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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
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.
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