Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offering proof. It is our job to prepare documents that challenge this and we are very skilled at that. PLEASE NOTE: JUST SO WE ARE CLEAR, YOU CAN DO ANY OF THIS ON YOUR OWN YOURSELF FOR FREE! HERE'S HOW IT'S DONE! Step 1. You the client will order reports from all 3 bureaus: Equifax, Experian and TransUnion. The report imports into our software. Together you identify all the items you wish to dispute. Or you can do this yourself by reading the report and marking everything wrong with a highlighter. Step 2. Send a dispute letter to each of the 3 credit bureaus. Dispute up to 5 items on each letter within a 30 day period. This is called Round 1. NOTE: Send the letters certified mail. Step 3. Within 30-45 days, the bureaus will respond with a letter explaining the outcome of each investigated item and indicate if the items have been deleted, corrected or verified. If you the client has a credit monitoring subscription, we can re-import the results with one click using our software. The results will determine your next steps. Or by using the law ask how the item was verified and to send you copies of how it was done. Step 4. If the items were deleted, that’s awesome! You can dispute additional items using the same Round 1 Letter. On the other hand, if the bureaus verifies any of the items or ignore your disputes, Our software makes it very easy to find the right letter to use for each and every possible situation. These letters are called Round 2, 3, 4, etc. Over time negative items are corrected and the score goes up! NOTE: Again, you can do this yourself.
Is Credit Training and Education worth my time and money?
Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed. However, some creditors/debt collectors will not remove such items and that is when we will fight using the law and ask them to verify the debt, how they verified the debt and/or to show any contractual obligation between you and the debt collector. If any of this information is not provided in a specific time frame the debt must be removed. If they still choose not to comply, we have even more ways to make them comply.
What can I expect when I enroll in Credit Education?
We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.
What is your 100% Guarantee?
You are entitled to a 100% refund on all monthly payments if: - We do not remove more than 25% of all the negatives worked on. - We have had three months from the time you retain our services. - We have not removed at least two negatives on your credit reports 90 days after the time of sign-up. - You do not agree to send updated reports from the three credit bureaus to us within 5 days of receipt. (Clients should receive updated credit reports every 15-45 days.
It is the client's responsibility to make us aware if updated reports have not been received from the credit bureaus.
Through our services, 93% of our clients see their credit score increase 10 points or more in the first 45 days. Over the full 180-day term of the non-exclusive contract, the average credit score increase is 80 points. However, this is an average and by law no credit building company can guarantee how long it will take or how much your credit score can rise. There are to many factors that determine your credit scores and we do not know the work ethic of our clients to do what we advise. However, If you would like to start fast by adding a positive legal tradeline to your credit reports right away. Click on the words raise my score in the title of this question to be redirected to a secured credit building Mastercard that reports to all 3 credit bureaus. Starting cost for the secured Mastercard is $200 up to $1500. This is a tool that could be very helpful to you. If not, no worries, there are other ways. Disclaimer: This information does not provide specific legal advice. By using this website you understand that there is no attorney client relationship between you and the website publisher and/or company owners. The use of this website should not be used as a substitute for competent legal advice from a licensed professional attorney in your state.
Why are your results different?
There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.
Will the removed items come back?
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances. In those cases we will use the law to remove the item.
What items can you help me to remove and improve?
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
Contact Us At 1-800-357-9817 or by email at dgamanagementllc.com or simply go to the sign up now page and fill out the form and click I'm Ready To Sign Up!