You Value Your Credit Rating and So Do We.

We know the importance of a Good Credit Rating; and what it is worth to you

50 to 70 percent of all credit reports contain errors and old information. This derogatory information means lower FICO Scores and makes you pay higher interest rates costing you EXTRA money.

Credit Repair is also known as credit restoration, credit counseling, credit accuracy verification, credit enhancing, credit fixing, and debt settlement. What’s involved is writing letters to the credit bureaus directing them to remove the derogatory information. It is the process of auditing credit reports and taking appropriate action to improve one's credit rating.

FICO is an acronym for Fair Isaac Credit Organization, the company that developed the system. Your three FICO credit scores are a snapshot of the risk you represent to a creditor. Lenders rely heavily on FICO credit scores to make lending decisions. Each negative listing on your credit report lowers your score.

The Fair Credit Reporting Act (FCRA) of 1970 guarantees you the right to dispute negative information on your credit reports. It was enacted to protect consumers from the abuses of credit bureaus and creditors.