Why Do I Need Credit Repair?
CreditAbility of Cedar Rapids, Iowa is truly a leader in the credit repair business!
We know that your credit scores and profiles are used by banks and loan companies, to determine whether or not they should extend to you credit for credit cards, car loans and even home mortgages. According to the Federal Trade Commission, your credit report is a vitally important part of many credit scoring systems. It is very important to make sure your score is accurate before you even submit an application.
According to the Public Interest Research Groups (PIRG), a survey conducted found that 79% of all credit reports featured some kind of an error – that’s nearly four out of five. This suggests that the odds are very strong that your credit report may not be as clean as it should be. And worse yet, 25% of the reports that they surveyed, contained some very serious errors. If these errors were on one of your reports, these errors could have been bad enough to lead most banks or lending intuitions to refuse you when you are trying to make a major purchase such as a new house or a new car.
Our program focuses on analyzing, educating you, and correcting inaccuracies and credit challenges to enable you to attain your goals. Our 45 day contract delivers a comprehensive repair program that really works.
We begin the entire process with a free comprehensive credit analysis.
Credit reporting agencies, collection agencies, banks and credit card companies may have inaccurate, unverifiable and outdated data about you.
We verify every single detail of your report to ensure it’s accuracy, and then we dispute any inaccuracies with any and all of your current creditors.
The FCRA (Fair Credit Reporting Act), FACTA (Fair and Accurate Credit Transactions Act), FCBA (Fair Credit Billing Act), HIPPA (Health Insurance Portability & Accountability Act) all have consumer protections. The consumer protection sections of each of these must be understood thoroughly to best serve you.
