What Can We Help With? You Name It.

Derogatory Items We Attack:

Payment History

• Slow Pay & Late Payments
• Collections
• Paid Collections
• Charged Off Accounts
• Paid Charge Offs
• Repossessions
• Foreclosures
• Settled Accounts
• Accounts included in Bankruptcy

Public Records

• Bankruptcy (Dismissed & Discharged)
• Judgments (Satisfied or Open)
• Tax Liens (Paid or Unpaid)

Identification Inaccuracies

• Incorrect Names "alias"
• Incorrect Social Security Numbers
• Incorrect Date of Birth
• Previous Address Inquires
• Credit pulls within last 24 months

Your Credit Report -- How Does It Represent You?

Credit scores impact everything. They determine whether or not we get loans and, if we qualify for credit, the kind of interest rates we get. Credit scores affect our employment opportunities. They can determine how much we pay for insurance.

A credit score is more than just a number. In fact, it's probably the single most important number in every modern person's life. Wherever you look, whatever you do, the importance of your credit score becomes apparent. Financial books and articles are devoted to the significance of our credit scores. Credit scores have become the measure of our character, reliability and trustworthiness.

Is Your Credit Report Representing You Accurately?

In all probability, your credit report is inaccurate. That means your credit score is inaccurate too. Credit scores are derived from the information reported to credit agencies and contained in your credit profile. There are three primary credit reporting agencies maintaining credit information about more than 100 million US citizens.

Statistics show that, on the average, three out of four credit profiles contain errors that negatively impact credit scores. Statistically speaking, your credit report and credit score are liable to contain some serious inconsistencies.

• Approximately 79% of all credit reports are inaccurate.
• 25% of credit reports include incorrect information that can be damaging enough to keep you from getting credit.
• Credit scores compiled by the three primary credit reporting agencies can vary by more than 50 points for 30% of consumers.
• Half of all credit reports include outdated, incorrect, or inaccurate demographic information, or information about someone else.
• One third of credit reports list closed credit accounts as still being open.

Erroneous credit information costs consumers money and creates problems for everyone involved. Are inaccuracies and errors on your credit report costing you money and complicating your life?

Are You Unhappy With The Information In Your Credit Report?

If so, you're not the only one. The problem is that most of us don't know what can be fixed on a credit report, much less how to fix it. Daily life requires all of our time and attention, leaving little opportunity to research our credit rights. When we do try to take corrective action, we often lack the skills necessary to challenge inaccurate information effectively.

The advent of identity theft has made matters worse. Countless consumers have become the unwitting victims of identity thieves who illegally access and corrupt their credit information. The consumer is then faced with the huge task of trying to clean up the mess, without the slightest idea about how to do it. With no knowledge about legal rights or how to challenge credit bureaus, consumers have had nowhere to turn -- until now.

Effective And Easy Credit Repair For Our Clients

We have the skills, knowledge and expertise to resolve these problems for you, and to help you achieve the most accurate and favorable credit report possible. We have the experience necessary to work productively with credit bureaus and creditors to resolve all these credit reporting issues.

At Credit & Associates, we've learned how to work with credit agencies to remove inaccurate, outdated and incorrect information. Because we've studied the credit bureaus and are knowledgeable about their reporting methods, we can skillfully go to bat for you -- and win the game.

The programs and strategies we've developed are solidly based on consumer credit laws and on the most practical methods of working with credit agencies. We work within the law, and our programs were created by attorneys and financial experts to ensure success.

Credit & Associates has a solid track record of disputing and resolving all manner of credit report problems, and we're standing by to help you now. Why live with contaminated credit? Let Credit & Associates take care of the problem for you. Get a free consultation to review your credit issues, and to discover how Credit and Associates can help you get your credit score back on track.