Inaccurate or unfair credit report? Need your credit report dispute process professionally managed? A good credit bureau report & score may become a part of your day! CREDITedit, LLC is a NO ADVANCE FEE, NO MONEY UPFRONT Credit Restoration Agency serving the United States. We're not like those misleading credit repair organizations, services or "law firms" that enroll consumers in cheap monthly plans that take too long to process your emergency situation. Many of those slow plans usually result in poor or no response from credit bureuas or creditors. Our 19 years of cumulative experience enabled us to become a FASTER CREDIT RESTORATION & DOCUMENT PREPARATION COMPANY. Past client experiences have resulted in FIXED BAD CREDIT & BOOSTED CREDIT SCORES. Of course, it is important to note that every consumer situation is different, and results will vary.
An expertly TRAINED STAFF can aggressively evaluate, dispute, challenge, prepare LEGAL FORMS and little-known techniques to have certain questionable or false bankruptcies, repossessions, foreclosures, liens, judgments, charge offs, late payments, past due debts and other certain negative, unfair, incomplete, inaccurate, unverifiable or obsolete credit report information corrected, restored, removed, modified or DELETED (accurate and not obsolete negative credit report information may not be removed) from your profile as
GUARANTEED by LAW!
Don't confuse LEGITIMATE CREDIT REPAIR with a scam. We offer an optional service if you do not understand the credit reporting industry, or you would rather have an expert draft your credit report dispute letters. By law, we are not permitted to make any promises or guarantees.
We have been known to fix other credit repair companies' mistakes!
If you decide to go with another credit repair company because you think its "cheaper", flashier, "everyone else goes there", or more its more believeable, PLEASE think twice. Anyone can make something believeable or fancy, but, in reality, it may be too good to be true. Over the years, companies have come and gone. Even today, some misleading companies make several internet sites that you think are impartial, neutral, or "The Top Tens (10)" when, in reality, that very website is owned & operated by the same company that just "recommend" themselves leading you to believe that the "recommendation" came from an "average Joe Consumer"! Remember the Brady Bunch's 1971 TV episode about "Caveat Emptor" (Let the Buyer Beware)!
Our credit & document preparation service is very legal, ethical and very powerful. Appropriately using the Fair Credit Reporting Act (and other consumer protection laws), we can properly prepare challenge / dispute letters, on your behalf, that may quickly correct, fix or modify an unfair, incomplete, inaccurate, unverifiable and/or outdated Equifax, Experian or TransUnion CONSUMER REPORT item. See ACTUAL CLIENT RESULTS to discover what we have achieved for past clients!
We offerNO ADVANCE FEES -- NO MONEY UPFRONT.
Review this website, or compare similar services, for information and answers to your "how to" questions; and to make an INFORMED, EDUCATED DECISION of whether you want to repair, clean-up or clear certain adverse history ratings on your own; or whether you want to employ CREDITedit for professional services that have helped others have their credit history reported in the BEST POSSIBLE LIGHT. Imagine your life with better credit...
FTC on Credit Report Errors
I'm just following up on the incredible services you provided me ...your services are greatly appreciated... today I have a smile on my face, thanks to you.
- Andrea L., MST CPA PC
Improving Your Credit Report
Under the FCRA, both the consumer reporting company and the information provider (the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under the FCRA, contact the consumer reporting company and the information provider if you see inaccurate or incomplete information.
1. Tell the consumer reporting company, in writing, what information you think is inaccurate. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report that you dispute, state the facts and explain why you dispute the information, and request that the information be deleted or corrected. You may want to enclose a copy of your report with the items in question circled. Send your letter by certified mail, return receipt requested, so you can document what the consumer reporting company received. Keep copies of your dispute letter and enclosures.
Consumer reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file.
When the investigation is complete, the consumer reporting company must give you the written results and a free copy of your report if the dispute results in a change. (This free report does not count as your annual free report under the FACT Act.) If an item is changed or deleted, the consumer reporting company cannot put the disputed information back in your file unless the information provider verifies that the information is, indeed, accurate and complete. The consumer reporting company also must send you written notice that includes the name, address, and phone number of the information provider.
If you request, the consumer reporting company must send notices of any correction to anyone who received your report in the past six months. A corrected copy of your report can be sent to anyone who received a copy during the past two years for employment purposes. If an investigation doesn't resolve your dispute with the consumer reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the consumer reporting company to provide your statement to anyone who received a copy of your report in the recent past. Expect to pay a fee for this service.
2. Tell the creditor or other information provider, in writing, that you dispute an item. Be sure to include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if you are correct — that is, if the information is found to be inaccurate — the information provider may not report it again.
