Your credit history is an indication of how you’ve managed debt in the past, and many companies use it to predict your future financial behaviors. Credit is used to borrow money, get a credit card or rent an apartment. Good credit scores may suggest you’re responsible and practice good financial habits, like paying your bills on time. But low credit scores may give the opposite impression. 

Today’s economy runs on credit. If you want to get a mortgage for a house or a student loan to pay for college—or if you just want to charge your lunch on a credit card—you’re going to need a lender to extend you a line of credit.

You’ll also need to be worthy of that line of credit. Your creditworthiness is defined by your three-digit credit score and is the key to your financial life. Good credit can be the make-or-break detail that determines whether you get a

mortgage, car loan or student loan. Bad credit, on the other hand, will make it difficult to get a credit card with a low interest rate and more expensive to borrow money for any purpose.

5 Area Where Credit is Important:

✔️ Credit Cards

✔️ Mortgages and Auto Loans

✔️Insurance and Utilities

✔️Renting Apartments or cars

✔️ Job Applications

Fraud, data entry mistakes, and improper merging of information by Credit Bureaus (Equifax, Experian, and TransUnion) happen so frequently that it's estimated that around 80,000,000 Americans have significantly lower credit scores due to errors on their credit reports.

This obviously impacts our ability to get the home, car, apartment, or even job that we want. The errors can be caused by the original creditor, the Credit Bureau, identity theft/fraud, a collection agency, or public record.

Fortunately, per the Fair Credit Reporting Act, all three credit agencies allow you to dispute errors related to the “Ownership” of an account or the “Account Information” or “Status” of an account.

1- Negative items can be removed at anytime. The key is knowing the proper verbiage when disputing using the written letters. To be able to by-pass the AI Computer that scans the letters. Bankruptcy, Evictions, Collections, and Repos included!

2 - Collections and Medical Bills can be removed from your credit reports. DO NOT PAY THEM! It is much harder, and almost impossible to have them removed. It will only update as "Paid as Agreed" which DOES NOT BOOST YOUR SCORE!

3 - The collection agency wants you to think that credit repair is illegal. IT IS NOT! In fact, it reporting incorrect or inaccurate information on your credit is ILLIGAL. It is your right, including the right to challenge inaccurate, misleading and incorrect information on your report. This was put into place by Congress in 1971 (FCRA) Fair Credit Reporting Act

4 - Medical collections on your profile is actually illegal and is a violation of HIPPA Laws!

1- The Credit Bureaus are not waiting around for your credit dispute letters to be reviewed. In fact, they don't even care as they get paid to report the negative date. They use a system called E OSCAR to scan your letter and identify codes or words they use to dismiss or 'Verify" your dispute.

2- The Credit Bureaus uses 5 Companies to verify your information: Lexus Nexis is one of them. These companies are used to cross reference your reports and disputes letters. This is how the claim to 'Verify" derogatory marks. Basically if it shows' on Lexis Nexis the credit bureaus will state that the negative item is "Verified" without ever contacting the collection agency or the original creditor.

3 - You should NEVER pay a collection agency. By Law, you did not receive credit or merchandise or service from the collection agency. The collection agency purchased your "debt" from the original Creditor. Now the original Creditor has "Written Off" you debt as uncollectable. Then they sell the "Debt" to a collection agency for pennies on the dollar. When the collection agencies contact you they say there were" Hired" by the original Creditor. This is incorrect as the original Creditor has "Written Off" your debt. You do NOT OWE the collection agency anything, as you do not have the contract between you and the collection agency for the 'Debt" amount.

4 - When the Collection agency receives the "Debt" from the original Creditor, the collection agency does not have all your information. The collection agency will contact you, they ask YOU to verify the information. At that point, once you "Verify" the information, (Which they never had in the first place), now they can say the debt is your and you have to pay.

5- The Credit Bureau is then required to conduct an investigation and verify the item/account with the creditor. Since you do not owe the collection agency.

When the creditor cannot verify that the item/account does indeed belong to you, then the Credit Bureau is legally required to remove the item/account from your credit report immediately.

Fully automated calendar to capture all your appointments.

If someone does not show up for their appointment, the automatic system will send them a text and an email and get them to rebook their appointment.

We offer a 4-7 month Credit Repair / Coaching Program. Each round of disputes are sent to the Credit Bureaus and take roughly 40-60 days for results. We do 4 rounds per client to attack all negative items on your profile each round.

We will share personalized tips, articles, and tools to help you keep your credit report and score looking as good as possible! We will teach you how to leverage the banks money to invest into yourself or your business.

After you have a clean credit report and history along with being in the '700's club', you then have multiple opportunities start your own business or create passive income with our other services offered!

Phone Number: 541-304-3044

Email: Info@AlyeskaConsultingGroup.com