How can bad credit be legally repaired?

It is your right and responsibility to assure the accuracy of the items on your credit reports. If the information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA), and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus, and your individual creditors.

The most popular method for restoring bad credit is the credit bureau dispute. Because of the Fair Credit Reporting Act, you have the right to dispute, and delete any items on your credit report that you feel are inaccurate, untimely, misleading, biased, incomplete, or unverified.

When you dispute a questionable negative credit item with the credit bureaus, you are demanding that they perform an investigation to determine whether or not the item should be listed on your credit reports. If the credit bureau cannot verify the accuracy of the item, then they are required to correct the listing, or completely delete it from your credit report.

Another facet of credit repair is to work with your creditors to remove the negative items from your credit reports. Your creditors have the ability to delete negative items from your credit reports at any time. With more cooperative creditors, sometimes all it takes is to ask the creditor to adjust or delete a negative credit listing. In situations where this non-confrontational approach is not sufficient, the various consumer protection acts provide you with tools for forcing creditors and collections agencies to prove the accuracy of the reported accounts.

By using some or all of their legal rights to fair and accurate credit reporting, thousands of people have legally, and successfully restored their credit, and increased their credit score.

How does Hamilton help repair bad credit?

Hamilton helps clients take on their credit by disputing the inaccurate, untimely, misleading, biased, incomplete, or unverifiable negative items from their credit reports.

Once you have selected which items you want us to dispute, Hamilton will prepare the appropriate dispute letters.

At the conclusion of the credit bureau's investigation, a new copy of your credit report should be sent to your home showing the results of their investigation, including any deletions or improvements if any were made. If you are not satisfied that the questionable, negative items has been resolved, send us a copy of the new credit report and the cycle will begin again.

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. Also, the credit bureau reinvestigation must be completed within 30 days, though the credit bureaus do not always meet this deadline, or 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.

How long does credit repair take?

Unfortunately there is no way for us to be able to guarantee how long each individual’s workload will take. The process is indefinite, due to the fact that each individual’s workload is different, and requires tactics and unique efforts specific to that individual. We can, however, give you an idea as to how our clients have performed in the past. As is true in all legal matters, no two cases are alike, and your experience may differ.

The progress of your case will depend on your timely participation (sending in credit reports on a timely basis), the nature of your case and the level of credit bureau cooperation.

Is it possible for deleted items to reappear on my credit report?

On occasion, a negative listing that was recently deleted may eventually be verified by the creditor. The Fair Credit Reporting Act requires that the credit bureau inform you before they re-report a previously deleted listing. The FCRA also makes it more difficult for credit bureaus to re-report listings. Because of these factors, it is fairly rare for listings to reappear once they've been deleted.

If a questionable credit item is verified at a later point in time, we will help you challenge the listing again if there are legitimate grounds to do so.

Do I need to pay my bills?

If there are delinquent questionable listings appearing on your credit reports that have not been paid off, the actual debt behind the account remains the same even if the account is deleted from your credit report. You may still owe the same money that you validly owed in the first place subject to your state's applicable statute of limitations. If you don't pay the debt, the creditor or a collection agency may re-report the listing.

Removing a negative listing without addressing the debt is only a temporary solution. In fact, we will only dispute credit listings that you indicate are inaccurate, untimely, misleading, biased, incomplete or unverifiable. If you feel that a negative credit listing is 100% accurate, timely and verifiable, then do not dispute it.

Does paying my bills restore my credit?

You would think that would be true, but the credit reporting system just doesn't work that way.

When you pay an old debt, the negative credit listing doesn't disappear. Once paid, it may appear on your credit report as a paid delinquency, charge off or collection (whatever the case may be.)

Unfortunately, if your goal is simply to repair your credit, merely paying off your debts won't get you there. You also need to work to restore your credit at the same time. Of course, paying your debts in a timely manner may prevent future problems with your credit report.

Do I need to see my credit reports first?

