FIXING YOUR CREDIT
Basics About Credit Repair
What Is A Credit Repair Company?
Fixing Your Credit
Basics About Credit Repair
Improving a credit score takes knowledge and most people don’t know know how to remove negative items listed on their report. The Fair Credit Reporting Act outlines the right to have accurate credit reports for any US citizen. You can repair your credit on your own however the process is complicated and you need specific tools to increase your score.
Zippy Credit Score Repair has all tools to dispute your credit and we have streamlined the process. All you have to do is sign up and we send out letters to dispute any negative items that are affecting your credit score.
How does Zippy Credit Score Repair fix your credit?
We start by receiving your credit report and analyzing it thoroughly. Next, we send certified letters to dispute and challenge the negative items for you. We continue to do this until we see your credit score increase on your credit report.
Our credit managers are here for you With personal solutions with one-on-one time to speak about your concerns.
Why do you need to repair your credit?
If you are looking to qualify for a mortgage, car loan, rent, credit card, or line of credit, Credit repair can be very useful. A low credit score also creates higher interest rates and finance charges so it’s helpful to get a competitive rate.
Bad credit can be temporary and it happens to many people because of life-changing events of stolen identity. The great news is it can be changed and you have the tools with Zippy Credit Score Repair.
When will my credit score increase?
We work with an accelerated effort to get your credit report increased by 28 days. Depending on how each credit bureau responds to the credit dispute, it can take up to 45 days in some circumstances. A credit score of 750 can happen fast but there is no guarantee of the exact time frame.
What Is A Credit Repair Company?
What do credit repair companies do?
What Zippy Credit Score Repair will do is dispute inaccuracies on your credit report with the credit bureau to help you improve your credit score. We will evaluate your situation and break down what needs to be changed and what items are more complex. We understand that it would be difficult to do this on your own.
We first have you sign up for your credit report and then we help you understand your credit situation. We work with all three credit bureaus including TransUnion®, Experian® and Equifax®. That way all of them will reflect the same.
We look for Delinquencies, Duplicate accounts, Accounts that aren’t yours, inaccurate accounts, inquiries, fraud, and missing accounts. They we file the disputes and work on getting you a healthy credit report.
Is this fixing credit legitimate?
The Credit Repair Organizations Act (CROA) was put into place to help regulate the industry and protect consumers from illegal credit repair scams. Under CROA, credit repair companies are not allowed to guarantee the removal of negative items. We also have lawyers that review our business from time to time and we have full knowledge of what can be done and what can’t be accomplished.
Do your research and understand your rights under the Credit Repair Organizations Act. Legitimate credit repair companies will be up front about how they can assist you and what services they think will work in your favor. They’re here to help you understand your credit standing and want to work with you to improve your credit score.
How much does it cost to repair my credit?
We disclose our pricing on our website but it also depends on how many items and specific circumstances on the total costs.
Can I Repair My Credit?
Repairing your credit on your own really depends on how many items are on your credit report, if you have time to deal with the details and have all the documentation to do it.
You will need to contact the business the reported the error, send letters to your creditor such as pay for delete, goodwill letter and a 609 dispute letter, letter of dispute letter to each credit bureaus.
The laws play a major role in the credit repair process to protect consumers. The implemented the The Fair Credit Reporting Act (FCRA) which grants the following to the consumer.
The Fair Credit Reporting Act (FCRA) plays a major role in the credit repair process, as its laws protect consumers by governing credit bureaus and furnishers like creditors and financial institutions. Some of the key laws and rights granted in FCRA include:
- Your credit report is being used against you financially
- You can limit who can access your credit reports
- You can seek damages from credit bureaus violating FCRA
- You can challenge incorrect and incomplete items listed on a credit report
- Financial institutions are required to only report complete and accurate consumer information
- Credit Bureaus can verify the accuracy of the information listed on the report
- Credit bureaus are required to provide one free credit report every 12 months