The Credit Repair Company That Cares

One of the reasons why you would choose a credit repair company such as CreditUs would be the speed with which it can clean up your credit reports. CreditUs will update your credit reports every 37 days, four consecutive times. Another reason you should entrust your credit repair with us is our reliability. BBB (Better Business Bureau) stands to prove it. We believe in value offered to our customers. 99 per month for four months, starting 30 days after sign-up. 48 which will be paid directly to the Credit Bureaus. Learn more about our prices.

Some common negative aspects that are erased by the debt management company as a part of the best debt management program and service, can be enlisted as follows. Late Payment Records: One of the most common agreements that take place during the debt settlement process is that, in return of a very speedy repayment, creditors promise to exclude the record of earlier late payments. The exclusion of records of earlier late payments is very effective and also very helpful, as it drastically improves the credit rating of an individual or organization.

Exclusion of False or Irrelevant Records: Sometimes wrong or false information is found in credit reports. These negative records have caused some problems to consumers in the past. As a part of the debt management program, the debt management company often includes many different initiatives to rectify the data on the credit report. Issuing Credit Report Dispute Letters: A very difficult function that is performed by debt settlement companies is framing and issuing of a credit report dispute letter.

The experts from the field of credit facilities, examine the credit report and then frame a letter to the credit report company in order to rectify the credit report. One must note that in the past, there have been cases where the credit report dispute letter has led to legal battles in courts.

Berkietta Clifton and her family live in a cramped Hoover apartment. They have dreams of buying their own home. Those plans are gone for now after they say a bad experience with a credit repair company cost them hundreds of dollars. Clifton had some old student loan debt she needed to clear.

She tells us she saw an ad on Facebook for Bounceback Credit Repair Services. 800 dollars, she says she saw no movement in her credit score. The Better Business Bureau has ten similar complaints against Bounceback and has issued an alert to customers. The agency says it has gotten no response from the company which now has an F rating with the BBB. ABC3340 tried to track the business at three office locations.

Two managers said owner Tara Dailey did not pay her rent and had moved. We tried to reach the company through calls and facebook before getting an email response. ABC3340 News has heard from several other customers with similar claims to Clifton's. They say when they started asking questions they were blocked from the facebook page and Dailey would not respond.

They tell us they paid hundreds of dollars and there were no results improving their credit. The BBB says demands to pay advance fees from credit repair companies should be a red flag. Always have a signed contract with any guarantees in writing. You should also have the option to cancel within three days. Some have filed complaints with the Attorney General's office. Former employees also contacted our I-Team citing questionable practices. Bounceback's facebook page says the company has offices in Georgia as well. A name change to One Merit Solutions was also announced.

So your credit score is shot. And you need to borrow money, open a utilities account, get a job, or rent a home. If only you could repair your credit. Chances are you’re at your wits’ end and don’t know what to do. It feels unfair that your old defaults are holding you back.

Credit repair is possible (well, sometimes). But beware of the credit repair industry. Unfortunately businesses always arise to prey on human misery and credit repair agencies are one such genre. Their services to offer to wipe defaults from your record look impressive, but not everyone who uses them is happy.

1100, then found that the company couldn’t do what it promised. 2200 with no luck from these people,” another wrote. Of course there are also happy customers, who don’t mind spending a few thousand if they can clear black marks from their credit records. But beware: Credit repair companies come and go in New Zealand. MyCRA and WeFixCredit were companies that set up in New Zealand to do credit repair, but have since closed up shop. New Zealand has no specific rules for credit repair agencies.

However, under the Fair Trading Act, credit repair agencies must be truthful and not misleading about what they can and can’t do for their customers, the Ministry of Business Information and Employment says. They are also prohibited from misrepresenting the costs of their services. “The repair agencies can’t do anything more than an individual can,” says Credit Simple CEO David Scognamiglio.



“They make promises that they really can’t keep.” That’s because there really has to be something wrong for a default to be removed. The Credit Reporting Privacy Code says that if the entries on your file can be proven to be wrong they must be removed. “Everyone can request a copy of their credit report and dispute information directly with the credit bureaus,” says David.