We assist you to challenge the information you identify to us to be inaccurate, erroneous, incomplete, and/or unverifiable. BBB Accredited Businesses have agreed to adhere to the BBB Standards for Trust. Check BBB.org for credit and debt counselors near you, and turn on the filter to see only BBB Accredited Businesses.

Can I Manage Everything Online With Creditdiy?

This more aggressive intervention requests documentation to corroborate the information that they are reporting in your credit reports and proof of a creditor’s compliance with various consumer protection statutes. We will request that all of the creditors reporting inquiries on your credit reports provide proof of their permissible purpose for pulling your reports. If they have the proper authorization, the inquiry will stay, if they can’t verify their permissible purpose, the inquiry is deleted. Bad credit closes doors and limits consumers to obtaining financing through sub-prime means resulting in excessively high-interest rates and towering monthly payments.

What’s Included In My Credit Report?

Just verified results, real laws, and real credit transformations. Pinnacle Credit Repair offers fast credit repair with results often in 15 to 45 days. Timelines vary because only inaccurate, unverifiable, or inconsistent information can be legally removed under the Fair Credit Reporting Act (FCRA). Negative information, such as late payments, bankruptcies, and collections, remains on your credit report for 7-10 years depending on the type of information. The fastest way to repair your credit is by paying off any outstanding revolving debt as soon as possible.

We don’t just remove negative items; we empower you with strategies to pay down debt, build positive credit, and understand the key factors that impact your financial health. Our comprehensive service ensures you’re equipped to tackle every aspect of your credit repair journey. Although there are legitimate credit report companies, the industry has a history of fraudulent business practices. For example, the Federal Trade Commission lodged a complaint in 2022 against a Texas-based credit repair company that allegedly charged consumers illegal $1,500 advance fees for services.

Resolving our clients’ challenges and providing them with the stepping stones necessary for realizing their goals is the pulse that keeps our company beating. From debt settlement to loan consolidation to charge offs, The Phenix Group is ready to help you improve your credit and lifestyle today. According to Experian, the average debt per consumer in Dallas, TX is nearly $30,000, placing local residents among the most indebted in major metro areas across the United States.

While you have the right to dispute any inaccurate information on your credit report, you cannot remove any accurately reported negative information yourself. Before discussing how you can fix your credit score, you must understand how credit scoring models like FICO and VantageScore arrive at your credit score. Knowing how credit scores are calculated allows us to target specific areas and drop certain practices that aren’t helpful. After gathering all the necessary reports, our evaluation will determine what steps we need to take to correct your report and fix your bad credit score. If creditrepair ’re struggling with debt, consider contacting a reputable credit counseling organization instead of going to a credit repair firm.

Disputing errors is the most crucial and often most time-consuming part of DIY credit repair. This involves writing to each credit bureau individually, explaining the error clearly and concisely, and including copies of supporting documentation (keep the originals for yourself). You don’t need fancy tools or a credit repair company to fix your credit. You can build credit by using your credit card and paying on time, every time.