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If you received in the last 6 months any mail from Experian it should be on the cover page.
Request your Experian report number online.
Call 800-204-1410 and go through automated system to order a copy of the report via mail.
NOTE: You can check your report for FREE any time HERE.
We do understand that your credit situation is extremely important. With that in mind, we encourage you to contact us as often as you need. We will update you every time we receive confirmation from credit bureau that the derogatory information was removed from your file. We go beyond normal expectations to keep you informed. Your satisfaction is our best advertisement.
Each member of the credit team also has extensive training and experience, including a minimum of an associate’s degree. Each specialist has at least 3 years of credit repair experience. If there is ever a situation that requires escalation, a lead expert with a minimum of 5 years of credit repair experience will consult on your file and decide the most appropriate course of action.
You receive online monitoring alerts that inform you of important changes to your credit file, including:
- Derogatory information
- Credit Inquiries
- Newly opened accounts
- Several indicators of possible credit fraud
In many situations your credit report will actually become your identity. People will know you not by who you are, but by what is reported about you from the credit bureaus. Obviously, those reports can be extremely damaging especially if they contain incorrect, misleading or obsolete listings. Property managers, lenders, insurance companies, prospective employers, anyone who wants to know who you are can get access to your credit file.
Generally credit grantors are not allowed by the credit bureaus to show you your own credit report. But you can purchase your credit report from the credit bureau for a fee. However, you may find it hard to read because the information is listed in an unfamiliar code. We will obtain the credit report for you and explain you what each record means.
Credit reports contain a listing of some or all of your credit accounts that have been active at some time within the last 7 years. They also contain any public records (Chapter 7 bankruptcies are reported for 10 years), current and previous addresses, current and previous names, a listing of potential creditors who have received your credit file and other miscellaneous information the credit bureau has about you. Each account listing generally has your account number, the credit limit, your current balance and your previous payment history. This payment history contains notes of late payments, any collection or transfer history, whether the account was included in bankruptcy and the current payment status of the account.
A credit score is a number that reflects your risk level, as an individual consumer, as determined by the credit bureaus. The higher the number, the lower the risk will be to the lender.
As you apply for credit, the lender will check your ability to pay back that loan. The more negative marks you have on your credit report, the less likely you will be granted the loan or credit purchase you requested. Only the credit bureaus know the exact formulas they use to determine these scores, which generally range from 350 (lowest) to 850 (highest), and the calculation method varies from bureau to bureau.
Our company can help you with your credit by removing negative items off of your credit reports as well as inquiries.
Our company can remove:
- tax liens
- late payments
Yes, you can. You can also represent yourself in a court, fix your own car, build your own computer and do your own yard work. We are a service company. Just as you are probably better at what you do than we would be, we are probably better at credit repair than you would be. We offer experienced, professional help at very affordable rates for your convenience and benefit.
On the practical level you can have an A-rated credit report within 2 years of even bankruptcy. Why? Because lenders are much more interested in your present circumstances than what happened to you 3 to 10 years ago. Rebuilding your credit can be done rather quickly through a systematic plan, and a little perseverance. Also keep in mind that positive credit information stays on your credit report forever. The credit reference agencies only hold information for six years, whether positive or negative.
Credit bureaus have huge databases on the credit histories of consumers. This information is gathered and given to the credit bureaus from creditors that have extended you credit in the past. Your credit history contains information that creditors use to evaluate and determine your ability and willingness to repay credit. Typically, credit bureaus give the following information: Your open accounts, credit limits, current balances, number of late payments, collection actions, tax liens, and whether you own your own home or not.
Every time you receive updated credit reports throughout your service you will see items that have been changed, updated, or removed. If an item is changed or updated, it generally means that there was negative information associated with that account (such as a late history) that has now been removed. If an account was removed all together from your credit report, it means that the item was a negative listing against you. Usually these items are collections, charge offs, foreclosures, etc. Every report you receive as a results of our efforts means your credit is improving and your score is increasing!
We have two payment options:
The price for our credit repair program is determined on the individual basis. Our counselors have great experience in dealing with credit reporting bureaus. Once they review your credit report they can give you a program price estimate. We an also break down your payment into several installments. Regardless of which payment option you choose, everything is covered, including the initial copies of your credit reports needed to begin your service. We acquire them for you, so you don’t have to, and we’re the only company who does this for you.
Yes, a creditor must provide documentation showing you applied for credit with their company, if they do not provide proper verification then the item is removed.
Late payments on student loans can be removed.
There are 3 major credit bureaus: Equifax, Transunion, and Experian.
