The best way to maintain a perfect credit score is by making sure every single detail of your financial life is accounted for. This includes bank balances, debt levels, and even minor things like overdue library books that may have gone unnoticed until now.

Whether you’re dealing with late payments, collections, charge-offs or foreclosures, we will help you quickly repair your credit.

The frustration of dealing with the emotional and financial consequences can be overwhelming, but Credit Repair Pros of Atlanta has a team that knows how to help.

Check Credit Report for Inaccuracies

Credit reports contain inaccuracies that need to be corrected. For example, one may have received a credit card in the mail and applied for it online but they forgot about signing up with their bank so there’s still an inaccuracy on their report.

The first step in getting your credit report is to find a copy of your three main reports from the agencies and make sure that they are accurate.

Things to check

• Account number.
• Account status.
• Balance.
• Date opened.
• Payment status.
• High Balance.
• Credit Limit.
• Other errors.

If you find mistakes in your credit report and have to fight for a fix, Credit Repair of Pros of Atlanta has got your back.

Submit Credit Dispute Letters

In your dispute letter, you should detail all of the errors found in a credit report. You can also request that they remove any negative information on the record if it is not accurate or within an agreed-upon timeframe for removing stale accounts from reports.

The Federal Credit Reporting Act has a clause that requires credit bureaus to only report accurate information on credit reports. Some negative entries cannot be verified and must be removed for this reason, as it would provide an unreliable outlook of the person’s finances if they are not accurately represented in their file with all relevant data included.

Write Goodwill Letters

Once you can’t find errors in your credit report or the bureaus have repaired any errors, it’s time to look into a goodwill adjustment.

A lot of people don’t know that if they owe money to a company, and then are contacted by another creditor for the same debt, it doesn’t mean you’re in more trouble.

A goodwill letter can be simple and made more manageable by using experts.

Describe your situation to the creditor, such as mortgage application, and struggle because of the entry. 

Negotiate a “Pay For Delete” Deals

Negotiating with creditors over the phone is a great way to make sure your credit report stays clean. A pay-for-delete agreement can help you remove negative items from your record if they are unpaid collection accounts or charge offs, so work out an arrangement and offer them something in exchange for their cooperation.

If you are a debtor, it is important to know the ins and outs of debt collection. This includes how they can work for your benefit if you’re not paying off debts on time or at all.

Use Credit Repair of Experts to Help Remove Negative Items

Credit Repair of Pros of Atlanta specializes in resolving credit disputes, goodwill issues and contract negotiations.

Credit experts are in a delicate industry that requires serious attention to detail, and you can’t afford not to be on top of your game.

Credit Repair of Pros of Atlanta can help you recover from inaccurate information on your credit report in time.