Disclaimer: TurboDispute has no affiliation with the credit bureaus. TurboDispute LLC is not a Credit Repair Organization and does not provide credit repair services or financial or legal advice. TurboDispute’s intended use is to help you automate the time-consuming process of creating dispute letters to help you communicate with credit bureaus, original creditors, collection agencies, chexsystems, telecheck and provide you with educational materials. You may use the software to challenge credit items identified as inaccurate, misleading, or unverifiable, but no consumer has the right to have accurate, current, and verifiable information removed from a Credit Report. Further, you must make sure that you do not send any dispute letter or form, which contains any untrue statement of fact about your customer’s situation. This product provides certain information about the law. But legal information is not the same as legal advice -- the application of law to an individual's specific circumstances. We recommend you consult a lawyer if you want legal advice applicable to your situation or how the Software and this information may apply to you.
Lenders and others usually use your credit report along with additional finance factors to make decisions about the risks they face in lending to you. Having negative information on your credit report or a low credit score could suggest to lenders that you are less likely to pay back your debt as agreed. As a result, they may deny you a loan or charge you higher rates and fees.
"I'm very happy with my results, and I'm a new member. I have seen results with my first month with CreditRepair.com. I'm very pleased with the customer service, they are friendly, and they make sure I understand the steps, and how important it is to have good credit. I want to thank you for your service, and assisting me with questions and concerns."
eCreditAttorney's pricing is simple: $29 per month. For that fee, your credit repair service should include addressing late payments, collections, bankruptcies, tax liens, repossessions, judgments, foreclosures, charge-offs, garnishment, even identity theft/fraud. You're expected to provide a current copy of your most recent, updated credit report; it's not included with the fees that you pay. Side note: the link provided by eCreditAttorney for their "preferred credit score provider" took us to an invalid page - not very encouraging.
When shopping around for the perfect credit repair company, start with the basics: fees and reputation. As in any market, the price of credit repair services will vary by company and features. Checking the company’s reputation with the BBB and industry associations is a good way to determine their legitimacy, and ensure you’re not about to throw your money away.
Easily import your client’s credit reports in seconds and the system will import contact information, address, credit scores, credit inquiries and itemize all the derogatory items, one-by-one, saving you hundreds of hours of data entry every month, minimizing human error. Create dispute letters in seconds using the “point and click” dispute letter creator which allows you to automatically customize dispute letters directly off of the credit reports.
Either way, you should always remove any errors or outdated information from your credit report — regardless of the actual effect on your score — as soon as you discover them. A clean credit report can give you peace of mind the next time you apply for a loan; you’ll know that an inaccurate credit score isn’t holding you back from qualifying for a better interest rate, saving you time and money in the long run.
Credit Repair Consultants also proudly proclaims that they offer a refund policy on your monthly fees. The catch? You have to be a customer for a full 12 months before you can request an evaluation of your account; if the service has successfully removed or improved your account, you may not get a refund at all. They will claim a credit of $60 for every deleted or improved item on your credit report, and then compare it to the fees you've paid. In other words, if you've paid for 12 months at nearly $60 and they've removed or improved 12 things on your credit report, you're not entitled to anything back.
Many people don’t have the time to do their own credit repair or don’t understand how to make their case. So they look into hiring a credit repair company to dispute errors for them. These companies can charge a fee for their legwork—more on how that works below. There are times when the extra help is valuable. For example, if you have multiple errors across credit reports or you’ve been the victim of identity theft.
Yes they have military pricing for families as a courtesy. I used them before. Reliant has some kind of discount thing going as well, which is good because after they charge you and limit you, you get some $ off which is a relief. The dislikes on this are probably them or their fans. They don't seem to like competition which is understandable since they don't know how to compete anyway. Hope that helps.
Credit scoring models usually take into account how much you owe compared to how much credit you have available, called your credit utilization rate or your balance-to-limit ratio. Basically it's the sum of all of your revolving debt (such as your credit card balances) divided by the total credit that is available to you (or the total of all your credit limits).