What is a credit report?

A credit report is a track record of both your personal and financial credit information. Which includes information taken from public records, personal identification and debt information.  A credit report is a detailed report of an individuals credit history.  Credit bureaus collect information and create reports based on that information and the lenders use the reports along with other details to determine an individuals credit health & worthiness.  In the United Sates there are three (3) major credit reporting bureaus: Equifax, Experian and Transunion.  Each of these reporting companies collects information about the consumers’ personal details and their bill-paying habits to create a unique credit profile. 


Why Your Credit Report is Important

Businesses check your credit report to make decisions about you. Banks check your credit report before approving you for credit cards and loans, including a mortgage or auto loan. Landlords review your credit report to decide whether to rent to you. Some employers check credit reports as part of the application process. Your credit report affects many parts of your life, so it's important that the information included is accurate and positive.

Your credit report is the sole source of information for your credit score - a number that lenders sometimes use instead of or in addition to your credit report. A Credit score is a three-digit number that grades your credit report. High credit scores show that you have positive information on your credit report while low credit scores indicate the presence of negative information.


Your credit score or rating
Is a number between approximately 350 and 850 that summarizes your credit Health & worthiness. The credit reporting agencies use a complex formula, which compiles all of the information in your credit file to determine your score, which is used as a "snapshot" of your credit health. The formula takes into account your payment history, the number and age of open credit lines that you have, how long you've had a credit history, the types of credit accounts you have, the total credit that you have available and how much of it you've used, and the number of inquiries there are on your report. Your credit score has a direct impact on your future borrowing ability. A low score may disqualify you or require you to pay a higher rate of interest because your score portrays you as greater risk to the lender.

Items, which are negative, such as overdue or charged-off accounts, may remain on your report for seven years. Bankruptcies can continue to be recorded in your file for up to ten years.


Does paying off my bills repair my credit?
Unfortunately, the credit reporting system doesn’t work that way. When you pay your debt, the negative erroneous credit listing does not disappear. There is little difference between a paid negative item on your credit report, or an unpaid one. In most cases, you won’t get much further by paying the old debt. In some instances, the creditor may sell off the paid debt to another 3rd party collection agency who will attempt to collect on a paid debt and this will also show as a another negative collection on you credit report.


How do you restore bad credit?
We use the laws set forth by the FCRA to dispute any negative and erroneous items.  Once we have your credit reports, we dispute the credit reporting agencies and creditors or lenders on your behalf. Any information the agencies or creditors cannot verify is removed. Any dispute not responded to within the allowed response time set forth by the FCRA has to be removed.


After we dispute your inaccurate, negative erroneous credit items, we will update you with the information that has been deleted and removed.  Any negative and erroneous items that remain on your credit will be continuously disputing until removed.

Any accurate and verifiable information will remain on the credit report. All too often, disputed credit items cannot be verified or in many instances the creditor will not respond to our dispute due to our approach and the negative erroneous item is removed.  The FCRA mandates that any information on your credit file shall be accurate and up to date.


What items can be removed?

A better question would most likely be “what item cannot be removed”.

We can remove any erroneous items, here is a list of items that we can and have removed:

  • Collections & Charge offs       
  • Late payments
  • Inquiries 
  • Repossessions
  • Judgments & Settlements 
  • Tax Liens
  • Bankruptcies & Foreclosures
  • Identity Theft & Fraud
  • Student Loans
  • Bill Collectors Cease & Desist


How does your company guarantee work?
We understand that you have placed your trust in TheCreditDocs and we take that responsibility seriously. This is why we want you to feel confident when working with our company. The law prohibits any company from guaranteeing the outcome or the removal of items on your report.  However, your credit scores can only get better as TheCreditDocs has had great success with our proven methods of credit repair and has seen results in as quickly 3-5 business days with credit scores increasing by 60 to 100 points within 30-60 days.  TheCreditDocs is committed to ensuring quality work and achieving results in a timely manner and providing stellar client support.
You can cancel your contract within 5 business days if not satisfied with our approach.  


How long does the credit repair process take?
Each Individual’s credit situation is different. We generally tell all of our clients that they can expect anywhere from 15 days 150 days.  In some instances we have removed negative information in as quickly as 2-5 business days.  Depending on the type of negative information it can take as long as 3-6 months to complete the service. Credit repair is a process and although we work quickly to repair your credit we can only move at the credit reporting agencies, court houses, and creditors’ pace.

What is the cost of your services?
Our services are calculated on a case-by-case basis as each individuals credit history is unique.  TheCreditDocs offers a fee initial consultation of your credit history and the process that is required to remove any inaccurate, negative and erroneous items from your credit report to improve your credit scores and credit worthiness.  TheCreditDocs services also includes financial & credit consulting and debt-to-income ratio analysis to help maintain a positive credit rating once you credit is restored.

Credit Repair Disclosure

SEC.405 Disclosure Consumer Credit File Rights Under State and Federal Law

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ”credit repair” company or credit repair organization have the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over seven years old. Bankruptcy information can be reported for ten years. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment or insurance. You can receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then investigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureau’s investigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:

The Public Reference Branch

Federal Trade Commission

Washington, D.C. 20580.


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Frequently Asked Questions


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TheCreditDocs 

Credit Repair Services: Rebuild your Financial Future