Getting Inaccuracies Removed Is No Joke

What is an inaccuracy? 

Can you get it removed?

Will your score go up if it is removed?

Do inaccuracies lower your credit score?

Everyone wants better credit. However, credit repair scams have created doubt and basically are destroying the value of true credit repair solutions. Yes, credit repair scams exist. As in every business, competitors will stop at nothing to profit and do not care about helping people. Still, credit repair is a necessity and we believe should be an honorable service for the public. Innovative Credit Consultants represents what credit repair can do and should do - with integrity.

Even though everyone wants better credit, they don’t believe it is possible because they don’t understand how it works. People are warned to avoid companies that “promise to get you a better score.”   This could be good advice since word play does trick consumers. However, it can scare people away from the reality of how to achieve a better score. Even the Federal Trade Commission warns the public about credit hoaxes and while they are quick to point out flaws, they do no provide an answer for consumers with legitimate credit report problems. 

Creditors and Credit Bureaus hold a lot of power but behind it all is a group of regular people going to work everyday making countless errors that bring your score down. It really comes down to how information about you gets passed along and data entry. You may have heard the shocking statistic that 65% of all credit reports contain inaccuracies! This fact is why credit repair companies can take advantage but why Innovative Credit Consultants believes the public needs a trustworthy outlet for credit report help. 

Credit Repair is not just about getting a better score but obtaining an accurate and current credit report that represents the real you. Inaccuracies are common and if they are corrected your score will go up. It is true. If something is on your credit report and it lowered your score and it is wrong, you can dispute it, you can get it removed/repaired and your score will improve. Finally, what is an inaccuracy?

Inaccuracies include:

Incorrect personal information

Someone else’s accounts listed as yours

Old collection items

Paid balances listed as unpaid

Credit inquiries you did not approve

Paid, closed accounts

Duplicate records

Even when it is obvious incorrect information is listed on your report, you still have to follow a dispute process.

For example: if you have the same name as someone else and your birth date is listed incorrectly, the wrong items could be listed on your credit report. You need to dispute each item with each credit bureau and follow up and then monitor your report so that it is removed the right way.  Give us a call and we will help you learn how you can dipute innacurate items obligation free  & scam free!