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Last Updated: 8/26/2014 21:31 PST

How to Remove Negative Items from Your Credit Report & Raise Your Score

How to Remove Negative Items from Your Credit Report & Raise Your Score

Most people looking to buy a car, rent a house, or obtain a mortgage understand the importance of their credit score. It can literally make or break your ability to get the financing you need to live the life you want.

Unfortunately, many don’t even know their score until they need it, and only then discover that something is terribly wrong – they get turned down on a loan, or have to pay much higher interest rates and monthly payments because of a poor credit score.

Negative items on your report will have the most harmful impact on your credit score. Just one 30-day late payment or collection can pull your score down by 60 to 110 points. Worse, many people are shocked to learn how many inaccurate items make it onto their credit reports. And unless those inaccurate items are found and disputed, they will remain on your credit report for up to seven years.

That means it’s totally up to you to get your negative items removed from your credit record.  Not surprisingly, it’s also the single most effective way to improve a credit score.

There is a disputation process mandated by Federal Law that should, in theory, be relatively simple and straight-forward. However, many consumers quickly discover that creditors and debt collectors can make the process far more difficult than they imagined.

Where can consumers turn for help?

One of the most effective services to aid consumers is provided by a credit repair firm called Credit Restore USA. It’s a company that specializes in providing low-cost and highly effective help to consumers looking to clear up negative items and improve their credit score.

With over 16 years of experience, people are increasingly turning to Credit Restore USA as an alternative to going through the painstaking process of disputing and following up with the credit bureaus and creditors themselves. A big part of the reason is because Credit Restore USA makes it easy for their clients. Each client has a different need; therefore, a custom approach is taken for each client.

How do they do it?

The first step is to contact Credit Restore USA and complete their online enrollment process, which takes about 10 minutes. You’ll receive a welcome email with details on how to access your personal client portal, which is available to you 24/7 and lets you track the status of your credit repair. Each month you’ll receive updated credit reports you can upload to your client portal.

Credit Restore USA will review your credit report in detail with you and help you identify the negative items that are dragging down your score, which may be subject to removal. You should get a good understanding of what items are affecting your score and what Credit Restore USA may be able to assist you with.

Finally, Credit Restore USA goes to work to leverage your consumer rights, utilizing their unparalleled experience to engage the credit bureaus and individual creditors. They will prepare and send the appropriate challenges and disputes.

Credit Restore USA is also available by phone or email to provide useful coaching regarding other credit score enhancing steps you can take. You can view and monitor your casework and results 24/7, with your client portal.

There are a number of less-than-reputable credit repair services out there that attempt to get a large upfront payment from consumers for their services—and then deliver very little, or even no benefit. Consumers should be extremely careful who they work with. 

Credit Restore USA, on the other hand, is one of the most respected and successful services in the industry. They offer straightforward monthly service packages, starting as low as $49, so you know exactly what service to expect. Clients are not asked to make any long-term commitments, and can cancel the service at any time without penalty. 

If you are ready to make positive changes to your financial situation, contact Credit Restore USA to get back on track with your credit. Their affordable and effective program can help change your life.

Click here to see how easy it is to enroll.

This article sponsored by Credit Restore USA Copyright Howlifeworks.com 2014