What is a Credit Bureau and how does it
How many Credit Bureaus are there?
How many Credit Bureaus are important to my
How long can Credit Bureaus report information about
Do Credit Bureaus make mistakes?
Why do Credit Bureaus tell me not to use a Credit Repair
How long would it take me to repair my own
How long would it take for a Credit Repair Company to
repair my credit?
Can I get credit cards while I am repairing my
What can I do if I have no credit at all (good or
How does a Credit Bureau make money?
Why can't I get the Credit Bureaus to remove erroneous
Who can see my credit report?
Why should I use a Credit Repair
What do I need to get started with a service your company
What is a Credit
Bureau and How does it work?
Bureau is a reporting system that has literally a library
information about you. The credit report
records show information
about your debts,
personal identification, public records and any
relevant credit data. There are no requirements for a
to report information about you nor for a
credit bureau to report in-
formation about you
except, back child support payments. All in-
that is reported is voluntary in all respect. Credit
are not Governmental nor Congressional they
are a for profit business.
They make millions
of dollars simply reporting consumer credit
How many Credit
Bureaus are there?
hundreds of credit bureaus that report credit for
states. Most are sub-stations of
the 3 Major Credit Bureaus:
EQUIFAX TRANS UNION EXPERIAN (formally known as
How many Credit
Bureaus are important to
my creditors or
major Credit Bureaus are the most important as these
feed information to the smaller credit bureaus that
located closest to you. When you ask for a copy of your
report it may come back with a name of a
credit bureau you do not
you read the fine print it will tell you who they are
with. When repairing a credit report, all 3 credit
have to be dealt with. Each credit
bureau is a third of your total credit history.
How long can a
Credit Bureau report
bureaus will report information about you for a period
7 years. For bankruptcy 10
years. Some states have
for paid liens and collections.
Do Credit Bureaus make
where you get your statistics from
will have a lot to do with
what percent the
credit bureaus make mistakes,
such as the
Attorney General: New York State estimate is that
1/3 of all reports have errors.
States Congress has estimated errors exist
in 1/2 of all reports.
3. Charles Given
Organization conducted a study in
which 90% of credit reports reviewed contained
4. Consumers Union 48% of all credit reports
credit system where even one minor mistake can cause you to
denied credit the statistic show that the
errors by credit bureaus are
alarmingly high. We
don't believe credit bureaus intentionally report
information, they are just reporting too much information
there is always human error in any business. Our
is that better precautions should be taken to
provide error free credit
Why don't Credit
Bureaus want me to
use a Credit Repair
reason we can find is that they say you can do your own
repair. You can! And have every
right to repair your own credit reports.
The Credit Repair
Course that we offer is
EXCELLENT for teaching you
do it yourself... For many it is the way to go-- for others--? You can also
cases, attempt to do your own taxes,
even fly jet planes. If you are not
experience at it you may not come out
but you can do it.
don't have the time and persistence mixed with
organizational skills to cut through all the red tape
credit repair. We simply have the
ability and the experience to do the
work for you.
Credit repair is not an easy task you must know the
that have been enacted for you as a consumer and
you must do every
thing by the
book. You must be careful not to get yourself in trouble
while trying to get
out of trouble. Many companies that sell do-it-yourself
repair kits and offer you no other choice or assistance are
telling you... you are on your own. Many
Individuals have started out
doing their own
credit repair and ended up using a full service
after many months of work. There are also some
credit repair companies. There are some shady ones out
but no more than any other type
just make sure you choose
a credit repair
company you trust.
A few bad
companies should not restrict you right to assistance.
sure you choose a company wisely.
Make sure they
do not want to change your
identity or offer you
a new social security number. Make sure
comfortable with your choice and above all
sounds too good to be true,
IT USUALLY IS.
How long will it
take me to repair my own credit?
There really are no approximates.
law, when a dispute is made, the credit bureau has 30 days to either
valid or remove it. But the
process can't start until you have to
familiarized yourself with
the Fair Credit Reporting Act (FCRA) and
what your rights are.
Learn how to format
your letters to the credit bureaus and keep every-
organized. Guesstimating it would take anywhere from 6
to a year of dedicated work. It
will be a learn as you go situation when
you start from
scratch. Knowledge is the power with this work.
How long would it
take for a Credit Repair
Company to repair
law, when a dispute is made, the credit bureau has 30 days to either
valid or remove it. So if
everything goes PERFECTLY for you and
everything on your report, it would
still require, at least, 45 days or
credit it not an overnight process.
But is an EFFECTIVE process.
government has given you rights, but
also given the creditors time to protect
A definitive time frame is impossible
credit report carries
circumstances and creditors to challenge. We eliminate
required for the learning curve.
You don't have to learn all the
or how to format letters, You don't have to
organize anything nor
keep track of where
you left off with the last dispute to each credit
bureau. In other words it is hassle free with minimal
Sort of like not having to wash your dirty
clothes! Sometimes it can
even cost you less
money since the work is done quickly and efficiently.
your abilities and if you wish to do it yourself, you can
patience & time. Guesstimating we would
say anywhere from 3 months
to 8 months
depending on your particular problems.
Can I get credit
cards while repairing my credit?
you should only take advantage of the restoration
we give you until your credit report is back
in shape. Inquiries are
credit data, so each inquiry you have should show
positive result ie: Get Approved! Know what the lending
criteria is for lending money and see if you
fit the guidelines, otherwise
don't apply, it
just adds another inquiry to your report that gets you no
where. If you are
working on your own credit repair, don't apply for
credit until you
are completely finished. This is the safe way to go
you are not sure when to start restoration of
companies that guarantee that you will
get a card please
What can I do if I
have no credit at
all (good or
want to use your dime and call us or e-mail us we can give
some very useful tips on how to get credit
established and get your
own credit cards.
This is free advise.
you already have credit or have negative
being reported these tips will not help your
and will not
repair your credit these tips
meant to help those who have never had credit.
How does a Credit
Bureau make money?
bureaus make money by reporting credit. If you have bad
you make them even more money
simply because you will apply for
credit about 10
times more than a person with good credit. Did you
know that the credit bureaus can sell your name without your
You are the one who has to write and
tell them not to sell your name!
Why can't I get the
Credit Bureaus to remove
information on my credit report?
reason is because credit bureaus are there to report credit
not revise it. It takes
man power and time for a credit bureau
verify negative disputed credit items.
They make money by reporting
credit not by trying to help you restore it. This does not mean
will not help you with your disputes, this
means they are not going to just
jump right up and
get you the results you want.
Who can see my credit
prospective creditor, employer, government official,
companies, collectors, some one considering
you for a license or other
benefit, anyone wanting information for
business transaction between you and them
(i.e.) landlord. Basically,
anyone with a good
reason to see your credit report.
Why should I use a
Credit Repair Company?
individuals use credit repair companies because they have no
to take on this time consuming job. Some
because they just don't know
what their rights
are and others because they have tried to do it alone
not get any results. If you fit one of
these categories maybe
you do need
assistance. You have to make that decision and if
choose to use our services, we will give you
the best assistance possible.
If we can't do it
neither can anyone else. You have nothing to loose and
lot to gain. We have never made a credit
report worse than it already was!
What do I need to
do to get prices and
information on your
important links on how and why Credit
repair works see below.
Credit Repair Home
You are never under any
obligation with our services we are here only if you want
So contact us any way you feel comfortable. Remember
there are millions of
people with credit
problems just like yours and each person has to
the decision to do something about it. Reports
show that over a million
file bankruptcy each and every year. This shows the
problems in the
Bankruptcy is not the end of the world,
in fact most people, with the proper
rebuild their credit status within