PROCESS is Our Key to Success

How Does Credit Repair Work

Our goal is to help our clients gain access to a higher quality of life, peace of mind, and financial independence by removing incorrect items from their credit reports, and then helping them build a robust credit profile. We also aim to provide our clients with credit knowledge for life. That’s why we focus on educating our clients about credit, consumer’s credit rights, and how credit repair processes work – so they can successfully manage their credit profile once we’ve reached their goal!

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So, How Does Credit Repair Work?

Credit Repair Process

STEP 1

Client On-boarding

Once you enroll for CreditStryke’s Credit Repair services, your dedicated certified credit specialist will help you obtain your 3-Bureau FICO credit reports from Equifax, TransUnion, and Experian. Every credit repair journey is different because each client is unique. Your case specialist will answer any questions you have during this on-boarding process.

STEP 2

Discover & Dispute

There are literally dozens of small details and items of information that must be 100% correct, complete, and verifiable, according to the FCRA. Your credit specialist will scrutinize each of these data-points to ensure you get the credit you’re entitled to by law. Once we’ve thoroughly reviewed your credit reports with you, we will send the appropriate disputes to the corresponding credit bureau

STEP 3

Monthly Score Analysis

You will receive a personalized analysis of your credit reports and credit scores monthly. In addition, after you enroll for our services our staff is available by phone, email, or website chat to provide any information or updates you need.

STEP 4

Communication is Key

Make sure you are diligent when it comes to keeping us in the loop regarding any correspondence from the credit bureaus or creditors. Immediately take pictures of any correspondence you receive and send it to us via email or text. Please track your dispute results 24/7 in your client portal, which is great on desktop, tablet, or smartphone.

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Our Certified Credit Repair Experts Can Improve Your Credit Scores

CreditStryke

3201 Dallas Pkwy.
Suite 200
Frisco, TX 75034
(469) 708-0007

How Does Credit Repair Work?

Credit repair is the answer to the question, “How to fix my credit score“. It is the process of disputing and removing the negative items on your credit report. Millions of Americans are victims of incorrect negative items wrongfully lowering their credit score. Unfortunately, most don’t even know. Bad credit isn’t a life sentence. While your current score may be below average, that doesn’t mean it has to stay that way.

To remove negative items from your credit reports, credit bureaus require you to work through their complex online systems and mail a series of formal dispute letters. CreditStryke can identify and challenge questionable negative items on your behalf using our credit repair process to make the disputing process easier for you. Let’s take a Closer Look at the Truth About Credit Repair.

How Is Credit Repaired?

Some common credit repair tactics include correcting credit report errors and disputing other inaccurate unsubstantiated elements. Other credit repair strategies include removing auto repossessions from your credit reports, disputing to remove bankruptcy from your credit.

Who Actually Does the Credit Repairing?

It’s possible for a person to repair their own credit alone, but the process is typically to complex, frustrating, and time-consuming for many consumers. Thankfully, a number of credit repair businesses exist that will dispute errors on your behalf with the credit reporting agencies.

Fixing errors on your credit report may only go so far if other factors are involved. Before we start to fix your credit you must be certain you’re in a position to make timely payments on all of your bills from here forward.

Does Credit Repair Really Work?

Yes. For most consumers, going through the credit repair process, even for only a few months, can have a major positive impact on that consumer’s credit scores. While it is a deliberate process, it is also highly effective – but not ever guaranteed.

How Long Does Credit Repair Take?

Every credit repair journey is very different from others. Our average client is in our credit repair program for an average of 4 months. Some clients spend as long as 9 months. Generally, the Fair Credit Reporting Act requires that credit reporting agencies, collection agencies, and original creditors, investigate a consumer’s dispute within 30 days of receipt of the dispute. This time frame can be extended from the 30-day period to 45 days if the consumer provides additional information relevant to the investigation during the initial 30 days. Every credit repair journey is very different from the others. Generally, the Fair Credit Reporting Act requires that credit reporting agencies, collection agencies, and original creditors, investigate a consumer’s dispute within 30 days of receipt of the dispute. This time frame can be extended from the 30-day period to 45 days if the consumer provides additional information relevant to the investigation during the initial 30 days.

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Collections on your credit report makes an enormous negative impact on your score. Paying off a collections account does not automatically remove it from your credit file.
Charge-Offs can drastically reduce your credit score and stay on your credit for seven years. Our credit repair experts can dispute these items directly with the credit bureaus.
Late payments typically stay on your credit report for seven years and can negatively impact your credit score as long as they remain on your credit history.
Repossessions can be removed from your credit report in some situations, especially if they are inaccurate. There are a several strategies we can utilize to try to remove one.
To remove a bankruptcy from your credit report, you’ll need to find evidence that the bankruptcy was reported inaccurately. Otherwise, it will only come off after seven or ten years.
Removing a foreclosure from your credit report requires time and patience. You can dispute it, but you’ll need the right documentation to demonstrate that it doesn’t belong on your credit report.
IMPROVE YOUR CREDIT WITH EXPERTS

CreditStryke Credit Repair Consultants Make It Easy!

IMPROVE YOUR CREDIT WITH EXPERTS

CreditStryke Credit Repair Consultants Make It Easy!

LET'S CHAT

Get in Touch

Due to Covid-19 we are currently on an appointment-basis only. Please don't hesitate to call, text, or email us anytime to discuss your personal credit repair circumstances.
CreditStryke
3201 Dallas Pkwy
Suite 200
Frisco, TX 75034
Call or Text
(469)708-0007
Email us
admin@creditstryke.com
LET'S CHAT

Get in Touch

Due to Covid-19 we are currently on an appointment-basis only. Please don't hesitate to call, text, or email us anytime to discuss your personal credit repair circumstances.
CreditStryke
3201 Dallas Pkwy
Suite 200
Frisco, TX 75034
Call or Text
(469)708-0007
Email us
admin@creditstryke.com

CreditStryke

CreditStryke
3201 Dallas Pkwy.
Suite 200
Frisco, TX 75034
(469)708-0007
1(800) 394-6768

Copyright © 2021 CreditStryke, LLC. All rights reserved. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. CreditStryke, LLC. does not provide legal advice. CreditStryke, LLC. does not guarantee the permanent removal of verifiable trade-lines or make promise(s) of any particular outcome whatsoever. CreditStryke, LLC. requires active participation from its clientele regarding requested documents and information, including investigation results for the sought-after outcome of a healthy, accurate credit report.