CREDIT REPAIR

Learn what information is—and isn't—on your credit report. It's difficult to plan for the future without analyzing where you stand today.  This means identifying and prioritizing your needs, assessing and understanding what impacts your current credit report – things like payment history, credit utilization,  length of credit history, new credit  and credit mix. Talking about these factors helps shape the advice our experts can offer and the strategy you'll build together to get you where you want to go.  

This audit is very important. Our experts will use this information and our tools to translate your vision into a personal, measurable goal and to develop a written strategy to track your progress. 

Validate that the negative items in your credit report are true, accurate, and justified with the creditors and credit bureaus.  Under the Fair Credit Reporting Act (FCRA), bureaus generally have 30 days to investigate the dispute and remove any items proven to be inaccurate. 

If the debt is found valid,  our experts will write a  Pay for delete letter asking that creditor debt collectors remove collections accounts from your report in exchange for payment.   Pay for delete happens when debt collectors remove collections accounts from your report before the 7 years in exchange for payment.

There are two things that influence credit scores when information is deleted from your credit history. The obvious one is that negative information is removed. That is the positive.  The less obvious issue is stability. Credit scores not only weigh the information in your credit report at a certain moment, they also consider your credit behavior over time. A stable account history showing consistent, positive behavior is important to credit scores. When negative information is deleted from your credit report, you probably won't see an increase unless you have positive accounts remaining or you have a plan for adding positive trade accounts.     

The last step may be one of the most important. After building solid credit, we'll work together to make sure you stay on track.   This is more than just what we do in the office – it's about regularly checking in about questions you have, or changes in your life that may affect your credit. 

Starting this process is as simple as answering a few questions to help determine  where you are today, the next step is identifying where you'd like to be. What does your vision for the future look like? What are you trying to accomplish? 

•  establish a realistic budget
• prioritize debts and negotiate with creditors
• stop collector harassment and respond to creditor lawsuits
• letter to request reinvestigation
• negotiate down your debt with creditors 
• reduce  your student loan payments
• create a healthy financial plan that you can live with

Get started today by contacting Yesu2can Financial Consulting Group®