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The Law is on your side. Our experts can and will repair, rebuild and rejuvenate your credit.
Do Not Let Your Past Hold You Back!!!
Today we live in a society that judges our reliability and credit worthiness by the content of our credit report. If your credit rating is stellar, chances...
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Bad things happen good people. We help good people get good things. During the Great Recession of the last several years, so many people were affected...
Do You Need Your Credit Score Boosted in 30 Days? Check This Out.
After spending a combined 30+ years in consumer financing, the team at Spartan Credit came up with the solution to a problem that many consumers are facing...
“The FTC says under the FCRA credit bureaus have 30 days to investigate any dispute. If they cannot prove it’s your debt in that time frame, they must delete it”. Then it’s followed with a generic dispute letter stating the following.
“This debt is inaccurate, under the laws of the FCRA please investigate this account and delete it from my file”.
With that said, credit repair works and better then ever, just not with that method. The real way to improve your credit score is by understanding the laws. When I say that, I mean actually using the law as opposed to just quoting it in your dispute letter.
Obviously, I can’t cover every law here but I can point out one violation that are present in nearly every trade line.
I’ve said it for years and finally people are beginning to realize, these letters rarely work. Use some common sense for a moment. If it was that easy, we could all go charge until we’re blue in the face and not worry about our bills because we have the magic letters.
Re-aging debts – Among the most common violations on nearly every credit report.
Understanding how a debt’s “date of last activity” is calculated is paramount. Chances are it won’t be reported accurately. Why? Because collectors like to date it from the time they “bought the debt” and that is wrong and a sure fire way to have it removed. You can find “date of last activity” and “Re aging Debts” in both the FCRA and the FDCPA.
Each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report once every 12 months, if you ask for it. The three companies have a central website, a toll-free telephone number, and a mailing address for consumers to order the free annual credit reports the government entitles them to.
To order, click on annualcreditreport.com, call 1-855-697-7278, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281
Why Repair Your Credit?
Like most people, you work hard for your money! Unfortunately, everything you buy with credit will COST YOU a lot more when you have blemishes on your credit files.
When negative information is on your report you will become the victim of higher interest rates and more.
You will pay THOUSANDS of unnecessary dollars, more than your neighbors with better credit scores.
WE HAVE ANSWERS!
We are the Credit Experts
Let us help!
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We Get Your Credit Repaired By Removing:
The Good News
You have the legal right under the Fair Credit Reporting Act (FCRA) to challenge any item on your credit report that may be misleading, incomplete or unverifiable/ questionable. If a challenged item cannot be verified, the credit bureaus must remove it.
This sounds easy but most find it near impossible to do on their own. Having a professional advocate for you who knows the law and the most effective methods yields you the best results.
FREE Credit Repair Consultation With Our Experts!