CreditRecondition.com

Credit report repair can fix negative, inaccurate information and problems on your credit reports, which in turn improves your credit score and credit history. A late payment, charge-off, bankruptcy, tax lien, collections, and any other negative listings can devastate your credit reports and hurt your credit score by hundreds of points.

Credit repair works to remove negative information that is verified by the credit bureaus as incorrect, inaccurate, misleading, unverifiable, or beyond statutes of limitations via the dispute letter process.

Of course, while it is legal to use a credit repair company, scams will always exist in all businesses. It pays to do your homework before you enroll with a credit repair company. Questions such as clients served, time in business, BBB standing, and checking their policies against the FTC guidelines and relevant governing law like the FCRA and CROA, should be answered easily and immediately by a quality, legitimate credit repair business.

For example, CreditRecondition has been repairing credit reports since 1998, has a blemish-free record with the BBB, and is actively involved in promoting and legitimizing the credit repair marketplace. Many thousands of clients have been fully satisfied with CreditRecondition's credit repair services, and nearly all have seen improvements to their credit reports. CreditRecondition's credit repair specialists have encountered and successfully engaged most credit problems imaginable - and the majority of new clients come to CreditRecondition based on word of mouth referrals from satisfied clients.

As for the problem of credit repair scams... it's no worse than any other growing industry. CROs got a few black eyes when new legislation was interpreted in the 1990s, but lawsuits and complaints have primarily been isolated to a handful of small start-up credit repair firms - firms that may not have been clear as to the intent of governing credit repair law. CreditRecondition is clear, and has a proactive compliance approach.

The Federal Fair Credit Reporting Act (FCRA) says a credit bureau (CRA) must investigate and verify, upon request, the completeness and accuracy of information on your credit reports. The FCRA therefore provides consumers the legal right to dispute inaccurate, incorrect, or misleading information on their credit reports.

The credit bureaus are given 30-45 days to investigate the credit dispute. If the bureaus determine they've been reporting inaccurate information, or if they are unable to verify the item, they either correct or remove the item in dispute. The bureaus then supply the consumer (you) with updated account information, usually in the form of fresh credit reports.

Helping you navigate these laws and increase your credit score is part of the CreditRecondition credit repair service. Negative report information you feel is inaccurate can be disputed and removed. Removing this information can increase your credit score significantly.

Deciphering credit reports and choosing which information should be disputed can be challenging. CreditRecondition's specialists have analyzed thousands of reports, and they can quickly help you identify areas of potential concern. Whether you're dealing with duplicate information, paid accounts that still show an unpaid balance, or a collection account that keeps "resetting" the date of last activity, we can help. Correcting such problems can increase your credit score dramatically.

Our clients see their first credit repair results in about 45-60 days. Repairing credit requires experience, persistence, and a heavy dose of patience.

Your credit dispute letters must be delivered by mail, and the credit bureaus that receive the disputes are granted up to 30 days to respond — 45 if the reports used were obtained for "free" online.

CreditRecondition aggressively disputes your negative credit problems with carefully-timed rounds of dispute letters, and our credit repair program yields fast, permanent results.