We Legally Restore Your Credit!
By utilizing the Fair Credit Reporting Act, we are able to permantly remove negative items from your credit reports.
The three major credit reporting agencies (CRA's) are Equifax, Experian and Transunion. These are multi-million dollar corporations that operate for profit, like all other corporations. They are not government agencies, they are not affiliated with the government in any way. They make their money selling your personal information to creditors for credit and insurance offers. They also sell your information to employers and landlords, but worst of all they sell your private personal information to telemarketers and mailing list companies, all without your permission. The point we're trying to make here is that these big corporations do not have your best interest in mind. They will admit that errors exist on credit bureaus but they go on to state it is not their job to ensure the information is accurate. It is up to you, the consumer, to prove that their report is inaccurate.
TRW Credit Groups staff has many years of experience and time proven letter writing, forms and lawful notices. In our 8 years of service we have never had a complaint with the Better Business Bureau or the Attorney General's Office. After utilizing our service, many of our clients have gone on to buy a new home, a new car, adopt a baby or just meet the credit needs of their families, which is something they were not able to do before.
How it works and How we are different!
The Federal Trade Commission and Consumer Credit Protection Act have enacted hundreds of regulations that credit reporting companies, collection agencies and credit bureaus must comply with in order for any reported item to remain on your report. When TRW Credit Group receives your file, a skilled credit analyst reviews your reports to determine which items can be challenged that when removed will result in an improved credit score. TRW Credit Group then challenges derogatory items, with a letter demanding the reporting company prove that they are in compliance with the laws of regulations and removed the challenged item. This process is repeated with each of the three major reporting agencies. When this process is complete, a report is sent to the client detailing the steps that have been taken.
Within 60 to 90 days, the credit bureaus respond with a verification or deletion summary that shows the results of each challenge made. Overall average success rate is between 85% and 95% of unverifiable derogatory items removed. Best of all, the items that tend to be removed first are those that are the most harm to your credit, such as bankruptcies, tax liens, judgments, charge-off, repossessions, student loans. While the full process takes up to four months, many clients see enough improvement their score to allow them to qualify for a mortgage or low interest car loan in as little as 45 to 90 days.
TRW
CREDIT
GROUP
TRW Credit Group
Glenda Wallace
(228) 366-6829
glendawallace@trwfixmyfico.com
