Write a letter to the specific credit reporting agency that shows the falsehood, whether it is Experian, Equifax, or TransUnion. Explain the mistake and include a copy of the highlighted report along with your documentation. Although certain bureaus now let you submit disputes online, it’s not a bad idea to send this letter by certified mail, and keep a copy for yourself. The reporting agency has 30 days from the receipt of your letter to respond. The Federal Trade Commission provides advice on contacting the credit bureaus about discrepancies. Here are the contact numbers and web sites for the three credit bureaus:


Here is where it all comes together! Rapid rescoring can raise your credit scores quickly. Many of the tactics on this list are highly effective but can take 30 days or more to actually reflect in your credit score. But a consumer can utilize a Rapid Rescore in order to speed up that recalculation of their credit – and raise their score within just days or a week. With a Rapid Rescore, the credit bureaus simply recompute your score immediately, instead of at the next natural cycle date. Therefore, if you’ve paid down debt, added yourself as an authorized user, deleted collections, or added new positive tradelines, it will show up post haste. A Rapid Rescore is invaluable if you’re applying for a business loan, trying to get approved for a mortgage so you can make an offer on a house, or just trying to clean up your credit before a potential employer checks your report. However, you’ll want to enlist some help to take advantage of a Rapid Rescore, so contact Blue Water Credit if you’d like more information or help with any of these tactics!
This course was awesome!! Very easy to follow, very informative, and most of all it has a step-by-step guideline on HOW to start your own credit repair business! I highly recommend this course! I had very little knowledge of the credit industry, but now I feel like an expert. Thank you so much for the creation of this course and especially for the tools you have available to help me start and run my own credit repair company. Much love!!

Once you start fixing your credit, you are going to want to shoot for a score of 700 or higher. When you have a high score like this, you will be able to save thousands of dollars over the years. You can sometimes even negotiate with lenders for even better rates. Because they are starved for quality customers who are going to pay them back, they are often willing to negotiate. They will see you as a good risk to take. You will get more than just better interest rates when you fix your credit though.
The following course in Financial Management is provided in its entirety by Atlantic International University's "Open Access Initiative" which strives to make knowledge and education readily available to those seeking advancement regardless of their socio-economic situation, location or other previously limiting factors. The University's Open Courses are free and do not require any purchase or registration, they are open to the public.
Disclaimer: Editorial and user-generated content is not provided or commissioned by financial institutions. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are WalletHub advertising partners. Our content is intended for informational purposes only, and we encourage everyone to respect our content guidelines. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
This includes a complete set of features that enable Credit Repair Organizations who have Processing Centers to create Remote Offices, Branches or Independent Credit Repair Affiliates. With the Processing Center Edition (Included in all versions of SX3 Credit Repair), users can easily configure representation agreements "per Branch Office" which allows the use of different Company names, contact information, logos, etc.
With Dispute Wizard from SX3 Credit Repair, you just need to select the dispute letter template that you want to use (you can have unlimited templates) and the system will randomly generate the content of the letter based on a database of multiple entries, making sure that no letter is the same or even "similar". This guarantees that your disputes will pass the first requirement of the Credit Bureaus and increase the chances of obtaining a result in the first round.
Financial Management Course, also referred to as "debtor education", generally refers to the "instructional course in personal financial management" that an individual debtor must complete before a discharge is entered. This is a separate course, not to be confused with the pre-petition credit counseling requirement. While the credit counseling must take place before you file, the debtor education must take place after you file before the discharge can be entered.
If you have missed payments, get current and stay current: the longer you pay your bills on time after being late, the more your FICO Scores should increase. Older credit problems count for less, so poor credit performance won't haunt you forever. The impact of past credit problems on your FICO Scores fades as time passes and as recent good payment patterns show up on your credit report. And good FICO Scores weigh any credit problems against the positive information that says you're managing your credit well.
Many times people who may or may not require surgery consult a surgeon for advice and forget to gather that second opinion from a non-interested party. Logic would dictate that asking a mechanic if there is anything wrong with a car is probably going to result in a repair and a charge. Sometimes all it takes is that second opinion which can save additional surgeries or costly auto repairs in a world where “extra” expense and unnecessary pain simply do not belong. Fast credit repair companies make it sound simple when it comes time for paying the big upfront fee, but the complications often follow.

Credit and debt go hand in hand. If you’ve faced challenges with debt, then it’s probably affected your credit, too. In many cases, you need credit repair to correct mistakes and errors in your credit report that you may have picked up along the way while getting out of debt. Just by removing these errors, you can raise your credit score instantly with each successful dispute. There are a few ways to repair your credit and a few things you should know before you get started.

