Contrary to what the credit bureaus would like you to believe, credit repair does work and can work for 100% of people in most circumstances. This is, of course, provided you are getting the best advice and have an experienced professional working on your case. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit repair; however, there are times when your own limitations make adhering to this advice impossible. The two limiting factors are: (1) your financial situation and/or (2) the time-frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items, if the creditor does not adhere to the law that outlines what needs to be done within a specified time period.
Yes. The credit bureaus and creditors are required by law to follow procedures to insure accuracy in reporting. When they don't follow the law, your credit can be affected. Once you dispute an item, the law requires them to go back and make sure it is accurate or it must be removed.
We act as your representative due to our working knowledge of credit scoring and experience working with creditors and credit bureaus. It may often be difficult for an individual to communicate with creditors and bureaus without an adept understanding of the techniques and regulations in place for credit reporting. Often, when someone tries to repair their own credit, they do more damage than good. If the bureaus think you are trying to "clean-up&" your credit, they will use stall tactics to delay or even prevent you from seeing results. Another common mistake that people make when working on their own credit is that they inadvertently give out negative information to creditors and the bureaus even when not asked. Meridian Credit Services knows when to give out information and when not to, so we don't end up damaging your credit further or preventing you from getting the resolve you deserve.
Through our services, 93% of our clients see FICO score increases of 10 points or more in the first 35 days. Over the full 180 day term of the contract, the average FICO score increase is 50-100 points. However, each clients credit needs and circumstances are different. Results may vary.
There are two sides to the credit score battle. Sometimes, your creditors and the bureaus have done absolutely everything right and we have no case against them. However, typically Meridian Credit Services is able to remove 70% of the negative items from a credit report. We have spent years studying credit laws along with building the best methods to work with creditors and the credit bureaus in obtaining the most optimal results. We stay educated weekly through a network of attorneys, lawmakers, and credit bureau directors in order to give us the best chance at success on your behalf.
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. There are very rare circumstances, where this does not hold true.
Through our services, we can normally remove the following: bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens, student loans, and more.
There are no items that cannot be removed.
- Client continues with late payments and not paying bills.
- Client doesn't forward the credit bureau updates or creditor letters in a timely fashion to Meridian Credit Services.
- Client tries to make contact with bureaus and creditors at the same time Meridian Credit Services is working on their file.
No, they are private companies that make money by collecting information about you and selling it to creditors. They are not obligated to insure that your credit report is accurate, that is your responsibility.
