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© 2019 by Briana Browne

raise your credit score 100-200+ points

How Credit Repair Works

The three major credit reporting agencies are Equifax, Experian, and Transunion.  These are multi-million dollar corporations that operate for profit.  They are not affiliated with the government in any way.  They make their money by selling your personal information to creditors for credit and insurance offers.  They also sell your information to employers and landlords but worst of all, they sell your private personal information to telemarketers and mailing list companies without your permission.  The point we are trying to make is that these big corporations do not have your best interest in mind.  They will admit that errors exist on credit bureaus, but they go on to state that it is not their job to ensure the information is accurate.  It is up to you, the consumer, to prove that your report is inaccurate.

WHAT WE DO
The Federal Trade Commission and Consumer Credit Protection Act have enacted hundreds of regulations that credit reporting companies, collection agencies and credit bureaus must comply with in order for any reported item to remain on your report.  When SCG receives your file, a skilled credit analyst reviews your reports to determine which items can be challenged and the best way to dispute them to help improve your credit profile.   The process is ongoing with each of the three major credit reporting agencies.

Within 30 to 36 days after disputing your credit file, the credit bureaus respond with a summary that shows the results of each challenge made.  Our overall average success rate in removing unverifiable derogatory items is 85% to 95%, in most cases.  Best of all, the items that tend to be removed first are those that are the most harmful to your reports, such as bankruptcies, tax liens, judgments, charge-offs and repossessions.  While the full process takes an average of three to six disputes in most cases, many clients see enough improvement in their score to allow them to qualify for a mortgage or low-interest car loan in as little as 45 to 90 days (results may vary).

HOW WILL I RECEIVE THE CREDIT REPORTS?
The credit bureaus will mail your credit reports to your mailing address, and you must forward them to us immediately.  The only way that we will be able to dispute the negative information on the credit reports, is if you send them to us.  We ask that you follow the instructions that you will receive from us and mail, email or fax all correspondence from the credit reporting agencies to our office as soon as you receive them.
 

We realize how that sounds, but it’s true!  We have had great success helping people with every kind of credit problem.  After utilizing our service, many clients have been able to buy a new home, a new car, or just meet the credit needs of their family.

Our Credit Repair Service has helped thousands of people restore their credit and raise their Credit Score.  There are companies out there that guarantee results, but they do not care about you or your credit situation.  If you do not send your reports back to them, they do not care because they already have your money.  We stay in contact with you to make sure you are sending your credit reports to us so we can continue disputing the information.  There are no ongoing fees and you will be eligible for a refund if we don’t improve your credit profile at the end of the contract term!!!