Most people begin researching credit repair after they have been denied credit. Most don't even know what questionable negative listings are appearing on their credit report.

When you contact us, we will make an appointment for you to receive a free consultation in which you can learn how to pull a free copy of your credit reports. During this consultation, a consultant will also help you analyze your credit history, and find out if credit repair is right for you. If at that time you decide you would like to enlist the help of Hamilton Financial Group to dispute the questionable negative items in your credit reports, you will be able to start the dispute process immediately.

Because of this, even if you have not yet seen your credit reports, we suggest that you contact us to receive your free, no-obligation consultation.

Do you guarantee your credit repair service?

It is important to understand there are no guarantees involved with legal services. It is just like in a court of law where an attorney could never guarantee a client that the judge or jury would find in their favor.

In fact, any credit repair company that guarantees success is not being honest with you.

Hamilton Financial Group offers its years of experience, and its good name as assurances that your file will be handled responsibly, and professionally.

Our refund policy is in place to assure that you receive the services our company has agreed to perform.

Can I repair my own credit?

Yes. You have the legal right to work out your credit disputes with the credit reporting agencies, and credit grantors yourself. Given experience and study, you could do much of what our staff does. It is similar to your right as a citizen to represent yourself in court.

Many people, however, choose to ask Hamilton Financial Group to assist them because of the depth of experience our company offers.

When making the decision to repair your own credit reports, or enlist the assistance of a professional credit repair company, it may be helpful to consider the amount of time that may be required to effectively repair your credit. In our experience, a typical consumer simply does not have the time to research and experiment with credit disputing methods in order to find the best course of action for their individual credit situation. In contrast, Hamilton Financial Group has the accumulated knowledge from helping our clients successfully remove questionable negative items from their credit reports. Our extensive experience means you will see the highest possible return on your time and money, as our efforts on your behalf will only utilize credit improvement strategies which have proven to be effective.

Also consider the amount of time and follow-up required to coordinate disputes with all three credit reporting agencies, and the creditors appearing on your credit report. When you begin the credit disputing process, you are initiating a dialogue with these entities. This dialogue requires you to properly respond to credit bureau and creditor communications in order to keep the credit repair process moving. To manage this process for our clients, Hamilton Financial Group has systematized the credit repair process through a trained staff using state of the art technology.

In our years of credit repair experience, we have worked to continually improve and refine our processes to provide the best value for our clients. With that said, we encourage consumers to dispute their own credit if they have the desire, time, and knowledge to do so.

When can I contact my consultant?

When you retain Hamilton Financial Group, the consultant’s Executive Assistant and Administrator is assigned to your file within one business day or less. The administrator is available to assist you with any questions or concerns you may have during the course of your service. You may contact your administrator by phone, email, or live chat from 9:00 AM to 5:00 PM M-F Eastern Standard Time.

How do I get updates on my file?

As we help you work to improve your credit, the credit bureaus will send updated copies of your credit reports directly to your home. When you have items removed or improved, you will see them first on your subsequent credit report. Additionally, you are always welcome to call or email your administrator and request an update of the progress of your file.

As these credit reports arrive, we ask that you forward photocopies of them to us so we can use this new information to continue working on your file. Your administrator can assist you with this process.

Why does Hamilton Financial Group need updated credit reports?

Our ability to help you delete or repair questionable negative items is dependent on having up-to-date credit reports. Without copies of your current credit reports we are somewhat limited in what we can do to progress a client's case because we need to know the status of previously disputed items before crafting the next round of disputes.

For example, if we do not know that a questionable negative item has been deleted, and we dispute the same item again, it can slow the process and increase the time until you see your desired results. In addition, if in response to a dispute the credit bureaus deny an investigation, or request additional information, we need to know this response in order to craft the next round of disputes.

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consumer credit repair Did you know that a poor credit score can prevent you from getting a car, a home or apartment, insurance, a cell phone or even a job?
Hamilton Credit Repair can help protect your rights under the law in order to improve your credit score.

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