There are many ways to maintain a good credit score, from the most obvious–paying your bills on time––to the not so obvious–paying off your balance by the end of the month or keeping it low. But what if you notice a low credit score due to inaccurate information on your credit report? As many financial experts will tell you, you can protest the errors online in order to raise your FICO score. However, this process is easier said than done. According to a recent article in the New York Times, to conduct your own credit report repair, you must first obtain a copy of your credit report from each of the three major credit agencies. After you have identified the errors, you must submit a request online or by mail to each of the three agencies. It is important to accurately identify each error and include the proper documents to support your side of the argument. Finally, the credit bureaus have 30 days to investigate your claim and provide you with their decision in writing.
For many, the amount of time and effort that it takes to fix the errors on each credit report can be frustrating. In addition, simple mistakes due to lack of experience on the subject can cause major setbacks. With all of this in mind, it makes sense to hire a professional credit repair agency to do the legwork for you. Agencies such as Vitesse Financial have been known to increase FICO scores by as much as 150 points simply by repairing errors. The company will identify your needs and answer any questions you may have. Vitesse Financial credit repair service will work directly with the three main credit bureaus on a monthly basis until you achieve your desired results. On average, most clients receive improved credit scores after 45 to 60 days, and continue seeing results after six to nine months of initial servicing.
Whether you are asking yourself “what is a good credit score?” or you have another question regarding the errors on your credit report, Vitesse Financial can help you. The company has helped individuals fix errors on credit reports as a result of late payments, judgments, identity theft, collections, foreclosures, and closed accounts. Especially during these tough economic times, don’t allow a wrong credit report to negatively impact your life.
