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Heritage Credit Repair
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"Freedom from debt is worth more than any amount you can earn."
-Mark Cuban

http://heritagecreditrepair.com/

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Local Central Coast “Build My Credit” specialists Heritage Credit Repair have for over 25 years been doing their part to assist residents of the Central Coast in repairing their credit scores. This week, they released a report on how they help their…

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  Are you struggling with a bad credit report? Well struggle no more; Heritage Credit Repair is here to solve your problem! Welcome to Heritage Credit Repair, a trusted Credit Recovery firm with over 25 years of experience in the area of consumer debt and…

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Is your credit suffering? Worry not, here at Heritage Credit Repair, we have the cure! With over 25 years of experience in the consumer debt and credit industry, our team here at Heritage Credit Repair, complete with an aggressive legal department ready…

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From Lizet's Desk: Credit Reports

Should consumers use a credit report that comes directly from the credit bureaus or is a less expensive consumer-based report good enough? Since an on-going monthly purchase of these reports is necessary for credit repair, we currently are using…

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Many consumers, in an attempt to improve their credit, will buy something on credit.  The idea is timely payments show up the credit report raising ones’ credit score. While this is true, there is potential down-side.  Many consumers we interview will…

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5 Steps to Credit Success: Step 1

Step 1: Evaluate

The first step is to review the information that is reporting on your credit profile. You need to look for any errors in the list of negative entries. There are 15 potential areas of reporting errors. So check everything: opening and closing dates, balances, limits, account type, etc. Any mistake carries with it the opportunity for correction or removal of that entry. As you read across the three bureaus’ description of that entry, do they differ from one another? If so, they can’t all be right; so a correction or deletion is in order.

Next, look for entries that you do not recognize. Is there an account that you never opened? Is there an address where you have never resided? Look for anything that may indicate you are a victim of identity theft.

Now look for positive entries. Do you have at least 3 trade lines? If not, go to step 2. Only after the trade lines are established (which could take several months), should you begin working on the deletions.

Stay tuned for Step 2...
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Consumers usually need our service due to debts that are defaulted on. It is not always done purposefully, as in the case of medical bills. However, many others default simply because they have over-extended their credit cards. Although there may be fewer…

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Collection Notices are now Worth Thousands of Dollars! Never throw away a collection letter. State and Federal guidelines are very explicit as to how a collection letter can be written. Either due to ignorance, arrogance or playing the odds, bill…
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