Credit repair is the process of identifying and correcting inaccuracies or errors on your credit report to improve your credit score. This can include disputing incorrect, outdated, unverifiable and erroneous hurtfull information, negotiating with creditors, or addressing negative items that are impacting your score. The goal is to increase your creditworthiness.
Sure, It’s your right and responsibility to monitor and protect your own credit. The Fair Credit Reporting Act was established to help all consumers protect their credit. If you feel lost or need HELP, At High Rise Credit We work with the 3 main credit bureaus and these laws for over 12 years.
Credit repair can take anywhere from 3 to 6 months or a couple of years, depending on the complexity of your credit situation. Some issues may be resolved quickly, while others may take more time to dispute or settle. It’s important to be patient and follow through with the process.
Yes! Credit repair can help improve your credit score, even if you have bad credit. However, the success of credit repair depends on the specific issues on your credit report. If the negative items are valid, they may take longer to resolve, but we can still work on improving your credit.
Negative items such as late payments, collections, and bankruptcies may be removed from your credit report if they are inaccurate, unverifiable or outdated. While some items can be disputed or negotiated for removal, others may take time to fall off your report naturally. Our team can help assess which items can be addressed.
If you don’t repair your credit, you may continue to face higher interest rates, be denied for loans, or struggle to qualify for credit cards and mortgages. Negative credit can also impact your ability to rent an apartment, get certain jobs, or sign up for utilities.
While credit repair can help improve your credit score by removing errors or addressing negative items, we cannot guarantee a specific increase. NOR ANY COMPANY CAN GUARANTEE SPECIFIC RESULTS. Credit scores depend on many factors, including payment history, credit utilization, and the types of credit you have. However, our team will work diligently to improve your credit.
No, credit repair itself will not harm your credit score. In fact, disputing incorrect information or resolving outstanding issues can help improve your score. However, actions like closing old accounts or opening new ones during the process can potentially have a temporary impact on your score. Our team will guide you through the best actions to take.
No, credit repair does not eliminate debt. It only helps improve your credit score by addressing inaccuracies, outdated information, or negotiating with creditors to settle or remove negative items. To reduce your overall debt, you’ll need to make payments and create a debt repayment strategy, and we can HELP.
Summary of What Can Be Worked On:
- Late Payments
- Collections Accounts
- Charge-Offs
- Bankruptcy
- Judgments
- Inquiries
- Tax Liens
- Credit Card Debts & Loan Defaults
- Identity Theft
- Errors in Personal Information
- Old or Outdated Information
- Settling Debts
- Public Records
Credit Repair
Credit Reports Audit
Credit Education
New Positive Credit
