Why Credit Repair IS Worth it!

If you’re struggling with your credit score, you’re not alone! Many people struggle with managing their credit and credit score, because the fast-paced world we live in is increasingly complex.

Making steps towards improving your credit score will lead to better access to loans, more attractive interest rates, and unwavering confidence when a bank, a car company, or any other lending institution asks to review your credit report.

Fixing a severely impacted credit score is not an easy job, nor is it an overnight project, despite what you might have seen from fly-by-night companies online who’ve promised to instantly wipe clean your credit history.

There is no quick fix to an ugly credit score. The time it takes to repair your credit is completely dependent upon your unique, personal situation and the variables that led to your low credit score. Depending on the seriousness of these factors and how severely they impacted your credit, it can take anywhere from several months, to many years to fix credit. One or two late payments can be rectified more quickly and easily than 10 consecutive months of late payments, or a bankruptcy filing, for instance.

If you need credit repair, talk to USA Credit Repair! We work with you to:

Help you understand the factors that affect your credit score.
We’ll educate you on the various components that the three credit reporting agencies — Equifax, Experian, and TransUnion — use to calculate your credit score. The top factors are payment history and credit utilization.

Review your credit reports to help you identify items that you want to challenge or change.
This strategy allows us to focus our efforts and get started as quickly as possible to fix your credit. With your involvement, the process can begin and progress in the most efficient and effective manner.

Challenge any items we find from individual creditors and/or the credit bureaus.
We interact with creditors directly to help resolve problems on your report quickly. As the only credit repair agency with a direct relationship with all three bureaus, we also communicate with the credit bureaus to ensure that all changes are quickly reflected on your credit report. Creditor and credit bureau cooperation is imperative to timely credit repair. We also understand consumer protection laws and the time regulations they carry. We’ll represent you with information and legal knowledge on our side.

Change your perspective by confronting your credit score issues.
While there is no miracle “credit fix,” we at www.usacreditrepairinc.com understand that you’re looking for a quick solution to credit repair. Helping you to correct and improve your credit report and credit score is our end goal. The good news is that when negative items are challenged and removed, credit scores almost always improve.