The Credit Repair Specialist recognizes all current credit laws and offers a comprehensive, yet simple approach to improve credit ratings. The Credit Advisor is able to assist consumers in exercising their rights under the Fair Credit Reporting Act (FCRA), the Fair and Accurate Credit Transactions Act (FACTA), Fair Credit Billing Act (FCBA), Fair Debt Collection Practices Act (FDCPA) and the Consumer Protection Credit Act (CPCA).
The Credit Repair Specialist disputes inaccurate, obsolete, erroneous, incomplete and unverifiable information reported to the four major credit bureaus namely: Experian, Trans Union, Equifax and Innovis in order to help improve consumers' credit ratings. Under the (FCRA) consumers have the right to challenge information on their credit reports based upon the "completeness and accuracy" of all reported credit items. If, after a reinvestigation by the credit bureaus, the disputed item is found to be inaccurate or can no longer be verified, the credit bureau shall promptly delete such information. Consumers have the right to dispute any and all credit items that are not 100% accurate and complete.
Contact us and find out how you can legally and efficiently dispute bankruptcies, tax liens, bad debt, accounts in collection (whether charged off or paid), late payments and improve your credit score. All inquiries are confidential, and satisfaction is guaranteed. "The Federal Trade Commission" regulates credit repair companies under the "Credit Repair Organizations Act". The Credit Repair Specialist does not encourage and strongly opposes the use of illegal practices such as "file segregation", or the practice of obtaining new social security numbers and Federal Tax I.D. numbers in order to obtain a "clean" credit report.