There are a total of 3 credit bureaus you need to concern yourself with: Equifax, Experian, and TransUnion. There may be a other smaller credit bureaus that collect your data, but you will likely never need to communicate with them.
However, even with a high level of customer satisfaction, we cannot guarantee that we will be able to fix every item on your credit report---and you should be wary of any company that says they can. A great credit repair company is like a great attorney: they cannot guarantee you a win, but they have a high win rate that speaks for itself.
Nevertheless, our guarantee is that we will do our best to fix all items we agreed to fix. If we are unable to successfully dispute any items, you will not be charged for them.
You will receive a phone call about once a month from one of our representatives, who will go over the current status of your file. Additionally, if you have provided us with an email address, you will receive a status report each time there is an update on your file.
You are also welcome to contact our office or your assigned consultant at any time to inquire about your status.
Click here to view a sample of an emailed status report.
When it comes to a person’s credit, there are two types of people: those who care about what’s on it and those who don’t. Regardless of which group you are in, you can be assured you will be affected by it in one way or another and more so if you are trying to get ahead in life.
Your credit profile can matter in the following situations:
- If you are applying for credit cards.
Even if you’re a person who likes to use cash only, having credit cards makes it convenient to pay your bills or purchase items online or over the phone. Not to mention that carrying around a lot of cash is not a good idea. - If you are attempting to purchase a car.
Unless you have the funds to pay for a car in full, you will need to obtain a car loan. If you have bad credit or not enough credit history, you will not be able to obtain a car loan, unless you can find a co-signer with good credit. - Applying for a home loan.
Unless you can pay for a home in full, you will need to obtain a home loan. Obtaining a home loan requires good credit. - Applying for a job.
Many employers nowadays will check your credit and use it in the process of qualifying you for the job. Your credit is especially important if you are applying for a job in the financial industry, law enforcement, or other positions where money may be involved. Employers do not want to hire people who may be susceptible to stealing or accepting bribes out of financial desperation. If you are heavy in debt and are having trouble paying your bills, your credit report will show this. - Looking to rent a home or any other type of unit.
Whether you are attempting to rent an apartment from a large complex or a home owned by an individual, your credit report will play an important role in the screening process. If your credit is not good, you could be required to put down a larger security deposit or to get a co-signer with good credit. In the worst case, the owner could choose not to rent to you, at all.
