At Up My Fico,uses the latest in online resources to ensure speedy restoration of your financial history.
We strive to deliver results within 30 days. No one in this industry offers what we provide. Few services have direct online access to all of the credit bureaus like we do as well as several other rebuilding resources. Our goal is to assist our clients with achieving the highest possible financial history with their business and/or personal histories.
Call us at 480-712-4923, today.
Remove Negative Items From Your Credit Reports
WHAT IT IS … Quite simply, credit restoration, also referred to as credit repair, is the process of disputing the accuracy or verifiability of account information in your credit reports. Disputing information in your credit reports with the credit reporting agencies (CRAs), creditors and collection agencies is a legal right afforded to consumers through provisions of the Fair Credit Reporting Act (FCRA) and other federal consumer protection laws.
Upon receiving a dispute, CRAs and creditors have 30 days to investigate and ascertain whether the accounts are incorrect, outdated or unverifiable. If so, any such accounts must be removed from the credit report and the results of the investigation sent to the consumer within 5 days.
WHAT IT IS NOT… Credit restoration is not simply updating information on your credit report to reflect accurate account balances or status. Nor is it credit counseling or debt settlement – like you see advertised on TV so often.
QUALITY OF SERVICE MATTERS… As credit restoration increases in public awareness, and with more companies arising in the industry to provide these services, it’s important to understand the differences and quality of service among providers. After all, when it comes to any type of service being provided, it’s the methods and quality of work performed that a consumer is really purchasing.
For example; the level of competence of a car salesman doesn’t affect the quality or performance of the car you purchase. However, the level of competence and quality of workmanship of your mechanic matters greatly. The same holds true with credit restoration. The quality of service and methods used are crucial to the outcome.
Determining the steps needed to take and executing those steps requires cooperation between the credit restoration company and the customer. In addition to the dispute services provided, consultation and education of the customer is vital to maximizing credit score improvement. Often, the customer needs to take action on things which only they have control over. This would include such areas as managing revolving debt ratios, whether to pay off collections, to name a few.
You may already know that derogatory accounts that appear on your credit report will hurt your credit score. And the more negative accounts you have, the lower your score will be.
As you may imagine, a credit worthy consumer is rewarded with the best financing rates, insurance rates, employment opportunities, renting opportunities, and peace of mind. Below is an example of how much it can cost to have bad credit.
Up My Fico works with individuals internationally with the purpose of creating a better financial history. This in turn helps people to make their life’s dreams come true, with the acquisition of homes or vehicles, etc. Nobody in this industry offers what we offer. Unlike the rest, we have direct on-line access to all credit bureaus. We assist customers to achieve the highest possible financial/credit history. We Use FTC’s “FAIR CREDIT REPORTING ACT” as a legal tool to rebuild your credit. This is the only legal way to rebuild your credit safely and securely.
Up My Fico assist businesses with the acquisition of business credit as well as working with businesses to enhance their financial profiles. Up My Fico also assists businesses to eliminate derogatory information from their financial profiles.
Understanding Business and Company Credit
The Basics of Business Credit
Understanding your business credit score is an important first step in successfully running and growing your business. Your business score can be proactively managed to ensure your vendors are reporting your payment history, and monitor your business credit report regularly when utilizing this service that we offer for your business. It is going to be completed electronically which ensures an expedient 30 day process for completion.
Why Do I Need Credit?
At some point in every business, owners will require financing. Some businesses require working capital loans. Some need to establish financing in order to build their businesses by financing their accounts receivables. Establishing a good credit rating is an important financial priority for every business. Having good business credit means that owners of businesses can seek alternative financing for essential need without having to extend their personal credit.
Corporate/Dun and Bradstreet
Up My Fico is helping their clients to better their credit ratings with the Dun & Bradstreet organization. All services rendered are completed within a reasonable manner. This can be a lengthy process depending upon the number of items to be disputed. We offer a unique service that nobody in the industry can provide. The removal of negative credit items on your dun & Bradstreet business credit report is a part of the service that we provide.