First of all, here is what you should know about the three major credit reporting agencies Equifax (CSC Credit Services), Experian and Transunion.  These are multi-million dollar corporations that operate for profit.  They are not affiliated with the government in any way! They make their money by selling your personal information to creditors for credit and insurance offers.  They also sell your information to employers and landlords but worst of all; they sell your private personal information to telemarketers and mailing list companies without your permission.  Do you really think that these big corporations have your best interest in mind? They will admit that errors exist on credit bureaus, but they go on to state that it is not their job to ensure the information is accurate.  It is up to you, the consumer, to prove that your report is inaccurate.

WHAT CAN WE DO FOR YOU?

The Federal Trade Commission and Consumer Credit Protection Act have enacted hundreds of regulations that credit reporting companies, collection agencies and credit bureaus must comply with in order for any reported item to remain on your report.  When A.R.I. Financial receives your file, a skilled credit analyst will review your report to determine which items can be challenged and the best way to dispute them to help improve your credit profile.  A.R.I. Financial then will challenge derogatory items with a letter demanding the reporting company prove that they are in compliance with the laws and regulations and demanding that the challenged items be removed.  The process is repeated with each of the three major credit reporting agencies.

Within 35 to 45 days after disputing, the credit bureaus respond with a summary that shows the results of each challenge made.  Our overall average success rate in removing unverifiable derogatory items is approximately 90%.  Best of all, the items that tend to be removed first are those that are the most harmful to your report, such as bankruptcies, tax liens, judgments, charge-offs, repossessions and student loans.  While the full process takes an average of four to six months in most cases, many clients see enough improvement in their score to allow them to qualify for a mortgage or low interest car loan or any application that requires credit history in as little as 45 to 90 days.

WHAT DEROGATORY ITEMS CAN BE REMOVED?

You can rely on our extensive knowledge of the Fair Credit Reporting Act and the Fair Debt Collections Practice Act, along with our many years of experience and time proven letter writing, forms and Lawful Notices.  Our service can remove inaccurate negative, unverifiable and incomplete information from your credit reports with all 3 major credit reporting agencies.  This includes removing:

·         Bankruptcies

·         Foreclosures

·         Tax Liens

·         Civil Liens

·         Judgments

·         Repossessions

·         Charge Offs

·         Medical Bills

·         Student Loans

·         Inquiries

·         Late Payments

·         Old Information

·         Slow Pays

We have had great success helping people with every kind of credit problem. Our Credit Repair Service has helped many people restore their credit and raise their Beacon Score. 

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Please fill out the online application and click submit button. This will automatically email one of our Credit Analysts. We will contact you as soon as we receive your information. Your information will NOT be shared with anyone or any entity and it will be kept confidential.