Credit repair is a service provided under the CROA act that allows credit repair service providers to assist consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated or unverifiable. Any credit repair agency that claims to be able to remove ANY and EVERY item other than those identified above is in violation of the Credit Repair Organizations Act (CROA).

Credit is when you receive money, a good or a service, and you agree to pay for it in the future—usually with added interest. Nowadays, we use credit to buy lots of things, from houses and cars to groceries and clothing.

If you use it responsibly, credit can be a useful tool. But if you don’t, you’ll have to face some negative consequences that will make your life harder.

We recommend a soft pull credit inquire from a third party of your choice (we assist with this step as needed) or a free annual credit report thru a government approved site like annualcreditreport.com. A soft inquiry will not affect your score since you are not asking for any type of credit line or loan and it’s only for personal purpose.

Your credit can be brought down a lot faster than it can be brought up, so it might help to review these things that can hurt your credit:

• Not paying bills on time
• Filing for bankruptcy or foreclosure
• Applying for too many credit accounts
• Carrying high balances on your credit cards
• Ignoring questionable negative items on your report

We review your credit report and see what’s holding your credit scores back and get right to work disputing any inaccurate, untimely, misleading, biased, incomplete or unverifiable items on your credit report. Addressing them accordingly and utilizing different laws like FCRA (Fair Credit Reporting Act) and other laws applicable to increase your credit scores. At the same time providing a tailored plan to avoid future credit problems and credit education along the way to make sure you have a healthy and accurate credit life.

Unfortunately, the credit reporting system doesn’t work that way. When you pay your debt, the negative credit listing doesn’t disappear. There is little difference between a paid negative item on your credit report, or an unpaid one.

The credit bureaus have to provide you with a free credit report every 12 months–it’s the law. Outside of this official source, there are many other services that will provide you with your credit score for FREE.