Your credit score is a number that banks and other financial institutions use to gauge the level of risk they assume if they lend you money. FICO credit scores can range from 300 to 850. The higher the number, the lower the perceived risk.720-850 EXCELLENT
- 700-719 VERY GOOD
- 675-699 GOOD
- 620-674 AVERAGE
- 560-619 POOR
- 500-559 VERY POOR
$100.00 Monthly
- Credit Education
- 3 Bureau Audit-Analysis
- 24/7 Client Portal Access
- Unlimited Customer Service Support
- One-on-one Monthly Updates
- Secret Credit Building Tips
Is Credit Repair legal?
Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed.
Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore, most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at.
In addition to starting the credit dispute process with you, what can I do to help raise my credit score?
Pay all of your bills on time, every time. This includes your utility bills, mortgage and auto payments, and all of your revolving lines of credit like credit cards. Check your credit report at least once a year. You can find out how to challenge bad information on your credit report here. • Never charge more than 20% of the available balance on any of your credit cards. Banks like to see a nice record of on-time payments, and several credit cards that are not maxed-out. If you are carrying high balances on your credit cards, then make paying them down below 20% a priority. Do use your credit cards – Many people who make mistakes with their credit believe that the best way to fix things is to never use credit again. If you are afraid that you cannot handle your credit cards correctly then the best policy is probably this one: Run only your utility bills on your credit cards each month, and then pay the balance in full by the due date. This ensures that your utility bills get paid on time automatically, and as long as you keep the habit of paying off your credit card balance each month your score will continue to go up. Leave the credit cards locked in a safe or drawer at home.
How long does the process take?
Credit repair is not an overnight process, but done correctly, it can possibly change your life. There is no specific time frame. Clients have graduated the program in 30 days, others 12 months.
What can be disputed
LATE PAYMENTS,CHARGE OFFS,BANKRUPTCY,MEDICAL BILLS,COLLECTIONS, FORECLOSURES, TAX LIENS, STUDENT LOANS, INQUIRIES, CREDIT ERRORS, AND MORE!
Cancellation Policy:
Services are provided on a month-to- month basis and clients may cancel their service at any time at least (3) three days in advance of any upcoming recurring payment. When cancelled according to these terms, the upcoming recurring payment will constitute the final payment due for services rendered. All services are billed in arrears
If you have any further questions please feel free to contact us by email or phone 8am-5pm Monday-Friday, 12pm-5pm Saturday-Sunday CST | Email: info@infinitytaxla.org | Phone: (504) 383-0405
