Top Credit Repair
At Top Credit Repair our credit repair specialist fixes past credit mistakes and verifies credit report accuracy.
We use little known laws to challenge the creditors and or credit bureaus and force to prove the reported debt or remove it. We also use credit enhancement techniques to give you the highest scores possible in the shortest time possible.
In a majority of cases even debts that can be proved can still be removed by us focusing another issue other than the amount due. Original creditors and credit bureaus are held to a standard that most don't comply with. For example when a debt is disputed with a credit bureau the bureau is supposed to contact the creditors to make sure the information they have on your credit report is accurate.
The credit bureaus (Equifax, TRW & Experian) are also supposed to keep the paper work on their premises before they enter the information.
As you can probably guess, the credit bureaus don't keep anyone's paperwork at the bureau and most original creditors also don't have the original signed contracts as required by federal laws. In some cases we will have an attorney assist with removing the negative information. We do this to let the credit bureaus and original creditors know we understand the State & Federal laws.
Items that have been removed
- Medical Bills
- Student Loans
- Late Payments
- Credit Card Payments
- Accounts caused by Identity Theft.
Can credit repair companies guarantee removal of negative items?
We won't guarantee deleting 100% of items because we know that the decision ultimately rests with the bureaus, who can be inconsistent and unpredictable. We can remove all accounts which aren't yours (identity theft). We can also remove most other negative accounts due to other reasons.
Be wary of credit repair companies that advertise anything like "one hundred percent of your credit report cleared within 30 days"!!! These companies are either lying or are ignorant (you want neither working on your case). Unfortunately, there are credit repair companies that do prey on those who truly wish nothing more but to restore their good credit. To those individuals we say, be careful. If it sounds "to good to be true" it probably is.
When you want an honest credit repair agency that can actually increase your credit scores fast, while at the same time providing professional service give us a call.