What to Expect
Our effective Credit Repair Service uses proven techniques that have been developed through years of trial and error; it is the most comprehensive and complete service available anywhere! We rely on our extensive knowledge of the Fair Credit Reporting Act and the Fair Debt Collections Practice Act, along with years of experience to remove negative, inaccurate, unverifiable and incomplete information from your credit reports. We realize that sounds to good to be true, but it isn't. We have had great success helping people with all kinds of credit problems. These people have been able to qualify for new mortgages, new car loans, and meet their family's credit needs.
What We Do and How We Are Different!
The Federal Trade Commission and Consumer Credit Protection Act have enacted hundreds of regulations that credit reporting companies, collection agencies must comply with in order for any reported item to remain on your report. When Freedom Restoration Credit Services, Inc. receives your file, a skilled credit analyst reviews your reports to determine which items can be challenged that when removed will result in an improved credit score. Freedom Restoration Credit Services, Inc. then challenges derogatory items, with a letter demanding the reporting company prove that they are in compliance with the laws and regulations and remove the challenged item. This process is repeated with each of the three major reporting agencies. When this process is complete, a report is sent to the client detailing the steps that have been taken.
Within 45 days, the credit bureaus must respond with a verification or deletion summary that shows the results of each challenge made. Overall average success rate is between 85% and 95% of unverifiable derogatory items removed. Best of all, the items that tend to be removed first are those that do the most harm to your credit, such as bankruptcies, tax liens, judgments, charge-offs, repossessions and student loans. While the full process takes up to four months. Many clients see enough improvement their score to allow them to qualify for a mortgage or low interest car loan in as little as 45 days.
How Will I Get Updates on My File?
New credit reports with a summary of the investigation will arrive first at your home for review. Then you will mail the results to us at:
PO Box 2977, Cedar Hill Texas 75106 .
When we accomplish deletions and improvements, you will see them first on your credit report. We ask that you follow the instructions that you will receive from us and mail all correspondences from the credit reporting agencies to our offices so that we can maintain contact with each other during the credit restoration process.
Programs like our Credit Repair Service have helped countless people restore their credit and raise their Scores. You can spend less money trying to repair your credit, but that old saying is still true: "You get what you pay for!" Plus, if you plan to buy anything on credit in the future, we can help you save thousands of dollars in interest by raising your credit scores.
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Client Security
Freedom Restoration Credit Services, Inc. is committed to keeping your information private and secure. We have implemented several procedures to make sure this promise is kept.