(above excerpt is from a self-help guide by the Federal Trade Commission)
Something to Think About...
The block of granite which is an obstacle in the pathway of the weak, becomes a stepping-stone in the pathway of the strong.
- Thomas Carlyle
The Federal Trade Commission (FTC) states that "You can improve your credit report legitimately... Some people hire a company to investigate on their behalf, but anything a credit repair clinic can do legally, you can do for yourself at little or no cost."
Evidentally, the FTC agrees that hiring a legitmate, professional credit repair company is a RIGHT and a VIABLE ALTERNATIVE if you do not want to do the required "legwork" to fix your credit reports.
Furthermore, in an FTC staff member opinion letter, it states, "The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete." They're referring to the Fair Credit Reporting Act (FCRA). The letter also states, "There is no requirement that reporting agencies report information for the full seven years--they can delete adverse information whenever they choose before the seven year period."
(FTC Official Staff Commentary §605 item 4.)
To add more to the legitimacy of credit repair, credit repair services are regulated by the Credit Repair Organizations Act -- a federal law that PERMITS professional credit repair services.
So don't be misled or buy into the propoganda that credit repair is illegal. Most of those FEAR & SMEAR-TACTICS are generated by the FOR-PROFIT credit bureaus so you won't cut into their multi-billion dollar revenues!
Credit repair services, under certain circumstances, are very legal and powerful; and it may be your right according to the United States Congress. You're given an opportunity. What are you going to do?
Did you knowthat all your credit card payments – and non-payments – are compiled into a single document known as your credit report? Did you also know that the information in this report can be given a numerical value called a credit score? Your Experian, Equifax & Trans Union files and scores are the two primary methods that creditors and lenders make quick financial decisions about you.
When you apply for a loan, either your reports or scores (or both) are instantly checked to see if you have a history of late payments. Mortgage lenders check your file for previous loan defaults. Even anemployer,the utility company, or an insurer check your history and scores before approving your services.
U.S. Public Interest Research Group (USPIRG) & other Data
79% of the complaints against credit bureaus alleged the denial of credit due to errors on credit reports;
54% of the credit reports contained personal demographic information that was misspelled, long-outdated, belonged to a stranger, or was otherwise incorrect;
22% of the credit reports listed the same mortgage or loan twice;
Almost 8% of the credit reports were missing major credit, loan, mortgage, or other consumer accounts that demonstrate the creditworthiness of the consumer;
30% of the credit reports contained credit accounts that had been closed by the consumer but remained listed as open;
63% of consumers had contacted the credit bureaus 5 times or more before contacting the government;
The average duration of a complaint against a credit bureau, until contact with the government was 22.5 weeks. This, of course, did not mean that the complaints were resolved after nearly six months -- it simply meant that CONSUMERS NEEDED MORE HELP;
95% of those consumers alleging that someone else's adverse public record (bankruptcy, foreclosure, tax lien, judgment, landlord-tenant, etc.) appeared on their credit report were denied credit;
For those consumers denied credit due to a false public record entry or bankruptcy, the duration of their complaints averaged 37 weeks;
70% of all consumers denied credit alleged that someone else's adverse trade line accounts (timeliness or monthly credit payments) appeared on their accounts;
12% of consumers denied credit alleged that the credit bureaus would not reinvestigate their complaint or would not allow them to include a statutory statement of dispute.
The U.S. PIRG states that consumer should order their credit report every year from the three national credit bureaus (Equifax, Experian and Trans Union) to identify and correct inaccurate information before it causes problems.
If you have reason to believe that YOUR consumer report information is unfair, incomplete, inaccurate, unverifiable or obsolete, or your credit score is being suppressed, and you would like LEGAL PROCEDURES to audit your credit history for completeness and accuracy, please let us know. We're on your side! We work for you with NO ADVANCE FEE, NO SET UP FEE, NO MONEY UPFRONT!
Credit Tip:
DO NOT buy imitation credit scores from the credit bureaus! Buy only FICO scores -- the actual one most creditors / lenders use.
Q: Can I do my own credit repair?
A: Yes. You can also file your own bankruptcy or divorce without a lawyer, pull your own teeth (though not recommended), or overhaul your car's transmission without the aid of a mechanic. But while the law does provide for deletion of poor credit information, in reality, credit bureau agencies make such deletions difficult and often use defensive blocking tactics to intimidate and discourage consumers from fixing or restoring their credit! What it comes down to is -- do you want to use someone who is resourceful and experienced, or do you want to do it alone? Sometimes we need professional support; therefore, it may be wise to pay an experienced professional for guidance.
