Credit Repair Services

Our Credit Repair Services:
Making credit repair easy
and
effective for our clients.


Credit And Finance Strategies Inc. is the nation’s leading firm offering credit repair services for a reason: we make the process easy and effective for our clients.

Our services have proven so effective that past clients have seen an average of 10.2 items, or 24% of their presenting negatives, removed within 4 months.




DEBT & DEBT COLLECTORS You are responsible for your debts. If you fall behind in paying your creditors or an error is made on your account, you may be contacted by a “debt collector.” A debt collector is any person, other than the creditor, who regularly collects debts owed to others. This includes lawyers who collect debts on a regular basis. You have the right to be treated fairly by debt collectors. The Fair Debt Collection Practices Act (FDCPA) applies to personal, family, and household debts. This includes money owed for the purchase of a car, for medical care, or for charge accounts. The FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices while collecting these debts. Your rights under the Fair Debt Collection Practices Act: Debt collectors may contact you only between 8 a.m. and 9 p.m.Debt collectors may not contact you at work if they know your employer disapproves.Debt collectors may not harass, oppress, or abuse you. Debt collectors may not lie when collecting debts, such as falsely implying that you have committed a crime.Debt collectors must identify themselves to you on the phone.Debt collectors must stop contacting you if you ask them to in writing.
CREDIT REPORTS Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by credit bureaus. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy. The Fair Credit Reporting Act (FCRA) is designed to help ensure that credit bureaus furnish correct and complete information to businesses to use when evaluating your application. Your rights under the Fair Credit Reporting Act: You have the right to receive a copy of your credit report. The copy of your report must contain all of the information in your file at the time of your request.You have the right to know the name of anyone who received your credit report in the last year for most purposes or in the last two years for employment purposes.Any company that denies your application must supply the name and address of the credit bureau they contacted, provided the denial was based on information given by the credit bureau.You have the right to a free copy of your credit report when your application is denied because of information supplied by the credit bureau. Your request must be made within 60 days of receiving your denial notice.If you contest the completeness or accuracy of information in your report, you should file a dispute with the credit bureau and with the company that furnished the information to the bureau. Both the credit bureau and the furnisher of information are legally obligated to investigate your dispute.You have a right to add a summary explanation to your credit report if your dispute is not resolved to your satisfaction.

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