It all depends. There are no two credit reports that are exactly the same. This means that improvements we make on one person’s credit may or may not improve the score as much as another’s. The “average”, we’ve found, never applies. We’ve seen scores go up 200+ points, and others just get the 20 point boost [...]
A better question would most likely be “what item cannot be removed”. We can remove everything you can imagine. Here is a list of some: Late Payments Charge Offs Foreclosures Judgments Repossessions Personal Identification changed or corrected Closed Accounts Bankruptcies Negative Settlements Liens Collection
The Fair Credit Reporting Act (FCRA) was written in 1970 as an amendment to the Consumer Credit Protection Act. The FCRA provides additional measures of consumer protection in the areas of fairness, accuracy, and privacy of the information collected by the credit bureaus. It also allows you to personally engage in credit repair and maintenance processes, [...]
Yes. You have the legal right to work out your credit disputes with the credit agencies and credit grantors yourself. Given experience and study, you could do much of what our staff does. It is similar to your right as a citizen to represent yourself in court. When making the decision to repair your own credit [...]
Each situation is unique and so is the timeframe required to repair your credit. The majority of our customers see results within the first 45-60 days. AAA Credit Today works on your credit on a month by month basis until you are satisfied with the improvement in your credit. Our goal is to improve both your [...]
Easy! Every time you receive updated credit reports throughout your service you will see items that have been changed, updated, or removed. If an item is changed or updated, it generally means that a positive improvement with that account (such as a late history) has been made. If an account was removed all together from your [...]
Because you are ultimately responsible for ensuring that your credit report is accurate, laws were enacted — specifically the Fair Credit Reporting Act (FCRA) to assist you. The FCRA gives you the right to contact the credit bureaus directly to dispute items on your credit reports. You can dispute any and all items that are inaccurate, [...]
It’s a pretty normal question to ask: how long is this going to take? The honest answer is that it depends — on your goals, your situation and how much work you need done. AAA Credit Today, looks at you as an individual and build your own personal Game Plan accordingly. Your Game Plan focuses on [...]