Credit Management Services

We recommend credit management consultant services to a diverse range of clients in various industries. Here are the companies are listed below. Helping you put the pieces together.

The Fair Credit Reporting Act (FCRA)

Below is a summary of the FCRA. The full Act can be obtained directly from the Federal Trade Commission's web site here. Fair Credit Reporting Act (Summary) Public Law 91-508 The Fair Credit Reporting Act (FCRA) allows a consumer to challenge the information on his credit report on the basis of "completeness and accuracy." If, after a reinvestigation by the credit bureau, the disputed information "is found to be inaccurate or can no longer be verified, the [credit bureau] shall promptly delete such information." The credit bureaus are required to complete the investigation within a "reasonable period of time." This period has been set at thirty days. The credit bureaus can ignore the consumer dispute if they have reason to believe that the dispute is "frivolous or irrelevant." The FTC commentary on the FCRA cites, as an example of a frivolous dispute, a dispute wherein the consumer challenges all negative items on his credit report without providing any allegations regarding specific items in the credit file. However, "A [credit bureau] must assume a consumer's dispute is bona fide, unless there is clear and convincing evidence to the contrary."

When a consumer challenges a negative credit listing on the basis of extenuating circumstances, such as health problems, divorce, job loss, etc., the credit bureaus are entitled to ignore that dispute. When a consumer submits a dispute which is neither frivolous nor irrelevant by credit bureau standards, the credit bureau must "at a minimum... check with the original sources or other reliable sources of the disputed information and inform them of the nature of the consumer's dispute." In some cases of consumer dispute, "Re-investigation and verification may require more than asking the original source of the disputed information the same question and receiving the same answer." In other words, when a consumer files or re-files a valid dispute, the credit bureaus must contact the source of the credit information (the creditor) and confirm that the information is accurate, verifiable, and not obsolete.

In some circumstances, the credit bureau is required to go beyond a simple verification of the creditor's own computer record. If, within 30 days, the credit bureau has not received verification from the creditor, then the credit bureau must promptly delete the credit listing. In theory and law, the process is deceptively simple, thus leading many people to think that they can easily handle this themselves "for the price of a few postage stamps." Most quickly discover that the credit bureaus have made it much more difficult than one would imagine. For help in this, we recommend using Lexington Law a professional credit report repair company.

Get Started

Get started as a Member to start revitalizing your credit. It’s fast, painless and we handle it all for you!

Get Revitalized

The Credit Revitalize process is robust and the most efficient in the industry. Almost all our clients see items deleted from their credit report in the first 30 days!

Once the Credit Revitalize process has run its course, you will be in a much stronger position to acquire the new home, car, or credit cards you need.

 24.7 %

The average deletions our 
clients see within their first
month of service. That’s 3X
the industry average.

 

Get Your Credit Score at Experian.com

    Personal Credit Managment

  • Your Credit Made Easy

 

Your dashboard gives you an easy-to-read credit summary with quick access to 

your updated credit report, latest FICO® credit score and recent credit alerts.

 

  • 24/7 Access
 

Your credit report can change daily as creditors and lenders report new information about you. See the same type of information lenders see with 

unlimited access to your credit.

 

Business Credit

For business credit strategies, they offer significant credit monitoring and consulting expertise to their clients.

 

  Personal Credit Repair

 

  •   Credit Repair works to ensure that your credit scores and credit reports are in your own hands.  

 

  • By law, information reported about you to credit bureaus must be fair, accurate, relevant, substantiated and verifiable.

 

  • Through our simple but powerful 3-step process, we help to ensure that credit companies can't abuse these standards.

 

 

 

   Business and Personal Credit

 

  • Credit scores, reports, real-time alerts, and identity protection!

 

  • A good personal and business credit score improves your personal or business  interest rates, loan terms, credit offers, and insurance premiums. 

 

  • Know your score and get peace of mind today! 

 

Completely Free Credit Score

 Free Credit Scores & Reports

 

  • Update your scores and reports as often as once a week.
  • See highlights of important information from your credit reports.
  • Understand the factors that may be impacting your scores.

 

Automatic Credit Alerts

 

  • Receive free TransUnion credit monitoring.
  • Get email alerts about important changes to your credit report.
  • Track new credit activity to spot potential errors or ID theft.

Crisis Management

There are risks involved in life and business. Well LifeLock provides you with extensive identity theft protection, safeguard your finances, credit and good name from any crisis, large or small.

Experian.com
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Where to Find Us:

Paramount Business Information Multiplex

 

Email: info@paramountbusiness

info.com

 

Phone: (484) 440-9485

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