15 Reasons You Delay Fixing Your Credit
You know the effects of having negative, adverse credit. It keeps you from getting approved for real estate mortgages and other financing. You have to jump through hoops to rent an apartment. You have to pay hefty security deposits. You have trouble getting a job. Yet, after all these things, you still haven’t started restoring it. Why? Well, here are 15 reasons you’ve been avoiding credit restoration.
1. You're waiting for the credit repair fairy
It sounds a little ridiculous, but there are many people who think something is going to miraculously happen to change or erase their bad credit. There is no secret to fixing your credit. You can either wait seven years (sometimes ten) for the bad things to fall off or you can actively work to change your situation and enjoy the benefits sooner rather than later.
2. You don't know where to begin
Not knowing where to start is an excuse, not a reason. CREDITedit is here to act on your behalf, and do the work for you.
3. You're scared to look at your credit reports
Someone with a bad rating fears looking at their reports like a kid fears peeking under the bed at night. The sooner you look at your reports, the sooner you'll realize you don't have much to be afraid of after all.
4. You think credit restoration is too hard
Lots of things in life are hard to do, yet we push through and do them anyway. Why? Because we realize the reward is worth the hard work. Restoring your good name may not be hard at all, but you won't know until you try. Also, that is why CREDITedit is here -- our credit repair agency offers solutions!
5. You think your situation is hopeless
This is never true. There is always something that can be done to improve it. Even if you have all 6 worst entries on your reports, you can still rebuild. Just don't let the other 14 reasons keep you from cleaning it up.
6. You hide behind your spouse's rating
It's not smart to ignore your own negative credit because your better half's looks better. What will you do in the unfortunate event of a disability, divorce, or death? Married or not, there may come a day when you need your own history. When that day comes, you don't want to be stuck with poor ratings and low scores.
7. You think you don't have enough money
If you owe a lot of money, paying off debts can be expensive. Fortunately, you don't have to pay all the money upfront (if at all). Negotiating payment plans with the people you owe can get you caught up and help you improve your rating over time (which is what helps increase scores). Besides, we've made our fee affordable!
8. You're scared of making it worse
You might believe that once you start repairing it, those you owe will come after you harder. So, you do nothing, believing you're staying under the radar, undetected by creditors and debt collectors. Once you work out an agreement with them (and keep up your end of the deal), you don't have to worry about being harassed.
9. You don't mind having bad credit
If you figure out how to get by without having good ratings, you can easily get complacent with a low score. In today's society and economy, you'll either continue to "just get by" or you'll have to work hard to save cash for everything you buy including a house, car or that BIG screen TV. Knowing how to increase & boost your scores fast are key!
10. You don't want to admit you have bad credit
Denying you have negative items won't change the truth. It's horrible whether you admit or not. But, it's in your best interest to own up to the situation and start taking steps to erase faulty credit information! Don't wait! You can instantly boost your credit score fast!
11. You don't realize you have bad credit
Ignorance is bliss. That is, until you try to apply for financing or a job. If you're not sure where you stand, don't assume it's good. Even if you're paying your bills on time, identity theft could ruin your creditworthiness and wreak havoc with your bureau file.
12. You're not willing to sacrifice
You won't be handed a good FICO or NextGen credit score. You have to work for it and you might have to give up some things to get it. Letting go of your loose spending habits will be uncomfortable at first, but after just a few weeks, you won't miss the frivolous things you're used to spending money on.
13. You're planning to file bankruptcy
Filing bankruptcy doesn't replace credit restoration services. In fact, after you file bankruptcy, you will still have to work on your bad credit to get approved for loans, real estate mortgages, employment or an apartment.
14. You don't have time
People make time for things they want to do. They make excuses for things they don't want to do. If you really want to boost your low scores, you'll make time to do it. If you don't, that's why CREDITedit is here for you!
15. You don't want to do the work
There's a saying, "Anything worth having is worth working for" and that includes good credit. Credit auditing & editing isn't that hard. It takes time, diligence, and persistence, all of which pay off in the end. Again, if you don't want to do the work of fixing it yourself, we are prepared and able to professionally manage it!
We have been known to fix other credit repair companies' mistakes!
So, if your score is low or your credit report is inaccurate, what are your options? It's like hanging wallpaper -- do you call a professional paperhanger, or tackle it yourself?
The Fair Credit Reporting Act says consumers can dispute mistakes in their credit files for free. But it will take time. Correcting one error may average four hours, says Rhode. That includes applying for your credit reports, reviewing and highlighting errors, documenting the mistake, typing up your letter and mailing it.