There is no definite answer. We typically suggest that you will receive your reports within 60 days of signing up. If you do not, you can always contact a representative or email us for an update of your service.
No. The credit bureaus are regulated by the Fair Credit Reporting Act which is a federal law. We have clients nationwide. Your rights are the same whether you are in Alaska or Alabama.
Everyone wants you to see results right away. Most people will see progress within the first 45 days after they are enrolled into program. Obviously, everyone’s credit situation is different. Most of our time is spent waiting for the credit bureaus to respond to our requests and we pride ourselves on getting those disputes to the bureaus as fast as possible. An average person has 7-10 inaccurate, misleading or obsolete items on each credit report. It take on average abut 6 months to complete the program.
If you need a loan, do your rate shopping within a focused period of time, such as 30 days. FICO scores distinguish between a search for a single loan and a search for many new credit lines, in part by the length of time over which inquiries occur.
Generally, people with high FICO scores consistently:
· Pay bills on time.
· Keep balances low on credit cards and other revolving credit products.
· Apply for and open new credit accounts only as needed.
Also, here are some good credit management practices that can help to raise your FICO score over time.
· Re-establish your credit history if you have had problems. Opening new accounts responsibly and paying them on time will raise your FICO score over the long term.
· Check your own credit reports regularly, and before applying for new credit, to be sure they are accurate and up-to-date. As long as you order your credit reports through an organization authorized to provide credit reports to consumers, such as my FICO, your own inquiries will not affect your FICO score.
Looking for a mortgage or an auto loan may cause multiple lenders to request your credit report, even though you’re only looking for one loan. To compensate for this, the score ignores all mortgage and auto inquiries made in the 30 days prior to scoring. So if you find a loan within 30 days, the inquiries won’t affect your score while you’re rate shopping. In addition, the score looks on your credit report for auto or mortgage inquiries older than 30 days. If it finds some, it counts all those inquiries that fall in a typical shopping period as just one inquiry when determining your score. For FICO scores calculated from older versions of the scoring formula, this shopping period is any 14 day span. For FICO scores calculated from the newest versions of the scoring formula, this shopping period is any 45 day span. Each lender chooses which version of the FICO scoring formula it wants the credit reporting agency to use to calculate your FICO score.
If it does, it probably won’t drop much. If you apply for several credit cards within a short period of time, multiple inquiries will appear on your report. Looking for new credit can equate with higher risk, but most credit scores are not affected by multiple inquiries from auto or mortgage lenders within a short period of time. Typically, these are treated as a single inquiry and will have little impact on the credit score.
When you apply for credit, you authorize the lender to ask for a copy of your credit report. This is how voluntary inquiries appear on your credit report.
The inquiries section of your credit report contains a list of everyone who accessed your credit report within the last two years. The report you see lists both voluntary inquiries, spurred by your own requests for credit, and involuntary inquiries, such as when lenders order your credit report to offer you a pre-approved credit card.
A FICO score takes into account only voluntary inquiries that result from your application for credit. The information about inquiries that can be factored into your FICO score includes:
- Number of recently opened accounts, and proportion of accounts that are recently opened, by type of account.
- Number of recent credit inquiries.
- Time since recent account opening(s), by type of account.
- Time since credit inquiry(ies).
For many people, one additional credit inquiry (voluntary and initiated by an application for credit) may not affect their FICO score at all. For others, one additional inquiry would take less than 5 points off their FICO score.
Inquiries can have a greater impact, however, if you have few accounts or a short credit history. Large numbers of inquiries also mean greater risk: People with six inquiries or more on their credit reports are eight times more likely to declare bankruptcy than people with no inquiries on their reports.
There are five types of information used to calculate a FICO score at any given point in time. Each type of information counts as a percentage of a total FICO score:
Payment history = 35%
Amounts owed = 30%
Length of credit history = 15%
New credit = 10%
Types of credit in use = 10%
These percentages are based on the importance of the five categories for the general population. For particular groups, such as people with relatively short credit histories, the importance of the categories may differ.
Inquiries are a subset of the “new credit” category shown above, which accounts for 10% of the total FICO score. Their importance depends on the overall information in your credit report. For some people, a given factor may be more important than for someone else with a different credit history. In addition, as the information in your credit report changes, so does the importance of any factor in determining your score. What’s important is the mix of information, which varies from person to person, and for any one person over time.
Your own credit report requests, credit checks made by businesses to offer you goods or services, or inquiries made by businesses with whom you already have a credit account do not count toward your FICO score. Credit checks by prospective employers also do not count. These types of inquiries may appear on your credit report, but they are not included in your FICO score.
