Services
Let's Erect Your Credit
Erect Credit is a credit service company that works on behalf of clients to help clean up their credit rating. We are a full-service credit repair agency that goes directly to credit bureaus and creditors to challenge questionable items. We also update our clients in real time, using a personal progress dashboard where you can view the status of your account any time, including items that are currently being processed.
Credit Repair
Our team is passionate about credit repair and holds industry-recognized certifications. We stay up to date on the latest Fair Credit Reporting Act (FCRA) regulations to ensure our methods are legal and effective. We keep you informed every step of the way, from analyzing your credit report to communicating with credit bureaus. You’ll have access to a dedicated consultant to answer your questions.
We prioritize sustainable credit improvement through accurate dispute processes and building your financial knowledge. We don’t believe in quick fixes or deceptive tactics that could harm your credit in the long run.
A credit tradeline is like a mini-report card on your credit report. Each line details a specific account you have with a creditor, like a credit card or loan. It shows information like the creditor’s name, account type (credit card, mortgage, etc.), credit limit, opening date, and payment history.
Positive payment behavior builds a healthy tradeline, while missed payments or late charges can drag it down. Every credit account you have creates a separate tradeline on your report, giving lenders a snapshot of your overall creditworthiness.
How do you buy tradelines with Erect Credit?
Boosting your credit with Erect Credit is a straightforward process. Here’s how it works:
Specify Your Needs:
Browse our available tradelines inventory and submit your application, indicating your preferences.
User Matching:
We’ll add you as an authorized user to a suitable credit line and update your credit report. You can purchase multiple lines as needed.
Enhance Your Credit:
Leverage your credit history to strengthen your credit report
Authorized User Tradelines
EWS Removal
Been Denied A Bank Account Due To Early Warning Services®?
Let Consumer Services help you to properly file a dispute on the negative information banks have reported to the Early Warning Services ® database which is causing you to be denied.
- Properly Prepare Your Dispute For The Best Results
- We’ve Helped Thousands Restore Their Bank Account
- Stop Being Denied Because Of Early Warning Services ®
- Remove Negative Listings In Early Warning Services ®
Were You Denied A Bank Account due to ChexSystems Reports?
Then let Erect Credit help you to properly file dispute against the negative information banks have reported to the ChexSystems database. Erect Credit helps restore your banking privileges! Call Erect Credit Today.
- Erect Credit Properly Prepare Your Dispute For The Best Results
- Erect Credit Has Helped Thousands Restore Their Banking Privileges
- Don’t Be Denied Because You’re Listed In ChexSystems
- Dispute The Inaccuracies Reported To ChexSystems
Stop Being Denied A Bank Account
Use Erect Credit To Dispute The Reporting At ChexSystems.
ChexSystems Removal
Credit Consulting Service
Are you stuck in a cycle of debt or frustrated by a less-than-ideal credit score? You’re not alone. According to a recent study by Experian, a whopping 33% of Americans have subprime credit scores (below 660), which can significantly impact their ability to achieve their financial goals.
But don’t worry, there’s hope. KeyPoint Credit Services’ credit consulting service is here to offer you a pathway to build a brighter and more secure financial future. Whether you’re looking for comprehensive guidance on your individual credit profile or looking for ways to improve your business credit standing, our credit score consultants are here to help you every step of the way.
We understand the stress and challenges that come with financial insecurity, and we’re committed to providing relief from your current situation and a hopeful outlook. With our personalized approach, we can help you take the necessary steps to improve your credit score and take control of your financial well-being.
Let’s work together to create a better financial future for you!
Understanding Your Credit Situation
Before we delve into credit consulting and what it entails, it’s essential to understand your unique credit situation.
Your credit report is a vital document that paints a picture of your financial responsibility. It plays a significant role in shaping your financial future, impacting everything from securing loans to obtaining affordable housing.
This section will equip you with the knowledge you need to understand your credit report, analyze its contents, and identify areas for improvement.
Popular Questions
The timeline for credit repair varies significantly from person to person, as no two credit profiles are exactly alike. While it would be ideal to offer a standard time frame, the reality is that several factors influence how long it takes to see meaningful improvements in your credit score.
Many will ask me to forecast or predict the outcome of their service, or the credit score they might expect. I never make predictions as to outcomes or scores because that would infer that I know the proprietary algorithm of “FICO”.
There are time limits for how long negative credit can remain on the report. In reality, there is no “MUST”, and the creditor or the credit bureau can decide to have the negative credit items deleted whenever they please.
Except: The FCRA exists to protect against something remaining on a report forever.
The credit bureaus would report every piece of negative information forever if not for the FCRA, which mandates that most negative items must be deleted from the credit report in no more than 7 years from the date of last activity (DOLA).
By The Way: DOLA means your activity, not the creditors!
Bankruptcies can remain on a report for up to 10 years.
Regardless of how bad the credit item is, the law will require that the credit bureaus stop reporting it after these set time periods. The keyword above is “no more.” The fact is the credit bureaus can remove items whenever they want to. So if you see an item on your credit report that is past the allowed reporting date, immediately dispute it, or have the licensed credit professional do so on your behalf.
The “Free” credit scores that you see advertised on television and online are typically never those that are used in making retail or mortgage credit decisions. They are usually not even actual credit scores used in lending decisions. Even when purchased directly from the 3 bureaus, they will not normally supply you with the actual scores.
There are currently 28 versions of the FICO score. There are 10 for Experian, and 9 each for Equifax and Transunion. Each version uses all of the information contained on that bureau, but weighs the items differently depending on the purpose of the inquiry.
A mortgage FICO score will differ from an automobile FICO, and both will differ from a credit card or personal loan FICO.
Be aware that most online credit monitoring sites do not provide actual FICO scores, but simulations which are often far from accurate because of the many variables between purposes.
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