Reputation: Pyramid has a pretty stellar online reputation, which has a lot to do with its excellent customer service and dedicated account managers. Pyramid scores close to 5 stars in most online reviews, although it is not registered with the Better Business Bureau, so there is not comparison with other credit repair companies when it comes to the BBB.
In some cases, adding an authorized user can also accrue reward points connected to a credit card account. These reward points can be used to make purchases or receive discounted pricing on things like travel and retail products. Typically, points are accrued from reaching credit card spending amounts within a certain time frame. Sometimes, the act of adding an authorized user can garner additional rewards as well.
Reputation: As seen in recent news, the Consumer Financial Protection Bureau does go after, fine and prosecute any credit repair agencies that are practicing unfairly, in other words, scams. So any company that has been around for decades and hasn’t been investigated or fined by the CFPB usually means they are practicing fair credit repair. There are also independent sites and agencies that review credit repair companies to see how reputable they are, such as the Better Business Bureau, which gives all the companies we’ve reviewed an A- or higher.
A quick Google search yielded this terms and conditions sheet, which may be slightly different than the one you’d receive if you applied for a card. According to the one we found, Credit One charges an annual membership fee from $0 to $99. Credit line minimums are between $300 and $500. So you could be paying $99 for a $300 credit limit. APR is relatively standard, but on the high side, with variable 19.15% to 25.24%. Given the high annual fees, we recommend saving your money and using a secured card with no annual fee to begin rebuilding your credit score.

You really do get waaay more than what you pay for here! The training is invaluable, if it were free people would probably take it as a scam or something but the training is genius! I used to be a corporate trainer and I see the adult learning model is used throughout the training, so most adults will grasp the concepts quickly and if you follow the business model step by step you'll be in business in no time, it's the real deal! I haven't started mine yet but this gave me the push I needed to get things moving! You can also see how easy the credit repair software is! What I really like about this whole set up is they are obviously training you so you'll use the software, but they don't tell you you HAVE TO use it. They will train you on other means, so it's an OPTION not a REQUIREMENT although if you don't use some type of system I don't know how on earth you'll do it. Anyhoo, all thumbs up from me, and I'm a very skeptical hard sell!


Can a credit repair company really help you improve your credit score? The answer is yes. You don’t have to work with one, of course; you can try to tackle any of the previously mentioned issues on your credit report by fixing your credit yourself. Unlike credit cards, a mortgage or online loans, there is no approval process for credit repair, and your credit score will not affect the cost, like it does with interest rates or loan costs. However, most professional services have a better understanding of how credit works, how to communicate and negotiate with lenders, and how to get these things done efficiently and effectively. Credit repair can be a lengthy process, and leaving it to a professional can help you avoid both frustration and failure.
Don’t worry about paying installment accounts. They have a low impact on your score. Instead, the main difference between two people with a 680 and 780 credit score is the percentage of revolving balances. Pay your revolving balances off if possible. At the very least, aim to pay those balances down to less than 30%. This will improve your credit score in 30 days or less.
Credit restoration is a very individualized and customized process that won’t work for everyone. If you have numerous inaccuracies, your credit report could improve. If you’ve been the victim of identity theft, then you could see significant changes. However, if you have negative but accurate items on your report, the results can be less effective. Credit repair may still help, allowing you to get a better rate for loans on items such as property of vehicles.
One of the most tedious and complicated tasks of starting a business is to “find and purchase” a relevant domain name (website address) that can provide both exposure and recognition. We have done all the hard work to compile a list of domain names (available here) that you can purchase from us. Simply select your domain name from the list and get 10% discount of the advertised price.
If you don’t address the exact cause of your bad credit, the damage is likely to worsen the longer it goes untreated. For example, if you’ve missed a few credit-card payments, repaying at least the minimum amount needed to change your account’s status from “delinquent” to “paid” on your credit reports will prevent your score from falling further. The same is true of collections accounts, tax liens and other derogatory marks — at least to a certain extent.
With Dispute Wizard from SX3 Credit Repair, you just need to select the dispute letter template that you want to use (you can have unlimited templates) and the system will randomly generate the content of the letter based on a database of multiple entries, making sure that no letter is the same or even "similar". This guarantees that your disputes will pass the first requirement of the Credit Bureaus and increase the chances of obtaining a result in the first round.
Credit repair refers to the process of disputing mistakes and errors in your credit reports. Each credit bureau maintains their own proprietary version of your credit report. They strive to maintain accurate information, but errors can occur. Credit repair is the process you use to correct those errors by submitting a dispute to the credit bureau that issued that report. If the information cannot be verified within 30 days, the credit bureau must remove the item you disputed.
Companies that want you to lie about credit history or create a new credit identity can get you into legal trouble. Companies that provide “new” identifying information use stolen Social Security numbers, and if you use this number then you are committing fraud. Likewise using an Employee Identification Number or Credit Profile Number provided by these companies is a crime. Rather than committing fraud, take the steps below to improve credit on your own.
Several years have passed since technology started to fly by at what seemed like the speed of light and the demand for products and services began to change and adapt to meet the latest consumer pace. Services that previously took weeks were forced to move into days, soon followed by the same day and ultimately “within hours” or even “instant.”  Fast became the motto from the drive-thru windows for food, banking and almost anything and everything and “do it yourself” and “easy assembly in minutes” began to thrive.
There is still one way to legitimately get your credit fixed fast, usually within 7 days and many times within 3 days. This fast method of credit repair is called “Rapid Rescore” and is ONLY available to mortgage companies. The rapid rescore program was created for the mortgage industry to use when clients had legitimate easily solvable disputes. Examples of some of the easy disputes typically had to do with the timing of updates. For example if a client had recently paid down a balance, received a higher credit limit or resolved a dispute in advance and is in possession of such proof. They can use this proof, submit it to the broker or loan officer who in turn submits it to their “local” credit bureau. The update is manually verified with the creditor, updated, then rescored. The hope and desire is that the client will have a higher credit score due to the changes and qualify for a better rate.
Thanks for reviewing Sky Blue Credit Repair as we’ve been hearing mixed things about the company. We’ve read lots of reviews but your review has been the most comprehensive and informative. It really seems to be a minefield when it comes to choosing the best credit repair company. I need to repair my credit rating as I want to buy my first home…I think I will Sky Blue a try.
There are many different types of credit repair methods and credit repair companies. Many companies will advertise they have fast credit repair or faster credit repair services than others, but there are many factors that come into play here. Every consumer is in a different situation, but many consumers looking to repair their credit are looking to buy a home relatively quickly. With mortgage guidelines being tighter, credit scores are more important than ever and most consumers don’t realize they don’t qualify for a mortgage until after they are denied for one. Many times consumers search and search for a mortgage company that can be more lenient or “considerate” in their underwriting, but ultimately it all comes down to having good credit scores.

