Credit Removal

A recent study by the U.S. Public Interest Research Group found that over 70 percent of all credit reports contained errors.

These negative marks on your credit history can have devastating consequences. CSR investigates these errors on your credit report and challenges the credit reporting agencies and/or creditors on your behalf to make sure every entry on your credit report is 100% accurate. By the law, we hold your creditors responsible for the damages caused by inaccuracies on your credit reports.

All Items Are Subject to Challenge.

We make sure the collection accounts, charge-offs, slow pays, tax liens, foreclosures, bankruptcies, repossessions, delinquent student loans and judgements that don’t belong on your credit report are removed. We also make sure the good credit you have remains on the credit report. We help to restore your credit by demanding that your creditors comply with the federal laws listed below to protect you, our valued client:

1. Fair Credit Reporting Act

2. Fair Debt Collection Practices Act

3. Fair and Accurate Credit Transaction Act

4. Health Insurance Portability and Accountability Act

5. Fair Credit Billing Act

Inquiry Removal

Sign up with www.privacyguard.com and try to get a merged report.
Count your credit inquiries on Experian, Transunion and Equifax
Fill out the form or call us to order. Please provide all information that we ask in the form to prevent a delay)
As soon as the payment goes through we will process your request.
You will be able to see your credit inquiries removed online.

CREDIT INQUIRIES THAT SHOULD STAY ON YOUR REPORT.

Please Note: We do not remove credit inquiries that are attached to OPEN BUSINESS and/or PERSONAL revolving and/or installment accounts. Also if you opened a personal and/or business bank account and bank run you credit. Credit inquiry will stay on the report. If you asked for credit limit increase and bank run your credit then credit inquiry will stay on report. Credit inquiries generated through Auto, Mortgage, Rent, and Employment, Denied credit application or closed accounts can be removed.

$30 removal fee for all credit reporting agencies Experian, Equifax and Transunion,

we do not charge per removal per agency, its just a $30 fee per inquiry for all agencies.

Tradelines

Fair Isaac Corporation – the company who determines your credit score and sells it to banks – recently released a new credit scoring model called FICO® 08. Many American consumers are wondering how the changes will affect them, how soon those changes will take place, and how to raise their new credit scores and repair credit.

Firstly, while this new scoring model for your credit score was released a few months ago, it won’t likely affect any of us for several years; it will take time for it to permeate the entire financial industry in America. Every bank, car dealership, credit card issuer, and mortgage company will be on the hook for a costly “upgrade”, should they choose to use FICO® 08. In fact, a large majority of banks and lending institutions are still using the FICO Classic® model, which is nearly a decade old.

However, once FICO® 08 is in effect, massive credit score declines are predicted nationwide so be sure to keep apprised of your credit score and any changes. While leniency will be practiced on small items, like a missed payment, most people will see a reduction in their score as a result of the tighter restrictions against those of us who owe too much money on our credit cards, thus perpetuating the need to get credit repair, fix credit and improve credit scores through credit repair companies and companies that help improve credit.

So, how do you attempt credit repair, or how do you attempt to fix credit and improve credit scores now and in the future? Is credit repair and the ability to fix credit and improve credit still a viable option? The answer is simpler than you may think, far faster than traditional credit repair, and it is far easier than being a good credit steward and merely paying your bills on time. While that is certainly the best method to practice, it may not be enough for you to achieve the loan you need, and they are most certainly not efficient ways to permanently fix credit or improve credit.

One of the original intentions behind the new credit score model was an attempt to eliminate an effective and legal credit repair boosting strategy called “piggybacking,” a tool that can help people when attempting credit repair.

Piggybacking is when one person with good credit rents out an Authorized User spot on their credit card to another person needing to fix credit, for a small fee. Once the renter is added as an AU, the account history – payments, limit, and balance – for the cardholder’s account appears in the renter’s credit file within a few weeks, thereby immediately affecting the renter’s credit score and providing a successful solution for all of us to improve credit and fix credit; ultimately helping our credit score.

Fair Isaac Corporation permanently approved the piggybacking benefit in the FICO 08 model in July 2008 during a Congressional Subcommittee summit on Credit Education. The confirmation that the piggybacking credit improvement benefit would remain followed legal concerns presented by Accurate1Tradelines to the Federal Reserve and the Federal Trade Commission earlier that year.

In the end, pay your bills on time, every time. And if you need a quick way to improve credit or fix credit, piggybacking looks like a good option.

The advisory team at CSR is here to help you acquire the credit image you need in order to achieve your financial dreams and live your life to the fullest.

ChexSystems Removal

ChexSystems Removal  1-3 items $450
ChexSystems is a check verification service and consumer credit reporting agency owned by the eFunds subsidiary of Fidelity National InformaHtion Services. It provides information about the use of deposit accounts by consumers.
 
Having a written or having checks bounce can go against you when opening a bank account. Our team of credit repair specalists can help. 
 
We can help remove those negative items from your report to help you get a bank account again!!!