Why CRA?

What We do

1. Credit Report Analysis:

Review Credit Reports: Obtain and review credit reports from major credit bureaus (Equifax, Experian, and TransUnion) to identify errors, inaccuracies, and areas that need improvement.
Identify Issues: Pinpoint specific problems such as incorrect personal information, inaccurate account details, outdated public records, and accounts that don’t belong to the client.

2. Dispute Resolution:

File Disputes: We will file disputes with credit bureaus and creditors regarding inaccurate or outdated information on your credit reports.
Provide Documentation: We will gather any documentations you may have and submit supporting documentation and evidence to back up the claims.
Follow Up: We will Monitor the status of disputes and ensure that the credit bureaus and creditors address and resolve the issues.

3. Credit Education:

Educating: Proving Clients with information on how credit scores work, how to read and interpret their credit reports, and what factors impact their credit score. We provide practical advice on improving credit scores, such as managing debt, making timely payments, and reducing credit utilization.

4. Negotiation and Settlement:

Negotiate with Creditors: We will work with creditors to negotiate settlements or adjustments on outstanding debts or accounts in dispute.
Settlement Agreements: We can/will assist clients in understanding and agreeing to settlement terms if needed.

5. Credit Building Strategies:

Develop Strategies
Recommend Tools: Tools and services that can help improve credit over time.

6. Monitor Progress:

Track Improvements: Regularly check credit reports to monitor the impact of the disputes and credit-building efforts.
Updating Clients: We keep you informed with changes in their credit reports and improvements in their credit scores.

7. Compliance and Ethics:

Adhere to Regulations: We ensure all actions comply with credit repair laws and regulations, such as the Credit Repair Organizations Act (CROA).
Maintain Integrity: We provide honest, transparent services and avoid making false promises about credit score improvements.

8. Customer Support:

Ongoing Support: Continued support and guidance to clients throughout the credit repair process and beyond.
Address Concerns: We answer any questions clients have about their credit repair journey and provide solutions to any issues that arise.