The federal Fair Credit Reporting Act (FCRA) ensures and promotes the accuracy, fairness, and privacy of information in the records of consumer reporting agencies. There are several types of consumer reporting agencies, including credit bureaus and specialty agencies (including agencies that sell information about payment history, amount of payments, medical records, work and rental history records). Here is the entire FCRA.
We are open from 9am - 9pm Eastern Standard time Monday – Friday. We are closed on weekends and holidays.
Having our experts on your side while you’re going through a bankruptcy can almost be the best thing for you. Most lawyers don’t advise their clients properly of the challenges they will face after they file for bankruptcy. A bankruptcy can stay on your credit report for 7-10 years. Most lenders and banks won’t allow you to be approved for a mortgage until the bankruptcy is discharged for at least 3 years. One of the best things you can do before or during a bankruptcy is to establish new credit. You can establish new credit during and before while your credit will still allow you to get approved or little money down. Normally your credit takes a hit during the bankruptcy and most creditors don’t extend credit during that period. Come to the experts we can help.
A+ Credit Repair and Consultation have years of experience working with student loan companies. Our services not only help you get back on track but in most cases allow you to enter in a rehabilitation program and get a fresh start. We also review your report to see if you may qualify for student loan forgiveness as well.
We offer several credit repair packages for all budgets depending on your situation. We have packages for 12 months of service so our members can budget their repair and know there are no other fee’s associated or required. But we also provide a credit repair package with the freedom and flexibility of a month to month plan for $95.95 per month.
Our members choose us because we are not the typical credit repair company. We are a lifestyle company that specializes in credit repair. Most credit repair companies promise to remove and delete negative and inaccurate information off your credit report. That is not true credit repair, you can write a letter to the credit bureaus yourself in fact to dispute negative information off your credit report. Most people are not aware if the credit repair company did not use legal or correct methods for the removals and also don’t help you settle that debt it can reappear on your credit reports months later or even once its purchased by another creditor. Don’t be fooled by these pay as you go companies that drag you on forever and don’t really help you. We pride ourselves to not only help your remove inaccurate information off your credit reports but we also help you obtain new credit and settle your debt anywhere from 20%-60% less than what you owe. We also educate you how credit is used and scored so you can maintain your credit health after your repair is done. Get the real help you deserve.
A+ Credit Repair and Consultation provides service to the entire United States, United Kingdom, and Canada. We are based out of New York City but our credit experts are available by phone or email during work hours to all of our service areas.
A credit bureau is an agency that collects and sometimes sells information about the creditworthiness of individuals. A credit bureau does not make any decisions about whether a specific consumer should be extended credit or not. However, it does collect information that it considers relevant to a person's credit habits and history, and uses this information to assign a credit score to indicate how creditworthy a person is. When a creditor approaches a credit reporting agency to inquire about a particular person, they are sold a credit report which contains all the information relevant to the person and the credit score calculated by the agency. The 3 main credit bureaus in America is Transunion, Equifax and Experian. The 4th unofficial bureau is Innovis Data Solutions.
This varies from member to member. Most members see increases in their credit scores within the first 30-45 days. The credit bureaus by law have 30 days to investigate our disputes on your behalf and provide results. Most results are provided within the first 14-21 days.
The time of repair for everyone is different. Every repair is unique to the individual situation. When we conduct your initial consultation we will advise the time frame it will take to get you to your desired score and results.
A+ Credit Repair and Consultation works with your creditors to settle your debt anywhere from 20%-60% less than what you owe. But before we settle any debt we request validation to make sure you legally owe that debt and it’s not over the statute of limitations. We make sure we protect your rights while we help you become debt free.
A credit score is a numeric value used by lenders/creditors as an indicator of how likely you are to repay your loans or obligations. Your credit score is generated by a mathematical formula utilizing the data from your TransUnion, Equifax and Experian credit bureaus based on your payment history, outstanding debt, length of credit history, the amount of credit used compared to the amount of credit available and severity and frequency of derogatory credit information such as bankruptcies, charge-offs, judgments, and collections. Lenders have been using credit scores as part of the lending decision for over 20 years.
If you are looking to buy a home or get pre-approved, we can...
If you are looking to settle your debts 20-60% less than what you...
Find out how we can increase your credit score in 90...
See what other members had to say about our services.