Bad Credit Score, Disputing Your Credit Report, Credit Report Correction Services, Remove Negative Credit Items

Home >> Bad Credit Score

Q: How does a bad credit score affect me?
A: A great interest rate on a home, car, or credit cards which can equal thousands and thousands of dollars! Any amount of bad credit is devastating to your chances for credit approval. In fact, most credit grantors never personally look at your credit report. It's an automated process in which a computer decides whether you're approved or denied. The slightest amount of negative credit can be cause for denial, or escalated interest rates. A clean credit report is a must for all people of all ages.

Q: How can Correctivecredit.com do this legally?
A: Disputing your credit report is your right (see the Fair Credit Reporting Act). Disputing your credit profile is as legal as pleading "not guilty" in a court of law. We have developed a system that has been proven to be effective and follows all regulations of the US government.

Q: How long before the credit bureaus will remove negative items from my credit reports?
A: There is no definitive answer, as the time varies depending on the initial credit status of each customer. However we have seen results in as soon as 30 days depending on the credit cycle. Using Correctivecredit.com eliminates the time invested in learning credit laws and drafting correspondence for the paper chase with the credit bureaus. It frees you from crafting carefully worded correspondence and following each dispute and managing the bureaus and creditors stall tactics.

Q: How long does negative information remain on my report?
A: Credit bureaus report credit information for a period of seven years. Some states have special provisions for collections and paid liens. Chapter 7 and Chapter 11 bankruptcies are each reported for 10 years, and Chapter 13 bankruptcy is reported for 10 years, measured from the date of the filing.

Q: If I pay off my delinquent accounts, will it improve my credit?
A: Despite paying your delinquent accounts the credit reporting system will keep the delinquent record. We always recommend paying your bills. When you pay an old debt, the negative credit listing doesn't disappear. In fact, the seven year clock delinquency reactivates when you pay.

Q: Why should I use CorrectiveCredit.com?
A: We know what works and how to get to the creditors! We have a proven system that has been tried and tested by hundreds of satisfied clients. If you decide to use us, you can be assured that you will be receiving the best assistance and service possible by professionals who know the credit business.

Q: What if deleted items reappear on my credit report?
A: On occasion, a negative listing that was recently deleted will eventually be verified by the creditor. The Fair Credit Reporting Act requires that the credit bureau inform you of reinstatement of a previously deleted listing. The FCRA also makes it more difficult for credit bureaus to re-report listings. Because of these factors, it is fairly rare for listings to come back on your credit history once they've been deleted.

If an item is re-reported, that the credit bureaus initially removed, we will re-dispute it for you, at no extra charge. It is a very simple matter to challenge the listing again at a future time in order to press for permanent deletion.

Q: Do I need to see my credit reports first?
A: No, most people visit this website after they have been denied credit. Most don't even know the specific nature of the negative listings appearing on their credit report. It is not necessary to know exactly what is appearing on the credit report before we begin work. It is only necessary to know that there is a credit history problem which needs to be addressed. The average consumer has a minimum of 15-20 items that can be disputed that have an affect on credit scores.

An amazing fact about bad credit, is that almost any small amount of bad credit will trigger universal credit denial. A little bad credit isn't much better than a ton. So, even if you believe that there are only a couple of negative listings on your credit report, it still makes sense to hire Correctivecredit.com. If your credit comes back all positive, of course we would refund your money.

Q: Should I apply for credit cards or other loans while Correctivecredit.com is disputing items?
A: You are able to apply for credit cards while disputing your credit reports, but you should take care to make sure that you do indeed get approved for any credit you request. Remember, even mere inquiries from prospective lenders can be treated as negative credit data. Find out what the lending institution's criteria is for granting the credit card or loan you want before submitting the application, and make sure that you fit and meet their criteria. If not, you SHOULD NOT apply, as it will only add negative credit information to your credit history.

Q: Does this credit repair require me to get a new ID, or Social Security Number?
A: No, we never would ask anyone to get a new ID, or a new Social Security Number, EVER. Be aware of this procedure and it is ILLEGAL.