We Handle Debts

Joe answers:

You don’t need a software TO REPAIR your credit.

Sorry, that’s another propaganda for the DUMB CONSUMERS to make money.

Joe answers:

Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – credit-report-free.totalh.com

Joe answers:

Credit Repair is based on reviewing the items that are reporting on your credit report, and seeing if they comply with various state and federal laws, including but not limited to the FCRA, FACTA, FDCPA, HIPAA, SSCRA. A professional credit consultant will guide you through the intense process of battling the credit reporting agency’s to prove their compliance with the law. I suggest you contact a law firm to work on any items of concern. All items that are reporting on your credit file must be reporting 100% accurate information that is reporting within the legally allowable time frames, that is also VERIFIABLE. Often items that are appearing are not verifiable, or 100% accurate, therefore by law they must be corrected or removed. Items that are in fact yours however, are reporting incorrect info can have a significant negative impact on your score therefore you should battle to have the information corrected or removed.

Keep in mind, whether you choose a law firm or credit specialist all of the work they will do will be work that you can do on your own. However their experience and expertise is likely to get things done alot faster than you would on your own. Compare it to doing your own mechanical work on your car- you can do that BUT a mechanic will get the job done more efficiently (most of the time)

Most importantly if you decide to hire an expert, don’t pay any fees in advance. Credit repair IS legal, and is governed by the FTC through the Credit Repair Organizations Act, commonly known as CROA. Contained within CROA is a section which states, that no credit repair organization may charge for a service before the service has been completed.

In reference to software. Software would be a tool for you to manage the process, and is likely a helpful tool BUT no software will know what is incorrect, or be able to interpret the law. Credit Repair Software will be useful to track and manage your progress, and assist in expediting the letter creation process.

I hope this was helpful to you!