Improve My Credit USA helps clients take on their credit by disputing the inaccurate, untimely, misleading, biased, incomplete or unverifiable negative items from their credit reports.

Our service uses targeted disputes based upon the Fair Credit Reporting Act in an effort to delete the questionable negative information from your credit reports while incorporating strategies based on other consumer protection statutes. These statutes include the Federal Fair Credit Billing Act which gives you the right to request extensive information regarding billing and account history, the Truth in Lending Act which stipulates conditions for establishing credit accounts, and the Fair Debt Collection Practices Act which defines your rights regarding accounts that have passed into collection status.

By utilizing online credit report providing companies such as www.mycreditkeeper.com we are able to significantly increase the speed of getting started. This ability allows us to directly download your credit reports into our software and save you valuable time and effort in providing the information to us via mail; making the whole process quick and easy. Once your reports are uploaded and the credit analysis has been performed, Improve My Credit USA will prepare the appropriate intervention or dispute letters. These letters are designed to communicate your dispute in such a way as to spur the credit bureaus to conduct an investigation.

At the conclusion of the credit bureau's investigation, a new copy of your credit report should be sent to your home along with any deletions or improvements if any were made. Each month we will update your reports in our software and continue our hard work at verifying the information that is negatively impacting your score.

In order for a credit bureau to keep a disputed credit listing on your report, they must have evidence that it is accurate, timely and verifiable. If the credit listing is only somewhat inaccurate, the credit bureau may simply change the item to reflect the accurate status. Very often, though, disputed credit items cannot be verified because the creditor no longer possesses the information or does not wish to go to the trouble of verifying it. In these cases, the listing should be removed. Additionally, the credit bureau reinvestigation must be completed within 30 days. Frequently the credit bureaus do not always meet this deadline and the listing must be removed. However, be aware that in these instances, once the bureau finds evidence of the listing, the item may eventually re-appear on your credit report.

For these reasons, properly disputed questionable credit listings have been removed with remarkable frequency.