Credit Repair Process

Our Firm Uses the Law to Your Advantage

Despite the advantages the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) offer to consumers, the credit reporting system is still deeply flawed and impacts consumers most of all. However, you have rights. For instance, the FCRA allows you to dispute each item on your credit report. MyCreditRepairSpecialists.com uses that law to discover inaccuracies in the reporting on your credit score and efficiently remove those items. We’ve streamlined the credit repair process for Austin, TX customers, enabling them to monitor our process via our online portal and keep in touch with our experts. Our process is actually quite simple. First, we’ll ask you to order your credit reports and scores from the three major bureaus through one of our partner services. From there we formulate an attack plan and write legal letters about each item on your credit score to each bureau. If the bureaus are unable to prove the inaccurate, untimely, on unverifiable tradeline or account, it is permanently removed from your credit reports.

Stay Patient: The Credit Repair Process Takes Time

The first thing you need to know is this process can take time. In some cases, we’ll be able to finish in a month, but more complicated scenarios require up to six months. We know what we’re doing, and our secure client portal exists to keep you up-to-date on the status of your case. However, you can help us by doing a few things for us. These tasks will help speed up the process and make things easier for us:

Stop applying for new lines of credit

That means don’t apply for any new loans. If you need a car, try to get away without one until the process is over, as a car loan could hurt your score.

Don’t close old accounts

Go ahead and keep these open for the time being. Closing them will hurt your score, so it’s best to wait.

Pay down your credit card bill

Pay the bill to at least 25 percent of the credit line or available credit. From there, be sure to never spend more than 25 percent of the credit line or available credit.

Open all your mail

As we send mail to the credit bureaus, creditors and collection agencies, you’ll receive responses. We need you to open your mail immediately and send us their replies.

We Use Innovative Tactics to Clear Up Your Credit Report

Our President, CEO, and Chief Paralegal, Joseph Horton, specializes in helping his clients establish better lines of credit, enabling them to buy homes, cars, and experience life free of calls from collections agencies. MyCreditRepairSpecialists.com uses Mr. Horton’s knowledge of the Federal Fair Credit Reporting Act to efficiently remove unverifiable information from consumer credit reports. To learn more, contact us today.