There is only one type of credit inquiry that counts toward your FICO score. When you apply for a mortgage, auto loan or other credit, you authorize the lender to request a copy of your credit report. These types of inquiries, prompted by your own actions, appear on your credit report and are included in your FICO score.
A credit inquiry is an item on a credit report that shows a business with a “permissible purpose” (as defined under the federal Fair Credit Reporting Act) has previously requested a copy of the report.
Not all credit inquiries count toward your FICO® score.
When you check your credit report, you may notice that a number of credit inquiries have been made, sometimes from businesses that you don’t know. But the only inquiries that count toward your FICO score are the ones that result from your applications for new credit.
Franchise opportunities are available as well, the cost is $20,000. (one time payment) We offer easy to start inquiry removal segment of our business for sale.
Note: You can earn it back in as little as 1 month.
(Our informational package will be sent to you via e-mail with everything that you need to start your new business) of removing credit inquiries
Yes, YOU CAN become our representative and earn up to 20%. Please call us for details.
How to remove Fraud alert, File blocks, Extented Fraud Alerts, Security Freeze, Personal Statements?
Transunion Click HERE. the best way to remove alert is to sign up with them and do it online. Also you can call them and ask to remove Alert and Personal Statements 800-680-7289
Experian click HERE and click on “Removing a Fraud Alert” then follow instruction and mail them the letter. Also you can call them and ask to remove Alert and Personal Statements 800-493-1058
Attn: Equifax Consumer Fraud Division
PO Box 740256
Atlanta, GA 30374
TO WHOM IT MAY CONCERN
Re:Fraud Alert, File BLOCKS, Extended Fraud Alerts,
I would like to request that the “FRAUD ALERT ” & “EXTENDED FRAUD ALERTS to be removed from my credit profile file. If there are any “FILE BLOCKS” or “SECURITY FREEZES ” on my credit file, I would like them to be removed immediately as well. I would also like for any “PERSONAL STATEMENTS which are attached to my credit file report to be removed.
I have attached a copy of my driver license and a copy of my Utility bill with my current address and a copy of my social security card.
If you have any further questions please feel free to contact me at the address below.
Acceptable Forms of Identification
What documentation should I send in to validate my ID or address?
If you are writing to request assistance on your Equifax, Experian or Transunion or credit file (i.e., dispute, fraud alert, security freeze, disclosure), please also include a copy of a document from each of the two categories below:
One item to validate ID such as:
- Valid Driver’s License
- Social Security Card
- Pay stub
- W2 form
- 1099 form
- Court documents for legal name change
- Birth Certificate
- Marriage Certificate
- Divorce Decree
- State ID
- Military ID
AND one item to validate address such as:
- Valid Driver’s License
- Utility bill with the correct address (Gas, Water, Cable, Residential phone bill)
- Cell phone bill
- Pay stub
- W2 form
- 1099 form
- Rental Lease Agreement/House Deed
- Mortgage statement
- Bank statement
- State ID
Experian removes items faster if we refer to report #
We have variety of services please call us for more details. We do not work with CPN, EIN or any other N’s
Authorized User Trade lines (posts in 5-45 days ) prices may vary from $550 to $1900
Authorized User Packages prices may vary from $1,100 to $3,500
Experian – VIP Inquiry Removal (24-48 hrs) Service – $75-100 per inquiry (MIN CHARGE $300 PER CREDIT BUREAU)
Equifax – VIP Inquiry Removal (5-10 days) Service – $75-100 per inquiry (MIN CHARGE $300 PER CREDIT BUREAU)
Transunion – Inquiry Removal (15-60 days) DIY Service – we provide you with a free information on how to do it.
All 3 credit bureaus VIP credit sweep – 90-100% of Negative Item Removal (15-45 days) – $4,500 – $6,500
All 3 credit bureaus Negative Item Removal (90-180 days) – price may vary depending on number of negative items, please call in for price. $1,300 – $ 2,700
1. Sign up with www.creditchecktotal.com HERE for $1 and get access to all three credit bureaus.
2. Count your inquiries/negative items on Experian, Transunion and Equifax
3. Fill out the form at HERE or call us to order. Phone # 424-234-FICO (3426). We have security certificate (SSL) installed on our website so your information will be safe, please provide all information that we ask in the form to prevent a delay.
4. As soon as the payment goes through we will process your request. We accept Visa and Master card.
5. You will be able to see your inquiries/negative items removed online when you update your credit report.