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Start with the Credit Report
A good credit report tells other organizations about your credibility as an individual or even as a businessperson. Therefore, it’s important to ensure that your credit reports are free of inaccurate and negative information. This process is called "credit repair."
How Does Credit Repair Work?
Credit repair is the process of removing negative information from your credit reports. This is most often a service that a third-party company, commonly known as a "credit repair company," provides in exchange for fees. This is a legal process and can significantly help people improve their credit reports.
Usually, the information that the credit repair company removes from your report is inaccurate and is affecting the report negatively. This is negative information that will cause the person inconvenience when trying to take on any form of financing such as paying higher interest rates or getting declined.
All credit repair companies must abide by the federal Credit Repair Organizations Act. According to the law, a credit repair company should never encourage their clients to make false statements or change identification to mislead the reporting agencies.
How can A1 Credit Partners help you?
The first thing we will do is evaluate your situation and determine which accounts need to be challenged. This is done through an in-depth analysis of your credit reports and a closer look at each account with you.
The next thing we do is communicate with the credit bureaus about the problematic or inaccurate information.
Our communication is much more effective than what it would be if you did it on your own because these professionals speak the same financial language. As a result, we can explain the problem and make a better point about why something may be inaccurate.
After that, the bureau official might delete the information if it is in fact proved inaccurate.
These communications are mainly done by mail, email, or phone calls. Surprisingly, the good old mail or postal service is the most preferred mode of communication among them. The biggest reason is because the Fair Credit Reporting Act states that if a credit report is challenged and the dispute isn't resolved within 30 days, the account in question will be deleted.