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Taken directly from a letter from Equifax to a consumer: There is a brisk business among so-called "credit-repair" companies that charge from $50 to more than $1000 to "fix your credit file." In many cases, these so-called "credit repair" companies take your money and do little or nothing to improve your credit file. There are no quick or easy cures for poor credit history. If a credit repair company promises you it can clean up your credit file, remember the following:
  1. Your credit history is maintained by private companies called credit reporting agencies that collect information reported to them by banks, mortageg companies, department stores, and other creditors. They also retrieve public information from courthouses.
  2. These credit-reporting agencies can legally report accurate credit information for seven to ten years as well as some bankruptcy information for ten years.
  3. Information cannot be erased from your file by companies advertising "credit repair" or anyone else making these types of claims if the information is accurate and meets legal time restrictions for reporting credit information
  4. The only information in your credit profile that can be changed is information found to be inaccurate.
- Equifax
 








 

Let's Talk Credit Scores provides everything for an individual's credit report and score: Education, advice, and most importantly the assistance of properly resolving any issues you might have. We share with you everything you need to know about improving and maintaining a higher credit score. It's not just about "paying off" outstanding debts. You could still have a low score if you have never missed a payment. There is valuable information and advice that we can share with you in managing and maintaining good credit.

In some cases, you may have some leg-work needed to be done such as contacting creditors, researching accounts, negotiating settlements, preparing letters to update verified information with the bureaus, etc. If you do not have the time or patience to do any necessary leg-work that may be required, you can hire us to do it all for you.

Learn why we are the only professionally trusted choice
among industry professionals.


TODAY
--- INCLUDES PERSONAL REVIEW OF YOUR CREDIT REPORT!

Call us at 732-202-0088

You can also email: info@letstalkcreditscores.com

 
  Let's Talk Credit Scores — 11 Princeton Avenue, Suite #2, Brick, NJ 08724
Phone: (732) 202-0088 Fax: (732) 202-0089		  

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