Sure, Its your right and responsibility to monitor and protect your own credit. The government has a set of laws to help you called the Fair Credit Reporting Act. RVB is here if you need help from professionals who work with the bureaus and these laws every day.
Each of our program costs are explained in detail on the Programs page.
You will be given an on-line account page where you can watch progress. There is a Time Line and Progress Report as well as Credit Analysis component.
No. That is not an effective strategy. The credit bureaus and creditors receive millions of disputes monthly. They are prepared to handle a heavy flow of challenges, so when we attack an item from your credit, we expect a response. All of our challenges are custom arguments.
Sure, your credit is your own, you just need to be aware that applying for new credit will add new inquiries to your credit report which will impact your credit score.
It is your right and responsibility to assure the accuracy of the items on your credit reports. If information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.
Credally helps client attack their credit damage by challenging the inaccurate, untimely, misleading, biased, incomplete or unverifiable negative items from their credit reports.
YES. It is your responsibility to protect your credit while we are working on your history. If you add new damage to your credit report, you will be working against us.
It is possible for a negative listing that had been deleted to be verified by a creditor after the deletion is complete. When this happens the Fair Credit Reporting Act states that the credit bureaus need to inform you before re-reporting an items that had been deleted. It is a rare occurrence to have an item removed and replaced, but it is possible.
Paying your bills every month will build your credit history. If they are revolving or installment accounts, paying your bills every month will build your credit history.
Depending upon the type of bankruptcy, it might stay on your credit report for up to a decade. The Fair Credit Reporting Act (FCRA) outlines the credit reporting limitations forbankruptcies.
Once you have a judgment against you, the plaintiff may be able to collect the money in several ways including wage attachments or garnishments.
Credally can help you understand what should and shouldn’t be on your credit report and share tactics that may help you get incorrectly reported late payments removed.
There are two potential ways to remove a repossession. You can dispute a repossession or you can try to negotiate with the creditor to remove it early.
There are five circumstances under which you might be able to remove a foreclosure from your report earlier than expected. Learn more about how to remove foreclosures from your credit report.
A Credally specialist can analyze your credit reports and discuss your credit history with you to determine which credit inquiries we may be able to help you remove.
You can ask a debt collector or creditor to remove a collection and this type of favor is known as a goodwill request.
Credally is a New Jersey-based credit restoration specialist that’s been in business for over 15 years and has an A+ rating from the Better Business Bureau.