How We Work to Repair Your Credit
Credit repair, though it may seem simple enough, is a tedious process that requires a very large time commitment and much patience when gone about on your own. At Prime Credit Experts, we take out the hassle and commitment it would take an individual to see quick, accurate, and substantial results.
First, you will need to obtain copies of your credit reports. While you are entitled to one free copy per year, those reports are just that: reports. Free credit reports do not contain your credit score. As mentioned by Vermont Representative Bernard Sanders of the Subcommittee on Financial Institutions and Consumer Credit, in a hearing before the U.S. House of Representatives, the cost for a consumer to obtain their credit reports from all three credit bureaus, as well as the extra fee to obtain the credit score reported from each bureau, can add up to about $66. Prime Credit Experts will provide the most in-depth consumer reports possible, reflecting your entire credit history and including your credit scores, for a one-time cost of $59.95. You will also get to keep these copies for your records and future reference.
From there, you will be scheduled for your FREE credit consultation and analysis with one of our FICO-certified credit analysts. During this consultation your certified analyst will go through each of your reports, line by line, with you so that together you can determine which items are the most crucial, which are eligible for dispute, and the number of items you wish to dispute.
That’s right, your credit is in your control.
Under the Fair Credit Reporting Act, a federal law, it is required that any and all credit listings that are inaccurate, incomplete, unverifiable, out dated, technically accurate but purposefully misleading, are to be removed from or corrected on your credit reports. Unlike some companies, Prime Credit Experts does not cap the number of items we can and will dispute on your behalf. If you would like one item or one hundred items, we will not limit the extent of our service and we will not charge extra fees for more items or better service, as some credit repair companies do.
After you and your certified analyst have created a customized “game plan” and personalized payment structure, your case will then be in the dedicated hands of our processing and support team. You will also have created just for you, an online web portal with an individual username and password, that you can access at any time, day or night, to monitor and track your case’s progress.
Our team at Prime Credit Experts will then compile, send, and manage any and all dispute letters sent out on your behalf. All we ask from you is that every time you receive an updated response or any kind of results, you mail them into us–this is how we update and maintain your web portal, as well as determine if any more disputing of selected items needs to be done.