Our Credit Repair Services
WHAT WE DO AND HOW WE ARE DIFFERENT!
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 TRW Credit Group receives your file, a skilled credit analyst reviews your reports to determine which items can be challenged that when removed will result in an improved credit score. TRW Credit Group then challenges derogatory items, with a letter demanding the reporting company prove that they are in compliance with the laws and regulations and remove the challenged item. This process is repeated with each of the three major reporting agencies. When this process is complete, a report is sent to the client detailing the steps that have been taken.
Within 60 to 90 days, the credit bureaus respond with a verification or deletion summary that shows the results of each challenge made. Overall average success rate is between 85% and 95% of unverifiable derogatory items removed. Best of all, the items that tend to be removed first are those that are the most harm your credit, such as bankruptcies, tax liens, judgments, charge-off, repossessions, student loans. While the full process takes up to four months, many clients see enough improvement their score to allow them to qualify for a mortgage or low interest car loan in as little as 45 to 90 days.
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