory accounts and help our clients improve their credit scores but, you're probably getting tired of reading and starting to skim the info at this point. Suffice it to say that we will do everything in our power and use every legal tool and procedure at our disposal to remove as many accounts as possible and improve your credit scores.
We work on permanently deleting the negative information in your credit reports and help you better manage your credit in order to increase your credit scores.
Is This Legal?
Yes, in fact, that how we get so many accounts deleted for our clients. We leverage consumer protection laws given to you by FACTA (Fair and Accurate Credit Transactions Act), FCRA (Fair Credit Reporting Act) and FDCPA (Fair Debt Collection Practices Act).
CreditFirm.Net is a registered credit services organization in full compliance with the CROA (Credit Repair Organizations Act).
The fees that we charge for our services are very straightforward, $49.99 per month - that's it. No $500 sign up fees, No $50 consultation fees, No $20 credit report fees.
Just $49.99 a month, that's it - never more, no matter what.
Our services are month-to-month, which means that there's no long-term contract to stay with us for any amount of time. You can stay with us for as little or as long as you would like and cancel at any time.
Some of our clients just want us to get their scores up to 640 so that they can qualify for a mortgage, while others keep is working until they hit 750. We can work on your credit for as little or as long as you would like, which is typically 6-12 months.
Every client enrolled with us gets access to our client portal which will give you access to your case status, notes, investigation history, attachments, and more. This way, you can access your account 24/7 and get an update on your case any time you want.
A little about us:
We have been helping our clients remove negative information from their credit reports and improve their credit scores since 1997. We have an A+ rating with the BBB and would love the opportunity to help you improve your credit scores and reach your goals.
If you're ready to get started, you can sign up online by going to https://creditfirm.net/signup/. It takes less than a minute and we'll get started working on your case the same day.
About the merchant
Details about this promotion
CreditFirm.net is a leading provider of credit report repair services for consumers within the United States. Established in 1997, we have helped over 80,000 consumers in all 50 states improve their credit reports and increase their credit scores. CreditFirm.net is a licensed and registered credit services organization with an A+ rating with the Better Business Bureau (BBB).
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