Credit Repair Advice

When it comes to repairing your credit, there is no better place to seek advice from than Prime Credit Experts.

Our team consists of FICO-certified credit analysts who specialize in credit repair, restoration and management techniques to ensure you a bright financial future.

There are things you will need to avoid, and things that can be crucial to repair and maintain the credit score that you deserve.

First, you will want to avoid unsavory companies that guarantee to remove every single negative item on your credit report. This is a scam, as that is just not possible due to some negative items being accurately reported and verifiable as negative. However, there are ways to legally and effectively remove negative items responsibly, quickly and under full compliance with the federal laws that govern your right as a citizen to fair and accurate credit reports. Click here to learn more on how you can successfully avoid credit repair scams.

Should you decide to go your hand at credit repair, there are a few things you will need to remember: your credit score reflects your entire credit history, from the very first day you opened your very first line of credit. That said, you will need to obtain an extensive credit report that provides you with your entire credit history in order to be able to properly and effectively raise your credit score with disputing the negatives–there could be items that began tarnishing your credit from the very beginning!

The credit reports you can obtain through Prime Credit Experts are the most in-depth consumer reports available, also displaying your credit score for each of the three main credit reporting agencies, Equifax, TransUnion and Experian. Typically the only way to get ahold of such all-inclusive credit reports is to have them pulled through a lender. However, lender reports are considered a ‘hard pull’ or ‘hard inquiry’ and will put another ding in your credit report.   Prime Credits Experts also pulls these credit reports under what is known as a ‘soft pull’, meaning that it will not affect your credit score.

Click here for more information on DIY Credit Repair