WHAT IS INCLUDED IN THE CREDIT AUDIT ?
In our Credit Audit, we use our years of credit repair experience to uncover any information in your credit report that may not comply with the Fair Credit Reporting Act (FCRA). This includes examining each account in detail as well as considering your entire credit history as a whole. Our Credit Audit also includes investigating your credit health and ways you can restore and improve your credit now and over time.
We dig into the details of your credit report, looking for any questionable items that may be negatively affecting your credit scores. These might be obvious items, like delinquent accounts and collections, or seemingly insignificant details, like incorrect dates of last activity. There are dozens of details and items of information that must be 100% correct and verifiable according to the FCRA. We check each of these to ensure you get the credit you’re entitled to by law.
Personal Information:
Your personal details do not have a direct effect on your credit scores. However, having a large number of former addresses or aka’s can still impact your creditworthiness and reputation.
Accounts Reporting:
We check every detail of each negative account for omissions or possible errors and inaccuracies. Any questionable detail required by Federal law provides cause for dispute.
Public Records:
While some public records may not be included in bureau credit reports, lenders can still check for them. We check the same records lenders do and dispute any questionable public records.
Inquiries:
“Hard” inquiries remain on your credit report for up to two years and can have a cumulative effect on your credit scores. We look for inquiries that may be unauthorized or inaccurate.
Debt Ratio:
Our Credit Audit also examines ways you can improve your credit now. One of these is your credit-to-debt ratio. We can help you get new credit and pay down your most harmful debts.
Plan of Action:
We work closely with you to plan actionable steps you can take right now, depending on your unique circumstances. With Healthy Credit Habits, we customize your credit repair experience.
Why You Should Access Your Credit Report?
A credit report is only helpful for most people when they want to access credit, but that is not the case. It is crucial to appreciate the tremendous impact of a credit report on different aspects of your life, such as hiring and employment. For this reason, you should go beyond what credit reporting agencies offer. It would be best if you kept up-to-date on your credit report to identify any problems quickly.
A credit report documents your history managing debt. Lenders, landlords and others may consult your report, alongside the credit score based on it, when deciding how much to charge you in interest or security deposits—or whether to do business with you at all.
A credit report is important because it can affect your finances and ability to achieve long-term dreams such as owning a home, buying a car or even getting your dream job. When it's filled with positive information, a credit report helps you put your best face forward as a responsible borrower who knows how to manage their finances.
In the U.S., there are three major credit bureaus—Experian, TransUnion and Equifax—that maintain credit reports for consumers based primarily on information reported by creditors. By carefully managing your debt, paying bills on time and avoiding high credit balances, you can help make sure your credit report is pristine.
Because credit reports and credit scores can affect your life in many ways, it's a good idea to keep aware of them. Checking your credit report and credit scores regularly, and monitoring them for any changes can help you know how lenders will view your applications, and prevent unpleasant surprises.
True Credit Repair was the best thing that has happened to my credit report. I had the opportunity to work with this firm and it was a blessing in disguise. My scores improved dramatically.
This company does a phenomenal job with financial advice and credit repair! I was able to start establishing my business credit. We just received our first business credit card and approval for our line of credit. You guys really know your stuff! Thank You
Awesome staff and great results!!! True Credit Repair delivered as promised. Highly recommend
Una empresa increíble con resultados increíbles! Muy profesional y obtiene resultados en el momento oportuno! Definitivamente lo recomendaría!!!
True Credit Repair is by far the best! I recommend it to anyone that need to get their credit fixed.
Have any Questions? Don’t Hesitate Call Us Today!
Contact us today to access, review your credit report, and find out how to improve your credit card limit and credit score.
(888) 407-7747
CREDIT AUDIT
Most people like you don’t know what to do to fix their credit. But we know that you have goals, and our commitment is to help you achieve them. To Understand Your Credit... Get a detailed breakdown of all items on your credit report.
Working with the professionals at True Credit Repair will allow you to have a greater amount of success throughout the process, we know how to fight the creditors and what dispute letters to fight them with. An experienced True Credit Repair credit repair specialist will be able to help you get the best results. It is important to remember that even the best credit repair options take time but, we will as hard and as fast as possible for the best results.
DON’T TRY TO DO IT YOURSELF!
True Credit Repair will provide you a FREE Consultation, which can give you a clear idea of what is causing the issues on your report and what needs to be done to correct them. You can be sure that the job will be done correctly!
What Are You Waiting For?
Let's Get Started With Improving Your Credit Score. Schedule a Consultation Today!
Disclaimer: When negative information in your credit report is accurate only the passage of time can assure it is removed. According to the Federal Trade Commission a credit reporting company can report most accurate negative information for seven years and bankruptcy information for ten years.