Right about now you’re wondering how your past credit situation has just kept you from buying your new refrigerator, car or boat, you name it. Your job is solid, you’re paying your bills on time, and you’ve just been turned down for financing due to poor credit. And, if it was a new mortgage, you’re told your poor Credit Score keeps you from getting the lowest interest rate. First, understand that everyone who has ever paid a bill has three different credit reports. Surprisingly, they rarely match up. If you’re married and looking for joint credit, that’s six different reports. And, when you apply for credit, the creditor uses, not the average, but the lowest of your three scores. If you’ve ever called or written one of the Credit Agencies to fix their errors, you know how difficult it is to accomplish. They literally hold your lives in their hands. Now, with ABC, you can get the help you need to repair your credit, and improve your Credit Score.

ABC Credit Repair is the most reliable Credit Repair Programs available. We merge our knowledge of credit repair and credit reporting laws with our efficient and successful program. We approach every client’s credit report challenges with our built-in promise to provide you with long-term credit improvement.

You deserve to have a credit history which accurately reflects your creditworthiness. Many of the Credit Reporting Agencies’ rules and regulations were created without regard to borrowing or default statistics, and with even less regard for consumers who may make poor, or wrong, judgments in handling their credit.
For example, the arbitrary assignment of 7 years for listing a bankruptcy on your Credit Report is pulled out of thin air. There is very little data on individual or small business bankruptcy recidivism. Credit Reporting Agencies would leave all historical data on your report, from the day you first acquired credit, if they could. There are Chapter 7 bankruptcy individuals who never had a late payment in their lives, either before or after the bankruptcy, because they juggled their multiple credit accounts to insure they met payments on time. Despite the 7-year rule, many people are able to get back on their feet in as few as 2-3 years.
Credit Reporting Agencies rarely showcase information which redounds to the benefit of individuals. That’s where ABC steps in to help. Our primary goal is to guide you in repairing the data in your file to improve your credit and increase your Credit Score.

How will we help you?

We have helped clients remove and repair thousands (countless?) of mistakes from their Credit Reports.
Errors are found in virtually every area of credit reporting: bankruptcies, collections, judgments, property liens, foreclosures, credit balance charge offs, late payments, and repossessions of autos, boats, motorcycles, and RVs, etc.
ABC has documented results, with unique programs affordable for everyone. Imagine getting charged an extra ¼% on your new mortgage, because of an “average” Credit Score. On a $100,000 mortgage at 5¼%, that ¼% will cost you more than $5,500 over the 30-year life of your mortgage. An interest rate in the 6’s or 7’s, will cost you even more! When you compare our Credit Repair service to those costs, you can see the value of repairing your credit, BEFORE applying for more.

Credit Bureaus are required by law to provide you only certain aspects of your rights. The Fair Trade Commission is on your side. The Fair Credit Reporting Act (FRCA) may be long and involved, but it’s the basis of your rights. There are two great articles on the FRCA, Yale University’s “A Summary of Your Rights Under the Fair Credit Reporting Act,” and Wikipedia’s "Fair Credit Reporting Act," which says that even the Consumer Data Industry Association, which represents the Credit Bureaus, attributes a 2% error rate. That’s over 1 million credit reports that have mistakes. Industry experts believe the error rate is more likely over 50%, mostly because the Credit Reporting Agencies suffer no consequences whatsoever for incorrect reports, so long as they change they change or remove the challenged information.
We, at ABC, will explain all the rights Credit Bureaus don’t want you to know. We will use your rights to repair your credit reports. We’ll use your rights to improve your Credit Scores. And, we’ll be there to help you keep your reports clean and up-to-date.

Anyone can hire a Consumer Reporting Agent to check into the financial background of an individual, which can then be used in employment decisions, whether it’s hiring, promotion, or termination. These investigations generally are instigated when that employee is dealing in money, securities, or other high-value items.
The Employee also has rights. You cannot be discriminated against due to past financial problems. You must be notified whenever an employer initiates an investigation into your past financial history. The employee has the right to receive a copy of the completed investigation. You may not be terminated during the investigation period, and the employer must keep your information confidential whenever possible.

No one is more affected by your Credit Report than you. You need to take an active role to make your credit work for you, not against you. ABC will show you how to deal with Credit Reporting Agencies. ABC will analyze your reports, find erroneous information, and then repair information in question. ABC will guide you in becoming a part of the conversations between Credit Reporting Agencies and your Banks, Finance Companies, Retail Stores, etc., so that you’re in control, not them! ABC will give you recommendations on what can be done immediately, as well as in the long-term, to improve your credit.

Unlike many Credit Repair companies, ours is not an automated system which handles only disputes. Our method has proven successful for cleaning up your entire report and eliminating all discrepancies which results in useable good credit. Our depth of knowledge and experience will be put at your disposal to restore your credit. ABC Credit Repair gives you a brighter future, with many more possibilities, both personally and in your business. No Credit Repair company can guarantee outcomes, but we do guarantee our ability to maximize the positive results of our repair work on the mistakes in your reports.