Credit Report dispute letters

credit repair and FICO credit repair report service

Credit Inquiries Effect On Overall Credit Score

The Best Credit Repair Dispute Letters. $89.99/Yr.

Removing hard inquiries on your credit report is very difficult. Using the help of a Non-Profit makes it easier to accomplish. Using our letterheads and contacts we have one foot in the door for you. Removing delinquencies and inquires will help you raise your FICO score to help get better rates on cars, homes, along with personal or business loans.

Credit Delinquencies Effect On Your Credit Score

Just one late / delinquency comment on your credit report can make your FICO score lower by 30 points or more.. The longer the late payment, i.e. 90 days versus 30 days late, the larger the the drop in your credit score.

Collection Account Effect On Your Credit Score

A collection account showing up on your credit report id detrimental to your credit score. With collection accounts you will see an average drop of 80 FICO points on your credit score.

Who are we?

We are a community service organization composed of expert credit repair volunteers that used to work at other various credit repair companies that charged outrageous fees to customers and got no results for the customers. As a group we aim to provide the best credit report dispute letters possible to individuals that need help removing delinquencies, late comments, short sales, collections and inquiries on their credit reports from the three major credit bureaus: Experian, Equifax and TransUnion. Our certified counselors are experts at removing negative credit report items that hurt your FICO score.

Why use us over Credit Repair Companies and Law Firms?

A Credit Repair company must do several things to be legitimate to meet FTC, USPS and IRA codes. Including:

(Link to source about what to avoid)

* Companies that want you to pay for credit repair services before they provide any services. Credit repair companies cannot require you to pay until they have completed the services they have promised.
* Companies that do not tell you your legal rights and what you can do for yourself for free.
* Companies that recommend that you not contact a credit reporting company directly.
* Companies that suggest that you try to invent a “new” credit identity — and then, a new credit report — by applying for an Employer Identification Number to use instead of your Social Security number.
* Companies that advise you to dispute accurate information in your credit report or take any action that seems illegal, like creating a new credit identity. If you follow illegal advice and commit fraud, you may be subject to prosecution.

It is our goal to provide you with the best available credit dispute letters at all times. Your annual fee is less that most credit repair business start-up fee alone. You will provide the hard part to most credit repair places: printing and mailing. We are giving you the secret letters for a low price.

We will continuously provide you with the best letters that have proved to remove late payment comments, inquiries, collection accounts, short sells and more in just weeks with permanent results on your report.

What you get?

We give you full access to our database of letters that actually work. These are the same ones credit repair companies use, exact same. These are not the free ones you get on the internet. (You are welcome to Google for those on your own.) You will get to download and use them whenever you want. Simply fill in the blanks, print and send by certified mail to the creditors and credit bureaus.

Why do it?

Simply subscribing to this service will raise your credit score. It will pay for itself with lower loan rates, larger loans and larger credit lines. For the price of a family trip to the local restaurant you can save yourself thousands of dollars in interest charges over your lifetime along with embarrassment from being turned down for new lines of credit.