What are the benefits of credit repair?

Our service delivers true same day investigations on one our more of your credit bureaus. So you can enjoy the benefits of a higher Fico Score much quicker by using our personalized service . The deletion of any negative item is the quickest way to raise your "FICO" scores with each of the bureaus. By raising your "FICO" score, you will most likely be approved for the loan you desire at a much lower interest rate.

A higher score will enable you to receive flexible financing options and be approved with a lower interest rates on any new loans. This lower interest rate will save you thousands of dollars a year in interest on your new home or car . This can free up money for you to enjoy a better quality of life making it possible for you to afford those things that you have only dreamed about until now.

Landlords are becoming extremely cautious about who they will rent their properties to. A higher "FICO" score could be the difference between being approved or having to put down a large security deposit. Worst of all it is the biggest reason some people are even refused a lease altogether.

Now, more then ever before employers are relying on the bureaus to screen potential employees for desired positions in their companies. With unemployment reaching record highs it is more important now then it ever was to keep your bureaus reflecting accurate information. Negative or outdate info on even one of your bureaus could mean the difference between being hired or not hired for a better job.

All types of negative Items can be deleted without having to wait 7 to 10 years. Simply put, the quicker these negative items are deleted, the quicker you'll get your life back on track. The difference of just a few points can and will make the difference in loan applications and credit cards being approved or denied.

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Yes, the cleaning of your credit reports is legal!

The repair and cleaning of your credit reports was written into law for your protection and is 100% legal. A former U.S. District Court Judge by the name of Judge J. Wexler entered into law the legal opinion that third parties could assist in the correction of Equifax, Experian and Trans Union. This created a big problem for the credit reporting agencies. Equifax, Experian and Trans Union understood that credit repair companies would invest years to find out the three bureaus operational procedures, and figure out the legal loopholes in these laws necessary to remove a client's negative items from being reported. This is how credit repair services became part of the private business sector. It is your legal rights pursuant to The F.C.R.A, the F.C.B.A, The T.L.A and The F.D.C.P.A. as well as a number of other applicable Federal Statutes. This credit repair services 100% legal; therefore, you should exercise your rights to protect yourself from the credit bureaus and your creditors. Simply put, credit bureaus are privately held companies only in existence to make a profit. Forced to combat this devastating legal decision they realized it would be far more cost effective to spend a few million dollars a year convincing the American public that these techniques simply don't work. By spreading propaganda and discrediting companies like ours, the big three would save millions of dollars per year by convincing the American public that negative marks must remain on your bureaus for at least seven years, and can not be repaired. This statement simply isn't true and our company proves that everyday.

Lenders are responsible to report 4.8 billion pieces of information to Equifax, Experian and Trans Union daily. These bureaus just don't have the resources or time to do their job effectively or efficiently. Lenders simply make a lot of mistakes in their filing procedures. The mistakes in their filing procedures make it possible for us to remove these negatives items legally and permanently.

There is a law contained in the F C R A of 1934 that you should be aware of; it states any frivolous and irrelevant request for an item to be investigated or reinvestigated may be ignored by the bureaus. A bureau can legally ignore your request for a dispute based on one pretext or another. This is where Credit Bureau Experts comes to work for you; it is not in your best interest to represent yourself in a court of law. It is in your best interest to have a company that has been throughly trained thoroughly trained to repair your credit bureaus. Your financial situation is extremely important and should be handled by a professional specializing in this area with our expertise. Our expertise with the F C R A Laws and years of experience with the bureaus are essential to your success! Simply put, our service could make the difference between you being approved for a loan or not.

Yes: you can cancel our service at anytime!

You may cancel your monthly agreement for our credit repair service at any time you wish without any penalty or obligations. There is no contract to sign we only maintain a service agreement between our clients and our company. Credit Bureau Experts understand that your credit profile is as unique as you are and no two credit reports we be exactly the same. This simply means that while one person might complete our credit report repair process in a few months while other clients might take a little longer. So with this in mind we want our customers to feel at ease about when they feel they have reached maximum benefit and cancel our services accordingly.

Does Paying Your Bad Debt Increase Credit Scores?

No, paid but once-delinquent accounts still show up as severe negatives. Once your bureaus has a negative marks with a creditor it will not restore your credit in any way to make payments arrangements. You would think that clearing up your old balances would have an impact on your scores, but it doesn't. In fact by clearing these debts up you can hurt your credit score more. Once you finish off paying a bad debt it will update the date of last activity. This will allow the bureaus to report the negative item for another seven years. Fact: paying your past-due debts does little to immediately increase your score with Equifax, Experian or Trans Union and may actually make the score worse. When you pay off an old account it simply changes the listing to appear on your bureau as a paid charge off or a paid collection. Just the fact that the word "Charge Off" or "Collection" is on your bureaus is going to hurt you. This in turn still leaves you with a negative mark on your bureaus. You are better off working towards removing it all together, as it never was a part of your file. This is where our professional services go to work for you using years of experience and investigative techniques to work towards having it removed by either a one of the bureaus or the people responsible for placing it there in the first place. We remove tens of thousands of these items each month and have been with over 11 years. Our credit services are the quickest way to getting your life back on track. We have helped almost 40,000 people through the years, and have the best 100% Money Back Guarantee to stand behind our work.

No Long Term Contracts!

You may cancel our service at anytime you wish without penalty or obligation. There is no contract to sign; we only maintain a service agreement between you our clients and our company. Our companies philosophy is simple why would you cancel when each and every month your keep seeing improvements to your case. We feel confident that producing results fast is the only way to keep you on our program. We feel so confident that we will complete most of your work during the first four months that we lower your price afterwards. After the fourth month we will continue working at this reduced price because, there will be much less work to do each month. There is no need to pressure you into any time period on our program. We have a pay as you go program with the guarantee that if we don't produce results during any month on our program then that month is free. We will work as fast as possible to complete your case as quick as possible!

All Upgrades Included!

Credit Bureau Experts is the only credit repair service that works directly with your creditors and Equifax, Experian and Trans Union without adding unnecessary and expensive upgrades to your monthly fees. For over 11 years we have found a much higher success rate and quicker resolution to your credit concerns while employing this technique! Our company believes it just wouldn't be advantageous for our clients if we didn't pursue investigations on both levels. Our process requires more than just disputing negative accounts with the bureaus. We demand that the original creditors, collections agencies and courthouses support their reporting of negative items on your credit bureaus. Our professional services go further than just asking for "verification", but for validation, proof of a debt, and contractual obligation. They must be willing and able to comply with the laws and timelines mandated by the FCRA, the FACTA, HIPAA and the FDCPA. Our service conducts all of our clients credit investigations on an individual case by case basis. Our one price service includes all up grades to ensure the quickest results. We feel our methods will get your case the fastest results possible, while saving you time and money.