Credit repair services offer, for a fee, to do this daunting legwork. They pull credit reports, review for errors and send out dispute letters along with documentation. They add professionalism. They save you time.
Important: The articles, illustrations, testimonials, and/or examples given in this website are in no way indicative of the actual changes you may experience by using CREDITedit, LLC. In keeping with the Fair Credit Reporting Act, CREDITedit will only prepare the dispute/challenge letters to contest certain incomplete, inaccurate, unverifiable, outdated, and/or erroneous items in your credit profile. No specific outcome is expressed, implied or promised, and your actual results may vary. Factors contributing to these variations can include new inquiries, opening new tradelines, the addition of new derogatory accounts, and fluctuating balances on existing revolving accounts. CREDITedit, LLC, as an affiliate, may receive a small commission on products/services it markets, and makes no guarantees/warranties regarding those products/services.
We take your privacy seriously. We do not spam nor will we sell, rent, or distribute your information to any third party unless you explicitly request us to do so. We do not encourage you to dispute known accurate credit items or engage in unethical behavior. The client experiences and information that may appear on this website are not intended to be legal advice; and past performance does not guarantee future results. Every person's case is unique, and individual results will vary; and CREDITedit, LLC does not guarantee any particular results within any given period of time. The services of CREDITedit, LLC and/or its affiliates may not be available in all states. CREDITedit, LLC is not a "debt adjuster", "debt consolidation service" and not a "non-profit consumer credit counseling agency".
CREDITedit, LLC VOLUNTARILY PROVIDES YOU WITH THIS DISCLOSURE
IT IS OUR INTENT TO PROVIDE CONSUMERS WITH THE RESOURCES IN ORDER TO HAVE THE CONSUMER REPORTING AGENCIES REPORT THE MOST FAIR, COMPLETE, ACCURATE AND VERIFIABLE CREDIT PROFILE OF A CONSUMER; THEREFORE, CREDITedit, LLC DOES NOT, NOR SHOULD ANYONE, CLAIM OR GUARANTEE TO IMPROVE ANY CREDIT REPORT BY PERMANENTLY REMOVING NEGATIVE INFORMATION, EVEN WHEN IT'S ACCURATE, CURRENT AND VERIFIABLE; CREDITedit, LLC DOES NOT, NOR SHOULD ANYONE, SUGGEST THAT YOU APPLY FOR AN EMPLOYER IDENTIFICATION NUMBER TO USE INSTEAD OF YOUR SOCIAL SECURITY NUMBER SO YOU CAN INVENT A "NEW" CREDIT IDENTITY -- AND THEN, A NEW CREDIT REPORT; THE BENEFITS OF USING CREDITedit, LLC SERVICES ARE AS FOLLOWS: DISCUSS HOW TO UTILIZE CERTAIN CONSUMER PROTECTION LAWS REGARDING YOUR CREDIT PROFILE, REDUCE JUNK MAIL VIA "OPT-OUT", "DO NOT CALL" REGISTRY, DOCUMENT PREPARATION IN ORDER TO DISPUTE/CHALLENGE CERTAIN CREDIT REPORT INFORMATION, AND/OR TO VERIFY OR VALIDATE ACCOUNTS WITH CREDITORS OR COLLECTION AGENCIES; CREDITedit, LLC DOES NOT, NOR SHOULD ANYONE, CLAIM OR GUARANTEE TO IMPROVE ANY CREDIT REPORT OR CREDIT SCORE, OR ANY ABILITY TO OBTAIN CREDIT; THE TOTAL COST OF CREDITedit, LLC SERVICES WILL BE $199 FOR AN INDIVIDUAL OR $299 FOR INDIVIDUAL WITH SPOUSE; YOU, THE CONSUMER, MAY CANCEL ANY AGREEMENT WITH CREDITedit, LLC AT ANY TIME PRIOR TO TWELVE (12) MIDNIGHT ON THE THIRD (3RD) DAY AFTER THE DATE OF THE TRANSACTION. DURING THIS 3-DAY "COOLING OFF" PERIOD, ANY MONEY YOU MAY HAVE PAID CREDITedit, LLC WILL BE RETURNED TO YOU. AFTER THIS NOTICE OF CANCELLATION PERIOD HAS LAPSED, ALL SALES ARE FINAL AND CREDITedit, LLC OFFERS NO REFUNDS.
THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV.
You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law.
CREDITedit, LLC is a rapid credit bureau report dispute letter preparation and consulting company for faster, immediate, emergency credit score repair service that may help to fix, repair, restore, delete or remove bad, negative, poor credit. With a good, higher, boosted or increased FICO credit score rating, you may qualify to buy a house, car or get a job.
