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Home 2018-01-05T17:48:08+00:00

CREDIT REPAIR FOR DAMAGED CREDIT

If you’ve ever had to wait for days while a mortgage broker submits your application to lenders and finally gives you the dreaded call to inform you that your score is not high enough to qualify, or that you’re going to need more down-payment money because you are a riskier borrower, then you know how important a credit rating can be.

How about when a car dealer runs your credit report and you wait for hours while they “work with the bank” only to find out that you only qualify for a loan with a high interest rate that doubles your budgeted payment. Not only is this embarrassing, it can be financially devastating.

Stories like these are not uncommon across America. As a nation, we have recently endured one of the most severe recessions since the 1930s. Many of our citizens fell victim to an economy that was booming, and virtually overnight went completely bust. Homes were foreclosed, credit cards cancelled, cars and trucks repossessed, and bankruptcies were routinely filed.

All of this misfortune was beyond the control of ordinary folks, but they fell victim to it nonetheless. On the other side of the spectrum there were the reporting agencies that were responsible for the record keeping in the midst of the chaos. Needless to say, mistakes were made. Numbers were transposed, addresses were incorrectly reported, late payments were exaggerated, etc.

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Average US Credit Score

CREDIT REPAIR PROCESS

This is where All American Credit Repair comes in. We are ready to:

ALL MAJOR CREDIT BUREAUS

We ensure the removal of derogatory entries from the creditor and the credit bureaus

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HOW WE GET STARTED

When you sign up, we begin by running your 3 credit reports. We pull all three because some agencies have differing data in their reports. These reports can sometimes be a bit confusing, so we bring order to it in a way that helps you pinpoint the items you want to challenge, change, or remove. Sometimes when we go through the evaluation process, we come to the realization that you will be able to handle your credit repair on your own without our assistance. If we do feel that we should move forward, we will cater a plan to fit your personal goals and needs.

THE DISPUTE PROCESS

This is where it is so important to have our experience on your side. We deal directly with the credit companies and insist that they uphold their lawful obligations as it applies to your individual circumstances. After that, we correspond with all of the credit bureaus to ensure that the appropriate changes have actually occurred. We know how this works – and we know how to use the rules to watch out for you.

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