Not only can bad credit be removed legally from your credit report, you can actually improve your credit score. Many times, credit bureaus receive erroneous or incomplete information from creditors. There might also be some inadvertent mistakes made while creating your credit report. The Fair Credit Reporting Act (FCRA) makes it necessary for credit bureaus to remove any inaccurate or incomplete information from the report as soon as possible. CreditXS works to identify any errors or incomplete information that might be affecting your credit scores and works to remove all this information from your report in a completely legal manner.
A bad credit score can put your life on hold. Potential lenders, employers and landlords, all check credit reports to assess whether an individual is a high or low risk choice. A poor credit score puts you in the high risk category, not only leading to insurance and loan issuers to charge you huge interest rates but also making employers and landlords rejecting you as a candidate or potential tenant. You can either wait for three to five years, ensure that you make all payments on time and not take loans to help your credit score slowly rise again, or you could enlist our services and let us give you a new lease on life within a year.
Yes, you can repair you own credit, just like you can file our own taxes or even represent yourself in court. However, just as in the case of court cases and taxes, the advice of a professional is preferred, credit repair should also be sought through experienced professionals who have all the required knowledge and strategies that will help you raise your credit score in the shortest possible time frame. Credit bureaus often make the process difficult. Rather than taking on added stress, all you need to do is to have skilled professionals take care of all the dirty work for you for a very affordable fee, while you focus on your everyday responsibilities. We have experience of all the delaying tactics and red tape that the credit bureaus will throw your way. We also know all the legalities involved. We will ensure that all your rights as a consumer are upheld by the credit bureaus.
All you need to do is to Sign Up for our services or call us on 800 800 2018. Our representative will get back to you with all the paperwork we need done within 24 hours of receiving your call or Sign Up request. We will need copies of personal information to begin the process. You will need to send us these documents via US Mail or visit a branch office closest to you and deliver it in person. This is the social security verification that credit bureaus require.
We will need any one of the following:
- Photocopy of your Social Security Card
- Photocopy of your pay stub displaying your full social security number
- Photocopy of your W-2
- Photocopy of your Health Insurance
We will also need:
- Card that contains your complete social security number
- Current picture identification – for this you can send us any one of the following: Photocopy of your driver’s license, Photocopy of your State ID or Photocopy of your Passport
All personal information that you submit to CreditXS will be safeguarded according to federal and state laws. We are morally, ethically and legal bound to protect the privacy of personal information. We do not disclose or resell such information to any third party.
Credit bureaus are legally bound to respond to any dispute within 30 days. This means that within the first two months of you signing up for our services, you should begin to see improvement in your credit report. The amount of change will vary from person to person. The number of negative items of the credit report will also determine how long it will take for the entire process to be completed.
Unfortunately, any new credit that you apply for will interfere with the credit restoration process. Therefore, our guarantee will stand void if you apply for new credit.
Yes. Items of public record, including bankruptcies, can be removed. Other such items that we have experience of removing include tax liens (both federal and state) and civil judgments.