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Credit Repair Resources
Credit Repair Programs

Best Methods for Credit Restoration
First Time Home Buyers Credit Repair
Repairing Your Credit
Limited or No Credit Loans
Converting More Loan Apps
Credit Shopping Hurt Fico Scores?
Establishing a Credit Line
Raising Credit Scores
Repairing Bad Credit

Good Reads:
How to Get Mortgages with Bad Credit
When to Refinance Your Home

Improving Credit Score
 
First, get your credit report from each of the three credit bureaus. Under federal law, you are allowed to get your credit report for all three bureaus annually for free.

Go to www.annualcreditreport.com, or contact the credit bureaus directly and order your reports:

Derogatory accounts are damaging to your FICO credit scores. The types of derogatory information that can appear on your credit reports are listed below in order of descending importance with the first item being the "most damaging" to your credit.

Disputing old negatives, inquiries and other inaccurate or unverifiable information - these include:

  • Late payments, charge-offs, collections or other negative items that aren't yours.
  • Credit limits reported as lower than they actually are.
  • Accounts listed as "settled," "paid derogatory," "paid charge-off" or anything other than "current" or "paid as agreed" if you paid on time and in full.
  • Accounts that are still listed as unpaid, which were included in a bankruptcy.
  • Negative items older than seven years (10 in the case of bankruptcy) that should have automatically fallen off your report.
  • Inquiries over 2 years old.

Your credit report includes information about your financial habits, including what credit or loan accounts you have, how much you owe, and if you've been paying on time.

Credit Repair Analysts was founded eight years ago with a mission to make credit repair and debt relief more accessible for consumers online. We are a credit repair company with a focus on increasing your FICO scores from Tran Union, Experian and Equifax. We started by automating the credit repair process without losing the effectiveness. Credit Repair Analysts provide credit restoration solutions for rebuilding your credit. Our company is committed to repairing bad credit quickly and efficiently. The Credit Repair Analysts have repaired thousands of consumers across the country over the years. We have experience with amending credit reports, writing credit letters credit and helping Americans settle their debt. Repairing your credit profile is one of the most important financial decisions you can make.

The Federal Trade Commission (FTC) says that inaccurate credit reports are the number-one source of consumer complaints, and that it is quite common for problems to take six or more months to be resolved. These mistakes are what can disqualify an otherwise qualified borrower or give them a AU Refer Eligible rating that would require extra steps in order for the borrower to potentially qualify for the loan. This is why lenders need credit repair to get their clients qualified.

Credit Repair Helps First Time Home Buyers - A credit score is a number that lenders use to estimate risk. Experience has shown them that borrowers with higher credit scores are less likely to default on a loan. Scores are generated by plugging the data from your credit report into software that analyzes it and outputs a number between 350 and 850. The resulting number is called a FICO score because the current credit scoring system was created by Fair Isaac Corporation (FICO). You have a FICO score with each of the three credit bureaus (Experian, Equifax and Trans Union). These agencies don't necessarily use the same scoring software, so your three credit scores. If you are considering a new home loan, we recommend, FHA Home Loan Company, because of their customer service, low rates and experience with government loans

Whatís in a Credit Score Number? - Your FICO credit scores affect practically every aspect of your life. They can determine if youíll get a job, insurance and even a place to live. If youíre a looking to purchase a house, these scores will determine whether or not you qualify for the mortgage loan and how much interest you will pay if you do qualify. A 700 FICO is considered excellent credit by lenders. A 600 FICO is considered fair credit by most lenders. Credit scores under 580 will have more restrictions. If your score is too low, you won't qualify for the loan.

The problem is: credit reports are not always accurate. As a result of the shocking number of errors on peopleís credit reports, there are two acts, the FCRA (Fair Credit Reporting Act) which was recently revised into the Fair and Accurate Credit Transactions Act (FACT Act), and the FDCPA (Fair Debts Collections Practices Act). These two acts were set up to protect your credit rights and hold the creditors and credit bureaus legal responsible for accurately reporting your credit information. They have to back up and prove every claim against your credit.

Section 623 of the Fair Credit Reporting Act allows consumers to dispute a negative listing directly with the company reporting it on their credit reports. Through this law, you can have inaccurate and outdated information removed from your credit record permanently. This is called credit repair, and itís legal. Mortgage lenders need credit repair to get their homebuyers qualified. The removal of inaccurate or outdated information on your credit report will raise your credit score. If you are a mortgage broker or lender looking for aged mortgage leads, get started now.