There are two acts that were created to protect your credit rights, the Fair Credit Reporting Act (FCRA) which works together in many ways with the Fair and Accurate Credit Transactions Act (FACT Act), and the Fair Debts Collections Practices Act (FDCPA). Sound like legal stuff? Well they're simple to understand--so don't worry. They hold the credit reporting agencies and your creditors responsible--legally. This means every questionable claim made against your credit has to be proven--which is a beautiful thing.
Anyone can get a copy of their credit reports because of those two acts. They'll charge you a small fee to get them, but we need to see your reports in order to fix the problems. Once we have a copy of your credit reports we'll go through the negative errors (i.e. late payments, outdated or inaccurate information, judgments, collections) and work to correct or delete as many of them legally removed as possible. All the things that lenders, credit card companies, auto dealers, and so on look at when they decide whether to give you that car, credit card, interest rate, or home loan you want.
The bottom line is this: Anything on your credit report that contains inaccurate and negative information is corrected or removed, and confirmation is sent directly to you. We'll go through the credit bureaus right to the original creditor who placed the negative item on your report if necessary to remove it. After that, new copies of your credit reports are sent to you listing the improvements to your credit.
Do you want to get approved for a loan or save money by paying less interest? Do you want to improve your credit and raise your score? It's simple... The moment we start, that's the moment your credit starts getting better. That's the moment you get what you want.
I worked with Vitesse Financial for over 6 months having them help "clean up" the silly little marks that the credit companies leave behind and don't fix. I not only saw things just fall off my report, but my credit score went up over 100! For the price per month it is very worth the service.
-Jennifer, North Carolina
Your results will vary.
For more information on how Vitesse Financial has helped other customers in your area
call toll free 866.407.9110.