WHAT IS CREDIT REPAIR?
Credit repair is the act of removing inaccurate and unverifiable information from consumer credit reports while structuring or restructuring the consumer's credit profile.
DO I NEED CREDIT HELP?
Professional help may be a good fit for you if...
YOUR CREDIT SCORES ARE UNDER 700
Credit scores under 700 is a strong indication of negative information and limited to no positive payment experiences.
YOU WERE RECENTLY DENIED FOR CREDIT
Being denied for credit means you are currently viewed as a high risk to lenders.
YOU HAVE CREDIT REPORT ERRORS
Research has proven that over 80% of consumer reports contain reporting errors.
How The Credit Laboratory Works For You
DISCOVERY CALL AND ACCOUNT SETUP
First we will need to chat about your current situation, access your credit reports, and get your account setup.
CREDIT AUDIT AND ANALYSIS
Next we will need to determine what items are actually hurting you and what areas need improvement.
CHALLENGE AND DISPUTE
We will send challenges and disputes to the credit bureaus, original creditors, and collection agencies.
MANAGE AND MONITOR
As your credit profile begins to get better we will monitor your file for new accounts and issues.
"Working with The Credit Laboratory has been such a blessing. They have responded to all of my questions and concerns in a timely manner and has kept me updated throughout the whole process. Very professional and responsive. Highly recommended!!!"
"The Credit Laboratory is very professional and they make sure they're there for you. They answer all your questions thoroughly and they provide accurate feedback."
"I so love The Credit Laboratory. Very professional, very prompt in taking care of business. Excellent in Communitcating. Got our scores to increase over 40 points in a months time; HIGHLY RECOMMEND this service!!! VERY, VERY PLEASED!!!"
"Wow!!! I'm speechless of how The Credit Laboratory helped me to master this credit issue! Thanks for PUSHING me to purchasing power! In just 3 months there was a major change for me! Thanks for EVERYTHING!!!"
FREQUENTLY ASKED CREDIT QUESTIONS
IS CREDIT REPAIR LEGAL? Yes, credit repair is legal, whether you choose to tackle the process alone or seek professional help. Credit repair companies are governed by CROA and have a responsibility to inform you that you can handle the process on your own.
HOW LONG IS THE CREDIT REPAIR PROCESS? The credit repair process is different for everyone and the timeframe can depend on multiple factors, including but not limited to, inaccurate accounts reporting, your ability to handle past debt, and keep open accounts current. It can take as little as 45 days to see results.
WHAT ITEMS CAN BE REMOVED FROM MY CREDIT REPORTS DURING THE PROCESS? Any information reporting that is inaccurate or unverifiable has to be removed from your credit reports by law. Although any information reporting can be deleted, not everything will be deleted.
WHAT IS YOUR CREDIT REPAIR PROCESS? The Credit Laboratory’s credit repair process is designed to be stress-free and easy. We review a recent copy of all three of your credit reports, then we analyze the information and provide you with an audit. We challenge all inaccurate information with the credit bureaus and furnishers. We mail all correspondence out on your behalf. We review your account every 30 days for changes. We help you to build credit as credit building is essential in the credit repair process.
CAN CREDIT REPAIR REALLY INCREASE MY CREDIT SCORES? Yes, credit repair can really increase your credit scores if it is done the correct way. The credit repair process consists of more than just getting items removed from your credit reports you also must build or rebuild your credit profile. Building your credit profile is where most of your credit score increase will come from.