So Why Us?
How We Start: Our service includes your private assessment, contacting creditors on your behalf, sending documentation back and forth, and more. We have been trained on recent laws, statutes, and credit reporting practices. We also know what items on your report affect your score the most.
Your Credit Report: Your credit score comes from your credit report; it is your spending and repayment report card. Credit reports often aren’t correct, and incorrect information can hurt your score. We make sure that your credit report contains correct information so you’ll have the highest score possible.
Our Methods:
Metro 2 Compliance VS. Consumer Law
Compliance is not something verifiable, rather it's either certified or not. So we contest report-ability if a claim by challenging credit mafia to certify that the reporting process(es) , including the mandated Metro 2 format, was compliantly achieved. If not, by extension of CRRG's statement that "any deviation from these standards jeopardizes the integrity of the data" in conjunction with FCRA's requirements of reasonable investigation and or reinvestigation of data meeting criteria of maximum POSSIBLE accuracy and maximum possible completeness without willful nor negligent disregard of consumer's right ensuring any delinquency and or DEROGATORINESS alleged versus consumer is of highest degree of being ethically gathered, truly reported, accurately reported, adequately complete in it's reporting, timely , of a known ownership of responsibility being the consumer reported against, and or else wise undoubted with regard to claim(s)' validity. Questionable reporting undoubtedly fails to satisfy necessities to assume a claim's reporting is of a maximum possible accuracy and completeness, is not willfully deficient of such requisite standard(s), nor is there any deliberate or incidental dereliction of duty to appropriately reporting.
Our Workflow: That is (all above) what the Metro 2 Compliance Method [aka Metro 2 Method ] does by leveraging the metro 2 five points of compliance with laws of fcra primarily , most specifically with 15 US 1681 e(b), i , n, and o regulations.
Each hard inquiry causes your credit score to decrease. It's important to not run your credit so much. Running your credit consistently can be interpreted as an attempt to substantially expand available credit and create yourself as a higher risk to potential lenders.
Making your payments late is very unhealthy for your credit score, especially since payment history makes up 35% of your score. So one late payment can make a huge negative impact.
Collections happen whenever an account is seriously past due. The original creditor decides to sell it to a debt collection agency causing it to drastically change your scores. It is heavily suggested to not pay collections while still present on your credit report as it will decrease your scores.
This is when the creditor or lender has written the debt off as a loss and closes the account to prohibit further charges. It then may be sold to a debt buyer or transferred to a collection agency. You are still legally obligated to pay this debt. It's heavily suggested to negotiate said debt after removing it from your credit report.