How It Works
The three major credit reporting
agencies (CRAs) are Equifax, Experian and Trans Union. These are
multi-million dollar corporations that operate for profit, like all
other corporations. They are not affiliated with the government in any
way. They make their money selling your personal information to
creditors for credit and insurance offers. They also sell your
information to employers and landlords but worst of all they sell your
private personal information to telemarketers and mailing list
companies, all without your permission. The point we’re trying to make
here is that these big corporations do not have your best interest in
mind. They will admit that errors exist on credit bureaus but they go
on to state it is not their job to ensure the information is accurate.
It is up to you, the consumer, to prove that their report is
inaccurate.
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What we do and how we are different
The Federal Trade Commission and Consumer Credit Protection Act have
enacted hundreds of regulations that credit reporting companies,
collection agencies and credit bureaus must comply with in order for
any reported item to remain on your report. When TRW Credit Group
L.L.P. receives your file, a skilled credit analyst reviews your
reports to determine which items can be challenged that when removed
will result in an improved credit score. TRW Credit Group L.L.P. then
challenges derogatory items, with a letter demanding the reporting
company prove that they are in compliance with the laws and regulations
and remove the challenged item. This process is repeated with each of
the three major reporting agencies. When this process is complete, a
report is sent to the client detailing the steps that have been taken.
Within 60 to 90 days, the credit bureaus respond with a
verification or deletion summary that shows the results of each
challenge made. Overall average success rate is between 85% and 95% of
unverifiable derogatory items removed. Best of all, the items that tend
to be removed first are those that are the most harm your credit, such
as bankruptcies, tax liens, judgments, charge-off, repossessions,
student loans. While the full process takes up to four months, many
clients see enough improvement their score to allow them to qualify for
a mortgage or low interest car loan in as little as 45 to 90 days.
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How will I get updates on my file?
Credit reports will arrive first at your home and then you will forward
them to us in the mailing envelope provided. When we accomplish
deletions and improvements, you will see them first on your credit
report. We ask that you follow the instructions that you will receive
from us and mail all correspondences from the credit reporting agencies
to our offices so that we can maintain contact with each other during
the credit restoration process.
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The details
The Credit Repair Service we provide utilizes state-of-the-art computer
technology so that we may help you better than any other credit repair
service. We developed a tracking system that will not allow anything to
“slip through the cracks”. You can rely on our extensive knowledge of
the
Fair Credit Reporting Act and the
Fair Debt Collections Practice Act,
along with our many years of experience and time proven letter writing,
forms and Lawful Notices. Our service can remove inaccurate negative
unverifiable and incomplete information from your credit reports with
all three major credit reporting agencies. This includes removing
charge offs, bankruptcies, tax liens, judgments, repo’s, foreclosures,
student loans, and slow pays. We realize how that sounds, but it’s
true! We have had great success helping people with every kind of
credit problem. After utilizing our service, many of our clients have
gone on to buy a new home, a new car, adopt a baby or just met the
credit needs of their family by buying new appliances for their home
that they couldn’t do before.
Our Credit Repair Service has helped thousands of people
restore their credit and raise their Beacon Score. There are people out
there that say they can repair your credit for less money but that old
saying of “You get what you pay for” is something you need to consider.
If you don’t send in your credit reports to them, they don’t care,
that’s just less work for them to do. They already have your money!
We’ve repaired thousands and thousands of credit reports after they
paid these “fly-by-night” guys to do it. We can save you thousands of
dollars in interest by raising your credit score.
We charge only a
one-time low fee of $699.00 for our complete service. No ongoing fees
just that low, one-time fee.
And, you don’t pay if we don’t improve
your credit profile!!!
Call Danny Now! 864 608 4221
