Fixing Your Credit Report With Credit Repair Services

Having good credit is beneficial for many aspects of life. One of the major events it affects is being able to get a loan and the interest rates you will be charged on this loan. Credit scores can also affect an employer’s hiring decision and a landlord’s approval for being able to rent an apartment or other living space.
Having a credit repair firm do the tedious work of repairing your credit has a lot of benefits. Some of those benefits include:

  • Time
    • It can take a lot of time to work on repairing credit. There are different laws and communications that are leveraged for each questionable item on your credit report. Using a repair service to fix your credit means you do not have to take the time to complete all the steps of challenging items, gathering needed information, drafting letters, following up, and the many other steps involved.
  • Understanding Laws
    • Services that help you fix your credit scores understand and have full knowledge of laws that allow their clients to get the credit they deserve. These professionals can leverage these laws in your favor.
  • Reduce Your Costs
    • When a firm repairs your credit score, you may actually have to borrow less money for purchasing a new car or home. With a good credit score, the internet rates can be lower and thus lower the amount you will have to ask for on a loan.

How Credit Repair Services Improve Your Credit Score

A credit repair company such as Country Credit Club begins the process of repairing your credit by obtaining a copy of your credit report. This report is available through three of the major consumer credit bureaus:

  •  Experian
  • TransUnion
  •  Equifax

Your credit report is reviewed to determine if there are any derogatory marks listed such as:

  • Bankruptcies
    • Bankruptcy can remain on your credit report for ten years. Having this mark on your credit report can make it difficult to receive new credit. 
  • Tax liens
    • If you do not pay your federal income taxes, the IRS has the recourse of indicating there is a tax lien on your property in your credit report. 
  • Charge offs
    • If you miss too many payments on money owed, your account can go listed as ‘unpaid.’ This listing shows on your report as a ‘charge-off’, which shows you have unpaid obligations that a company has stopped trying to collect.

The repair company or firm will then put a plan into place to dispute and negotiate to have these marks removed. This process is done by requesting the information to be validated, drafting letters to dispute negative marks, or sending cease-and-desist letters to debt collectors.

  • A cease and desist letter is an order to stop suspicious or illegal activities. If there is activity on your credit report which looks suspicious, the credit service can issue this letter to the listed creditor to remove the action from your report.   

There are times information will appear on a credit report that cannot be substantiated. When this occurs, the credit repair firm can ask for it to be removed, and follow up that it is not later reinstated. Other errors that can appear on your credit report include:

  • Accounts that are not yours
  • Debts that cannot be verified or validated
  • Misspellings can mix up negative marks that actually belong to someone else
  • Negative marks that are outdated and should be removed

All of these errors can be argued on your behalf by the repair firm so these negative marks are removed, and your credit score improves. 

 

Who to Contact for Credit Report Repair

Country Credit Club is more than just a credit repair company. We are here to not only help fix your credit scores and put you on the right financial path, but we can also help you plan a future with the right financial solutions for you and your family’s growth. 

Concierge Services

What is Country Credit Club? 

Country: we cover Medical/Dental procedures from the USA, Mexico, Dominican Republic, Colombia over 200 surgeons and dentists. 


Credit: we have the ability to Finance your procedure and even help you get ready for the financing if need be.

 

Your Club: gets you access to over 60 locations in the USA, Mexico, Dominican Republic, Colombia 
Not just a company but a club in which as a member you get what you ask for!   

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Concierge Services

What is Country Credit Club? 

Country: we cover Medical/Dental procedures from the USA, Mexico, Dominican Republic, Colombia over 200 surgeons and dentists. 


Credit: we have the ability to Finance your procedure and even help you get ready for the financing if need be.


Your Club: gets you access to over 60 locations in the USA, Mexico, Dominican Republic, Colombia 
Not just a company but a club in which as a member you get what you ask for!   

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