Why You Need Complete Accurate Credit Report Repair

If you've been on the internet for any length of time, then you probably know of the concept of" COMPLETE ACCOUNTING" (also called "TRUE ACCOUNTING") but might not be completely familiar with what it means. For the uninitiated, a "COMPLETE ACCOUNTING" service is one in which a business or individual obtains their credit report from all three major credit bureaus and checks to determine if there are any errors, inaccuracies, or fraudulent activity. They then take whatever steps are necessary to correct the problems and make the necessary changes to your credit report. Click here for more details about BÁO GIÁ DỊCH VỤ KẾ TOÁN TRỌN GÓI

Many businesses and individuals use a credit repair service because they know that credit reports have varying standards of accuracy. There are differences between the reports from credit reporting agencies and how each bureau decides whether to report an item to a company or not. A good credit repair service can help you get the best results in both situations.

To use a credit repair service, you must provide them with one or more of the following documents: Your recent credit report, a letter from each of the credit reporting agencies describing the error or fraudulent activity, a copy of your birth certificate, a bill paying stub or bank statement, and a current credit score card or lease contract. These documents are all needed in order to effectively begin the process of fixing your credit. If any of these items are missing, it's a good idea to contact the credit bureaus immediately so the issue can be remedied prior to beginning any type of credit repair process.

The biggest advantage to using a credit repair service is the cost. Depending on what type of dispute you have, you could save hundreds, even thousands of dollars by hiring someone to deal with your errors and provide you with the proof you need to have the items deleted from your credit reports. Many people mistakenly believe that once they have their credit disputes in the mail, the dispute is gone and there is no need to do anything further. This simply isn't true, though. The credit bureaus keep track of how many items are sent to them for review and will re-handle some of them in an effort to get rid of them.

Another way to save money is by simply having a credit report dispute letter ready and available when you need one. Credit bureaus need to send you a letter regarding any item on your credit report that doesn't belong, but are only notified by you when you write a letter to them. If you don't have a letter ready when you need one, you may be missing out on a possible resolution to your dispute before it has time to go through. In addition, if the credit bureaus don't respond to your dispute within 30 days, you are required to send the dispute to the entire collection agency that has been sending you letters.

If you are receiving collection agency phone calls or letters, this is another reason to have a complete credit report repair service in place. These unscrupulous collection agencies are known for sending threatening and intimidating letters that have a tendency to scare consumers into backing down on their claims. This doesn't make them any better at their job of collecting on delinquent accounts, either! If you receive a threatening letter, don't ignore it - immediately send back a letter to the collection agency calling your creditor to demand that they remove the disputed item. Don't let these collection agents stop you from getting what you rightfully deserve.