“Credit Repair USA” provides a number of services that could help you get the kind of credit repair you need. “USA Credit contains highly trained dispute managers and attorneys who can work with you step-by-step on how to enhance your credit by examining your credit report from the largest credit-reporting agency (Equifax, Experian and TransUnion) and assisting you to eliminate the various negative marks associated with your credit history.” (fair credit reporting act) Your credit score is important since it determines your financial potential; a low credit score means that you will be able to have a difficult time getting a loan and will therefore be charged a higher interest rate than people with better credit ratings.
Credit Repair USA states that it does not charge any fee for its services. It has partnered with the major credit bureaus to provide you with the information you need to improve your credit. These are the credit bureaus whose information you will receive: Equifax Inc., Experian Inc., and Trans Union. You will have access to their monthly reports on payday loans, installment loans, credit inquiries, collections, judgments, bankruptcies and foreclosures as well as your credit scores.
Another thing you should know about Credit Repair USA is that it is not affiliated with any one particular credit repair organization. The information provided by the credit repair organizations mentioned above is considered to be the most current and relevant. The credit repair organizations maintain their websites to ensure that their subscribers always get the latest updates. In fact, the updates from Credit Repair USA are available on their website only for paid members.
There are a number of websites which claim that they can help you fix your poor credit scores. However, if you take the help of professionals, you should be able to get all the information that you require. You can approach the Better Business Bureau or the three main credit repair companies work for free. They will guide you through the process of fixing your credit reports and dispute issues. If you take the help of professionals, you can easily fix your poor credit scores.
Credit Repair USA offers many services to its subscribers apart from fixing credit reports. They offer services like pay per delete (pay per deletion), dispute settlement, disputing bad reports, budgeting, debt consolidation, prepaid cards, identity theft protection and other related services. However, before approaching a credit repair company or Credit Repair USA, you should know how the system works. Once you know the basic process involved, you can fix your own credit reports at home.
You can send a dispute letter to every one the credit reporting agencies stating that the information contained in the report is incorrect. If the agency agrees to your request, then it will remove the disputed item from your credit report. However, before sending a dispute letter, you should know how to repair your credit report. Most people are unaware of how to repair their credit report. This is why most people pay the one-time initial fee to a credit repair company. They later realize that they have spent money without any benefit.
However, there is no need to pay a single penny if you fix your own credit. All you need to do is follow the instructions mentioned on Credit Repair USA website. Once you fix your own credit, you do not need to pay a single penny to anyone else. There are many credit repair companies which claim to be experts and expert advisors. But, all they do is get your money for nothing. The only thing you gain by hiring a credit repair company is time.
Credit Repair USA website also offers an affiliate program for its members. The program allows one-time fees from its members to be paid to Credit Repair USA. The one-time initial fee entitles the user to one-time consultation for repairing his/her credit history. The monthly fee entitles the user to receive a monthly online consultation for repairing his/her credit. A complete refund is received if the user is not able to fix his/her credit successfully.