How can Credit Expert LLC help me?
We provide the right advice and point you in the right direction to raise your scores to 700 and beyond.
We challenge negative accounts with the credit reporting agencies with a goal to remove them. If the account being challenged cannot be verified; it should be removed from the credit report.
You can challenge accounts on your own. However, if you don’t have the time, knowledge, patience or desire to research (the dispute process and FCRA laws) and do the work; then we are here to step in with our 14 years of experience and challenge strategies to help you with our popular Month-to-Month Credit Repair.
How does your Month-to-Month Credit Repair work?
Following the laws of FCRA. we will do the work of challenging inaccurate and unverifiable accounts with the credit reporting agencies with a goal to remove them. We will also coach you and point you in the right direction to maximize your credit scores.
Are you legitimate?
Absolutely! We are in our 14th year. We are reputable and trusted. We have been vetted and accredited by the Better Business Bureau and we are A+ rated.
Do you have a guarantee?
There are no guarantees when it comes to credit repair. In fact, no legitimate credit repair company can guarantee results. By law, negative accounts can remain reporting for up to 7 years from the date of the last delinquency. Because of this, credit repair companies are at the mercy of the reporting agencies. Guaranteeing results or account removals is considered “deceptive or misleading” and that is illegal.
Can inquiries be removed?
Yes, it’s possible to remove them. However, just know that they play a very small part with the credit score. Here’s what you should know about inquiries: They can remain on your credit report for 2 years. However, only those in the last 90 days have the biggest impact of the credit score.
Just know that multiple auto, student loan or mortgage inquires within a 30 days period only count as ONE inquiry against the score.