TESTIMONIALS
"It is a pleasure to give a testimony about CreditFix. I have worked with you and your company for several years and you have always been open and informative. My credit was one of the worst. I owned two dental practices, went through a divorce and had a $400,000 tax debt. That's when CreditFix came into my life and has worked to clear most of the negative ratings from my report. I have referred many friends and family members to CreditFix in order to receive the same relief. In these days and for some time to come, this company has a most profound impact on the lives of its clients."
"My credit rating was on life support when I contacted Creditfixnow.com. They removed Tax Liens and other negative items to such a degree that I now have a good credit rating again. They are honest trustworthy and I highly recommend them. Thanks creditfixnow for restoring my credit rating and peace of mind."
DO YOU NEED TO IMPROVE YOUR CREDIT RATING?
There are many different approaches that can be taken to turn a poor credit rating into a good one. However, the three main tools that a consumer should be armed with before challenging negative information on a credit profile are the (FCRA) Fair Credit Reporting Act , (FCBA) Fair Credit Billing Act and the Fair Debt Collection Practices Act (FDCPA). These three statutes are the most important Federal Statutes protecting our clients’ rights. We exercise and enforce them. But we do not stop there. We submit fraud alerts in cases of possible Identity Theft. We challenge inquiries that have been erroneously or without a permissible purpose been listed on your credit profile. We remove erroneous personal information such as name variations, previous addresses as well as Social Security Number variations. We believe that the only number you should use is the one originally issued to you. Too many inquiries and your Fico score will drop; especially if there have been more than four in the past six months. Its’ a little more complicated than this but to keep it in laymen’s terms this is more or less the case. In certain circumstances we apply the statutes of FACTA Fair and Accurate Credit Transaction Act and the all encompassing CPCA Consumer Protection Credit Act. It’s under Title 15 Chapter 41 of the US Code.
Your rights under the Fair Credit Reporting Act (FCRA)
You cannot be discriminated against based upon your race, religion (lack thereof), creed, geographical location, particular lifestyle and/or any subjective personal observations. You can challenge who in fact has a permissible purpose to view your credit profile. You have the right to challenge negative information that has a negative affect upon your credit rating and any information that is over seven (7) years old. Public Record items can stay on for ten years (10) such as Bankruptcies but we can remove them as well under certain circumstances. State and Federal Tax Liens can stay on forever if not paid. They can stay on for ten years from the time they were paid. There is a time line for negative information but not for positive information. Don’t let any creditor tell you otherwise. You have the right to your dispute investigated within a reasonable length of time. Thirty days (30) is considered reasonable.
Your rights under the Fair Credit Billing Act (FCBA)
You have the right to challenge unauthorized charges and to be billed correctly and completely to your current place of residence. You have the right to compel the credit bureaus to delete negative information if the creditor did not deliver the goods in a manner initially agreed upon or if there were errors in the date and time of the bill. The Federal Trade Commission summarizes the statute to provide you with wording we all can understand. It says your creditor must not fail to post payments and other credits to your account including returns; they must send bills to your current address-provided you have sent them your change of address, in writing, at least twenty (20) days before the billing period ends. This is very important. Furthermore, charges for which you ask for an explanation or written proof of purchase along with a claimed error or request for clarification must be sent to you.
Your rights under the Fair Debt Collection Practices Act
If there is a collection agency involved they must prove they own the debt and they are bound to the statutes of the FCBA. We know this and it is the reason why we are so successful with collection agencies. Most of them do not even know what the law demands of them and some do but don’t follow it. They think they can treat you anyway they want but they cannot, they cannot call you before 8 in the morning or after 9 at night. They cannot threaten to take legal action and then not do so. They cannot curse you scream or treat you in any demeaning manner. They cannot contact you at your place of employment when given notice. They must cease and desist from any communication with you when notice to do so has been served upon them or when you are being represented by legal counsel. Our company is so structured to earn money only if we are successful in deleting negative information from your credit report. That is why we go to great lengths to do so. Unfortunately, by law we are forbidden to guarantee any results, so we decided to guarantee the money, meaning if we do not remove the negative items we will refund the entire set-up fee.