Email us: support@creditdocsrestoration.com  |  Call us: 800-790-8362

CREDIT REPAIR

Your Credit Score Effects So Many Aspects Of Your Life.

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800-790-8362

ABOUT US

Our mission is to simply educate each and every customer on how credit truly works, so they can be released from the financial matrix.

At Credit Docs Restoration, we take your Credit seriously. We believe that your credit is the one thing that can change your life in an instant, and we understand that credit is a major factor in your overall quality of living. It can determine where you work, where your family lives, where your kids attend school, what type of car you drive and countless other things. So because of this, our company is dedicated to improving the overall quality of life for each of our clients and their families.

WE CAN HELP

Credit Docs Restoration

BUSINESS FUNDING

Does your business need a cash infusion? Our customers are having great success with business affiliates that we refer.

Credit Docs Restoration

CREDIT COACHING

We don’t just improve your credit and leave you in the dark on how to maintain it. We give you Credit Coaching and the proper education that's needed to maintain your success!

Credit Docs Restoration

FINANCIAL EDUCATION

We teach you the three major principals with helping you understand your finances so you can be released from the financial matrix.

SERVICES

Since no two credit reports are the same, we give you a FREE consultation so we can map out a plan of action for your specific credit or loan goals. We bill you after the work has been done.

We customize an In-Depth Credit Repair Strategy that is unique to your specific needs.

We will dispute with the Credit Bureaus and directly with creditors or debt collectors, and only charge you for items that have been removed or corrected. Unlike our competitors, we do not charge you monthly fees for items that were not removed or corrected. Nor do we limit the number of accounts we dispute per month to keep you in our program.

Not only will we help you to improve your credit by developing you a customized blueprint to build it properly, but we also provide you 1 on 1 Credit Coaching to ensure your success!! If we don't get results then you never make a payment.

Bad Credit Can Impact…

Where You Live

Many apartments, condo's, and neighborhood communities require a background check that includes pulling your credit. If you're buying a home, most lenders want you to be at least above a 640 FICO.

What Car You Drive

Having a low credit score can definitely impact what you drive AND how much you pay for it. If your score is below a certain number and you are stuck with secondary financing, you could pay almost DOUBLE for the same vehicle!

What Jobs You Can Have

More and more professions are requiring background checks. Anyone working in the financial or security field will tell you that a negative credit profile can keep you from being hired!

FAQ'S

What is Credit Repair?

Credit repair is the process of deleting or correcting incorrect information from your credit report.

How do you do it? By systematically disputing inaccurate, erroneous, and unverifiable entries on your credit report. Credit repair was made possible by the Fair Credit Reporting Act of 1971. This law gave ordinary consumers many new rights; one of the most important of which was the right to dispute inaccurate information on your credit report.

There are other facets of the Fair Credit Reporting Act allowing consumers to challenge the validity of their credit reports. Once a consumer has challenged or disputed items on the report, it then becomes the creditor’s responsibility to respond to those disputes by validating their accuracy or deleting them from your report.

How Long Will It Take To Repair My Credit?

Our clients typically start seeing results in 45-50 days. Because everyone’s case is different, some cases are completed in that time, but the average length for our clients is 6 to 12 months. It really depends on the type and number of items that need to be addressed on your credit profile. Successfully repairing credit requires persistence, patience and experience. This is where our expertise saves you valuable time and money. To effectively dispute incorrect information on your credit report, the key is knowing the ‘valid disputes’ and understanding the methods used by the credit bureaus in order to submit personalized disputes that meet their requirements and warrant a timely response.

How Effective is Credit Repair?

Creditors spend millions-of-dollars each year trying to convince consumers just like you and me that there is nothing we can do to repair our credit. As a result, most people have heard that credit repair doesn’t work at all, and they believe it. This is exactly what the creditors and the bureaus want you to believe. They want you paralyzed, so you won’t even try to dispute your account inaccuracies. But the truth is radically different than the myth and the legend. The truth is credit repair is the most effective and quickest way you can actually improve your credit. Credit repair is extremely effective. But results will vary GREATLY depending on your own knowledge and the methodology you use to dispute items on your report.

Simply mailing off angry letters to the credit bureaus without fully understanding how their OCR and E-Oscar computers work will not yield positive results. One of the main reasons credit repair is not as effective as it should be is that it is rarely executed properly. Going online to dispute the credit bureaus without knowing what you’re doing will be no more effective than sending letters. We understand the “dos and the don’ts” of the credit repair process. In addition, we have the knowledge needed to do the job right, and access to the most advanced dispute tactics in existence.

Will I Get Approved for My Loan, Car, Home?

We must make it very clear, Credit Docs Restoration does not give any type of loans or financing. Therefore, we can not tell you if you will be approved for any of those things. Many people come to us with very poor credit and hope to be approved for loans or funding programs with very strict financing guidelines. Remember from above, if we can’t promise you ANY item is going to be removed from your report, how could we possibly assure you that you will be approved for a loan after working with our program? We are here to help and we help hundreds of people, but please do not expect miracles.Simply mailing off angry letters to the credit bureaus without fully understanding how their OCR and E-Oscar computers work will not yield positive results. One of the main reasons credit repair is not as effective as it should be is that it is rarely executed properly. Going online to dispute the credit bureaus without knowing what you’re doing will be no more effective than sending letters. We understand the “dos and the don’ts” of the credit repair process. In addition, we have the knowledge needed to do the job right, and access to the most advanced dispute tactics in existence.

What is a Credit Score?

Your credit score influences the credit that’s available to you and the terms (interest rate, etc.) that lenders offer you. It’s a vital part of your credit health.

