Successful disputes can transform your credit report – which is exciting. But many people reach the end of their membership and find that although their credit report looks great, their scores are lagging or non-existent. Many people need more than disputes.
To improve your scores you may need to pay down or redistribute balances amongst your accounts. Some small adjustments can result in major score increases.
If you need to pay off a legitimate collection, we can help you plan your approach to the collector and strategize your negotiation.
In order to have great credit scores you need to have open and active accounts. If you need to rebuild your credit, we will suggest secured credit cards with a reasonable rate and fee structure that you can open regardless of your credit history.