Having bad credit is totally messing with my life. I didn’t realize how bad it was until I got denied for a lease on a car I so badly wanted. The lender asked me to get a cosigner who had a stronger history to help me get approved. I was shocked and afraid. I was coming up on the final year of my apartment lease, and was saving up for a down payment on a home. I didn’t think my credit could have gotten that bad. Higher rates, I figured, but a rejection would put a major restriction on my quality of life. I felt like I was no longer in control,and didn’t know what steps to take to fix my credit.
I went online and ran a credit check to see what was impacting my credit. I quickly learned that several factors were hurting my score, such as some 120 day late payments on a student loan, and a few lines of accounts which I certainly did not remember opening. After making a few calls, I realized that getting information to understand the items let alone removing them off of my report was like a full time job. I was panicking because it can take up to 10 years for items to come off your credit report. It got me thinking about all the things I might not be able to do, and how my life would be forever affected. When I explained my situation to a friend I could trust, he told me to try CreditRepair.com, a professional service which helps people fix their credit.
Before signing up, I decided to do a little more research on CreditRepair. I learned that they work directly with the credit bureaus and creditors to get information as to why certain items are on your credit report. Once they have collected this information, they then work with you to verify these items on your report. CreditRepair understands that life can get out of hand, and that sometimes, trustworthy candidates can get screwed out of good credit scores in the process.
Feeling assured with their service, I decided to sign up. On my consultation call, my personal CreditRepair representative, worked with me through the process, answering my questions with patience and knowledge. She made me feel confident that together we can improve my credit score. She explained that for most items she saw on my report, they would send their lawyerly “challenge letters”, to which creditors have to respond or refute, or the items get removed. CreditRepair has methods of getting creditors to exercise leniency as well. For example, if you have issues with high student loans, bankruptcy, an expensive divorce, or high medical bills, Credit Repair will alert creditors of this as they did when they mentioned my outstanding student loans in challenge letters so that creditors would potentially give me more leeway.
When I navigated the online dashboard, I was able to see my credit score from all 3 bureaus along with the positive and negative items impacting my credit. The coolest part was that I could even challenge items on my report from the dashboard. This made communication with the CreditRepair team easy and seamless. I decided to challenge a few items which sent an alert to the CreditRepair team to refute the items. During just the first month of my subscription, I received my first 2 removal emails from CreditRepair! This made me feel like I was taking control back of my life.
As a result of
CreditRepair’s efforts, my credit score shot up 22 points during the first two months of my subscription. I got approved for my car after getting denied, and even the car salesmen was impressed with the results. I wasn’t embarrassed anymore, and had achieved the goal I set out to achieve. Getting denied put things into perspective, and thanks to CreditRepair I have more knowledge and control than I ever had before.
Update: The folks at CreditRepair are extending a special offer to our readers. Follow this link, or call for a free credit consultation including your free credit report summary and score!
1-866-702-9147 anytime between 7am and 11:59pm EST for a free consultation including your free summary credit report and score!