When you apply for credit – whether for a credit card, a car loan, or a mortgage – lenders want to know what risk they’d take by loaning money to you. When lenders order your credit report, they can also buy a credit score that’s based on the information in the report. A credit score helps a lender evaluate your credit report. Because it is a number that summarizes your credit risk.That number is a snapshot of your credit report at a particular point in time.

Credit scores are often called “FICO Scores.” Most credit bureau scores used in the U.S. are produced from software developed by FICO (Fair Isaac and Company). But it’s important to understand that not every credit score you can buy online is a true FICO Score.

What is the Fair Credit Reporting Act?

This law gave ordinary consumers many new rights; one of the most important of which was the right to dispute inaccurate information on your credit report. There are other facets of the Fair Credit Reporting Act allowing consumers to challenge the validity of their credit reports. More information from the Federal Trade Commission can be found HERE

What Shows up on a Credit Report?

Accounts/Trade lines: This includes credit cards, auto loans, mortgages, real estate, installment loans and revolving debt like department store cards. The report will include information on the accounts such as the balance, payment history, terms, and account status – such as whether the account was put into bankruptcy, charged off, or repossessed.

Collection Accounts: Collections are accounts that are seriously past due and have been transferred to a collection agency or creditor’s internal collection department. Collections can appear to be paid and unpaid (and, yes this makes a difference when disputing. Any type of collection whether it is paid or unpaid it is extremely negative.) You may also encounter multiple listings on credit reports for the same debt. This happens as the debt collection agencies sell the debt to other agencies. As debt is transferred between different agencies, there may be several records on the credit report for the same debt. Only one record should be marked as open at a time on the credit report. You should always dispute multiple items listing of the same account.

Public Records: The public information section of the credit report includes publicly available information about legal matters affecting your client’s credit. This could include judgments in civil actions, state or federal tax liens and bankruptcies. All court records, including satisfactions, are considered EXTREMELY negative by all credit grantors. Because some public record information is accessible only by visiting courthouses and other government buildings in person, the credit bureaus have to send people to the courthouse to gather the records to properly investigate. Do you think the Credit Reporting Agencies “Properly Investigate”?

Inquiries: Every time credit is applied for, a credit report is pulled. The inquiry section of a credit report includes records of businesses that have checked the consumer’s credit in the last two years. When creditors and lenders review clients’ credit data for the purpose of an application, a hard inquiry is listed on the credit report. Too many hard inquiries can harm a credit score. Statistically, consumers that have had an abnormal amount of inquiries, have had an increased average overall delinquency rate. In fact, the belief that people, who apply for too much credit, are usually not financially responsible has been substantiated with factual data.

How Much Will My Score Go Up?

As much as we would like to know, there is simply no way to know the answer to this question. There are far too many factors involved in the credit scoring model; the biggest variable being the “human factor”. We don’t know what you are going to do during this process. You might max out credit cards, get new credit, get new collections, get a judgment placed against you, or one of hundreds of other things that would change the outcome of your service. REMEMBER! Credit Docs Restoration is hired only to help remove items from your report that you wish for us to work on, the score change is simply a byproduct of our service.Collection Accounts: Collections are accounts that are seriously past due and have been transferred to a collection agency or creditor’s internal collection department. Collections can appear to be paid and unpaid (and, yes this makes a difference when disputing. Any type of collection whether it is paid or unpaid it is extremely negative.) You may also encounter multiple listings on credit reports for the same debt. This happens as the debt collection agencies sell the debt to other agencies. As debt is transferred between different agencies, there may be several records on the credit report for the same debt. Only one record should be marked as open at a time on the credit report. You should always dispute multiple items listing of the same account.

Public Records: The public information section of the credit report includes publicly available information about legal matters affecting your client’s credit. This could include judgments in civil actions, state or federal tax liens and bankruptcies. All court records, including satisfactions, are considered EXTREMELY negative by all credit grantors. Because some public record information is accessible only by visiting courthouses and other government buildings in person, the credit bureaus have to send people to the courthouse to gather the records to properly investigate. Do you think the Credit Reporting Agencies “Properly Investigate”?

Inquiries: Every time credit is applied for, a credit report is pulled. The inquiry section of a credit report includes records of businesses that have checked the consumer’s credit in the last two years. When creditors and lenders review clients’ credit data for the purpose of an application, a hard inquiry is listed on the credit report. Too many hard inquiries can harm a credit score. Statistically, consumers that have had an abnormal amount of inquiries, have had an increased average overall delinquency rate. In fact, the belief that people, who apply for too much credit, are usually not financially responsible has been substantiated with factual data.

1,298 Clients Helped

4,763 Items Removed

654 Judgments Removed

90 Avg. Pts Raised

TESTIMONIALS

My husband and I were home shopping and my credit was holding us back. Not anymore thanks to Credit Docs Restoration!

Credit Docs Restoration

Sarah Stevens, Little Rock, AR

"After the divorce, I didn't think my credit would ever recover. Not only has it been fixed, It's better than it ever was! Time to go Truck shopping! Thanks Credit Docs Restoration!"

Credit Docs Restoration

Matthew Jolly, Rome, GA

My credit took a hit when the real estate bubble crashed. I've been doing what I could on my own but Credit Docs Restoration has blown my expectations away!

Credit Docs Restoration

Luis Regalado, Scottsdale, AZ

I really appreciate the time and patience Credit Docs Restoration took with me to explain the entire process. I was reluctant at first but it was definitely worth it! I feel like a new woman!

Credit Docs Restoration

Jaclynn Alexander, Boston, MA

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CONTACT US

address 4425 West Airport Freeway, Ste 376
Irving, TX 75062

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