Credit Butler

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What We Do:

Reviewing Credit Reports

The first step in credit repair is obtaining and closely reviewing credit reports from the major credit bureaus (Experian, Equifax, and TransUnion).

Identifying Errors

Once you have your reports, you should look for any inaccuracies or errors. These can include incorrect personal information, accounts that don’t belong to you, duplicate accounts, outdated information, and incorrect account statuses.

Disputing Errors

If you find errors, you have the right to dispute them with the credit bureau and the entity that provided the information (like a lender or collection agency). The dispute process typically involves sending a formal dispute letter and providing any evidence you have to support your claim.

Addressing Legitimate Negative Items

If there are legitimate negative items on your credit report (like late payments or defaults), you can work to address these by negotiating with creditors, setting up payment plans, or working towards paying off outstanding debts.

Improving Credit Habits

Alongside addressing errors, improving overall credit habits is crucial. This includes making timely payments, reducing debt levels, avoiding new credit inquiries, and maintaining a good mix of credit.

Credit Counseling

Sometimes, it might be beneficial to seek assistance from a credit counseling service. These agencies can provide advice on managing debt and improving your credit score.

Understanding Your Rights

The Credit Repair Organizations Act (CROA) ensures that credit repair companies must provide a written contract detailing their services, allow a three-day cancellation period, and cannot charge until services are completed.

Addressing Legitimate Negative Items

If there are legitimate negative items on your credit report (like late payments or defaults), you can work to address these by negotiating with creditors, setting up payment plans, or working towards paying off outstanding debts.

Building and maintaining good credit takes time and effort, but it’s achievable through honest and ethical means.

Address

Las Vegas ,NV