Southern Credit Repair

 

The Leaders in Credit Repair for the Southern States.

     
  Southern Credit Repair Dallas, Texas, Arkansas, Louisiana, Mississippi & Tennessee     Credit Repair Questions
 
Southern Credit Repair Dallas, Texas, Arkansas, Louisiana, Mississippi & Tennessee

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How do you repair bad credit?

Is credit repair legal?

Can I restore my own credit?

How long does credit repair take?

What if deleted items reappear on my credit report?

Do I need to pay my bills?

Does paying my bills restore my bad credit?

Does paying off past-due accounts neutralize their negative status?

Do you guarantee your credit repair services?

How will I know it is working?

What do I need to do with my updated credit reports?

Does bankruptcy wipe the slate clean on my credit reports?

Does the CCCS help consumers restore credit?

What is the Fair Credit Reporting Act (FCRA)?

How do you repair bad credit?

Our program utilizes targeted disputes based upon the Fair Credit Reporting Act in order to delete inaccurate, misleading, obsolete and unverifiable information from your credit reports.

Once we've received your credit reports, we will prepare the appropriate intervention or dispute letters. The dispute letters are designed to communicate your dispute in such a way that the credit bureaus will accept the dispute and conduct an investigation.

You do have the right, under federal law, to conduct your own credit repair process if you so choose. While this may sound easy, any person who has attempted to dispute items on his own credit report may tell you otherwise. According to federal law, the credit bureaus can ignore your dispute under a variety of conditions.

At the conclusion of the credit bureau's investigation, a new copy of the credit report should be sent to your home along with any deletions or improvements. You then copy and send us the new credit report. If you are still not satisfied that the questionable, negative credit has been accurately resolved, the cycle will begin again.

A disputed credit listing must be accurate, timely and verifiable for it to remain on the credit report. If the credit listing is only somewhat inaccurate, the credit bureau may simply change the item to reflect the accurate status. Very often, though, disputed credit items cannot be verified: the creditor either no longer possesses the information or does not wish to go to the trouble of verifying it. Also, the reinvestigation must be completed within 30 days, though the credit bureaus do not always meet this deadline, or the listing must be removed. For these reasons, properly disputed questionable credit listings have been removed with remarkable frequency.

     

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