CREDITedit, LLC

Good Credit for a Change
PLEASE SCROLL DOWN OR CLICK HERE TO ACKNOWLEDGE IMPORTANT CONSUMER DISCLOSURES AND CREDITedit's "NO GUARANTEE" WHICH ARE ALSO FOUND AT THE BOTTOM OF EVERY WEB PAGE.
Home      Q: What is credit repair?

TrueCredit.com 3-Bureau Monitoring

 
A:  Our definition of "Credit Repair" - is a legal process of applying consumer credit protection laws to challenge or dispute unfair, incomplete, inaccurate, unverifiable or obsolete credit report information.  "Challenges" are systematic dispute letters sent to the credit bureaus, creditors and/or debt collectors asking for validation or verification of certain accounts.  Credit Repair will NOT modify, delete or improve negative credit information that is fair, complete, accurate & verifiable.
 
In theory, credit bureaus, as well as creditors, are required to follow accuracy procedures before they can legally place information on your credit report.  Any information that is not complete, or not accurate, or not verifiable shall be "DELETED".  During the process creditors and credit bureaus are forced to substantiate their claims of accuracy.  Once an error is identified, if it can't be proven 100% accurate, the item must be removed as GUARANTEED by LAW!  There are other advanced GUERRILLA CREDIT REPAIR tactics, methods & techniques also used in special situations to achieve results.  These are managed on a case-by-case basis.

CREDITedit's process starts by examining your personal credit file held by each of the major credit reporting bureaus TransUnion, Equifax & Experian.  Then, we can identify any accounts that contain information that could be considered negative.  Next, we can challenge/dispute certain accounts (identified by you) that contain inaccurate, erroneous, unverifiable and/or obsolete information on the your behalf, and have the accounts modified accordingly.  Finally, we can consult with you on how to avoid future adverse credit listings while educating you with helpful tips on how to use your credit to your advantage and how to maintain your scores.
 
Once we have your initial credit reports, we will prepare the documentation to challenge/dispute the questionable items with the credit reporting agencies, and/or creditors on your behalf. Any information the agencies or creditors cannot verify is removed. Any dispute not responded to within the allowed response time is removed.

It may sound easy, but if you ask someone who has attempted to fix their own credit, they will tell you it's actually not. According to federal law, the credit agencies can ignore a "frivolous or irrelevant" dispute under a variety of conditions. A large percentage of dispute letters requesting a credit file re-investigation sent directly from consumers are denied under one bureau pretext or another making it a very time-consuming and frustrating task.

After the dispute/challenge & investigation process of your information, a new copy of your credit report will be sent directly to your address showing any deletions, modifications or improvements!  When you receive your new updated reports and/or creditor updates, you'll send us the updated information for review and any further action, if necessary.

Any accurate and verifiable information can remain on the credit report; however, all too often, disputed/challenged credit report information cannot be verified in a timely fashion (as required by law), or in many instances the creditor will not respond to a dispute/challenge and the negative information is deleted -- whether the information is accurate or not!
 
In short, the consumer reporting agencies have to "prove it, or remove it"!  Often, the outcome of this procedure is a better credit report and improved credit scores.  This process takes about 1 - 37 days, depending on how FAST and PROPERLY the paperork is prepared and submitted.  THERE IS NO NEED TO WAIT OR DELAY THE PROCESS MONTHS OR YEARS like those other credit repair services or "law firms" have you do.  An experienced and exceptional credit repair agency should have the process completed within six (6) months or sooner.  As a matter of fact, the State of Texas Finance Code provisions Credit Services Organizations' "services, not to exceed 180 days."  Don't be misled into those long, drawn-out, month-to-month plans from those other companies or "attorneys".  They seem affordable and attractive at first, but they're not efficient or as effective.  In the long run, those monthly fees ADD UP, and you'll realize you've paid too much for little results, if any.  In other words, would you change your car's engine oil one drip at a time?  
 
Some of the laws utilized in fixing bad or erroneous credit are:  the Fair Credit Reporting Act (FCRA), the Fair Credit Billing Act (FCBA), the Fair & Accurate Credit Transactions Act (FACTA) and the Fair Debt Collections Practices Act (FDCPA).
 
Fixing your credit is worth it and it works.  If you don't fix it now, your problem may grow worse!  Others are enjoying the relief and benefits credit restoration can offer.  Don't be the one left behind.  The service is not expensive, and actually an investment in YOU.  Change your way of life, and register for service now.
 
 
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CREDITedit LLC, 1712 E. MAIN STREET, #428, MILLVILLE, NJ 08332
Privacy/Disclaimer:  CREDITedit, LLC does not claim to "clean" or "improve" your credit report, credit record, credit history, credit rating and/or credit score.  Our service is for the express purpose of helping you automate the time-comsuming process of obtaining your credit reports, discuss your credit profile, disputing, validating or verifying items on your credit reports, prepare sample documents in order for you to communicate with consumer reporting agencies, creditors, debt collection agencies, contesting items within your credit reports and/or how to re-establish credit.  There is no secret to fixing, repairing and/or restoring bad credit.  Abiding by law, CREDITedit, LLC does not offer, nor guarantee, to improve or modify the credit standing of any consumer. Credit report information that is accurate and not obsolete may not be removed or deleted.
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.