You can start to resolve identity theft issues by visiting www.identitytheft.gov to report identity theft and get a recovery plan. This is an excellent, free website created by the Federal Trade Commission. In addition to reporting identity theft, you will receive a free action plan, and you’ll gain free access to people who can guide you through the identity resolution process.
Once you start fixing your credit, you are going to want to shoot for a score of 700 or higher. When you have a high score like this, you will be able to save thousands of dollars over the years. You can sometimes even negotiate with lenders for even better rates. Because they are starved for quality customers who are going to pay them back, they are often willing to negotiate. They will see you as a good risk to take. You will get more than just better interest rates when you fix your credit though.
This depends on what you mean by “better”. It is definitely cheaper to do it yourself, but it requires a lot more work than hiring a credit repair company. There is also the question of experience and effectiveness. The top credit repair companies have been doing the same work for years and have a better grasp on credit laws and how the credit bureaus work, giving them the upper hand when it comes to repairing credit. That being said, if you put in the work, did your research on credit repair and how it works, and remained persistent, it could save you a lot of money in the end to repair your credit yourself.
"When you search the internet, you will find lots of companies offering credit repair training with testimonies. I'm not criticizing any other training program out there. My husband attended a seminar last year on credit repair and he said it was pretty exciting and good. He came back motivated because we wanted to be the best in the business. But strangely, I noticed that he came back sharing that we needed to purchase additional resources to be more professional and effective at the event: He told me that we need a special CRM program, affiliates among other things. Some of the sources were ok. Well, my sister joined the team this year in 2014 and decided to look at The Credit Consultants Association program for her training. That's when we both realized that we did not need all of the sources at the seminar to get results. Actually, we used CCA's advanced techniques and information that is always available in their helpdesk knowledgebase and it is ongoing. So we paid for that and became members. You will not be sold on anything else disguised to make your credit repair business look more professional. You will get pending changes of the industry from them too. We found that this is a people's business and they respond to results. If you get results and professional, they will spread the word about your company. You don't need to spend a lot of money to look professional. Yes, you need a website. If you spend all of your money trying to look good with expensive offices and programs, you will NOT be able to afford to give your clients the credit repair results they seek or stay in business. This was our mistake and we had to downsize this year. Start by building up your name as one who gets results for their clients. CCA will provide all of the knowledge needed at an extremely great cost. Software will help your business grow as it has helped ours, but we changed our software recently. You better learn how to control your software and not let it control you. One more thing, if you can afford to go to the seminar, go for motivation and see what else you can pick up. But you will need ongoing affordable sources like CCA. We will stick with CCA instead of paying for a seminar each year because it is much more affordable" - Rosa
Call your credit card companies and request a raise to your credit limits. Ask if they can raise your credit limit with a soft pull of your credit, since a hard inquiry will appear under the “New Credit” category of your FICO score. If you can negotiate an increase of your credit limit with a soft inquiry, then you will instantly decrease your revolving balance ratio (revolving balance divided by your credit card limits).
Isolating your financial needs on different credit-card accounts will help you get the best possible terms on every transaction that you make. For example, you could get the best cash-back credit card for everyday expenses, the best travel rewards card for airfare and hotel reservations, and the best balance-transfer card for reducing the cost of your existing debt.
Living with bad credit isn’t just a nuisance; it can impact every area of your life. If you’ve finally decided to take matters into your own hands and fix your credit problems, you’ve made a wise choice. Now you may be asking yourself where to begin. Luckily, these days there are a lot of options for proactive and hands-on folks who want to take back control of their financial lives.
×