Top Rated Credit Repair in Honolulu Hawaii

We Fix Credit Score

We Are Here to Help Repair Your Credit

Looking for Top Rated Credit Repair Honolulu Hawaii? We Get Results for you! Best Credit Repair Honolulu Hawaii Changes Made Within 60 Days. Fast Credit Repair Honolulu, HI. Repair Credit America is made to Repair your Credit Fast & Easy – Our system is designed to help fix the errors on your credit report and raise your scores. Bad credit doesn’t have to follow you forever! We are here and ready to help. 

Clean up the errors on your credit report. Raise your scores. Our program makes it simple. If you are ready to take action, we are ready to help!

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    Credit Repair Doesn’t Have to Be Difficult!

    Our system is designed to make it easy for you to achieve your credit goals. We have the best solution to increase your credit score and file disputes with the credit bureaus and we are always here to answer any questions you may have

    Credit Repair Doesn’t Have to Be Difficult! We Make It Easy for You

    Frequently asked questions regarding credit repair:

    ARE THERE FEES ASSOCIATED WITH THIS?

    The fees charged are among the cheapest in the industry and you can rest assured knowing that we will not bind you to a long term contract. We understand that everyone will not need our services for the same length of time. This process typically takes from six months in a best case scenario to three years. Our credit counselors will walk you through the process and talk to you about your options.

    WHAT DOES A CREDIT REPAIR COMPANY DO?

    We specialize in finding and disputing mistakes on your credit report. It is extremely common that there are errors on credit reports. These errors can lower your credit score and be costly to you. These errors may not be easy to spot, especially if you are unfamiliar with credit reports. That is where we come in to help. Obviously, you are here because something has happened that you are unsure of or want corrected and improved. It is our job to assist, educate, dispute, and help guide you through the process of rebuilding your credit. We understand that this happens to people regardless of who they are as a person and it is our intention to treat every client as an individual with specific needs regarding their credit.

    HOW CAN CREDIT REPORT INACCURACIES BE COSTLY TO ME?

    Credit matters when applying for everything from car insurance to home or auto loans. If your credit contains derogatory information then you will be charged more for your interest rate thus possibly costing you thousands of dollars in the long term. Your credit score is part of what determines if lenders and credit card companies will lend you money and at what interest rate you will be charged.

    While other factors are included in the decision, your credit score is one of the key components. Erroneous reports of late payments or non-payment matter. Adverse items remaining on your credit report beyond when allowed is another. These items range in scope and have different impacts depending on many factors.

    CAN I HAVE NEGATIVE INFORMATION SUCH AS LATE PAYMENTS AND CHARGE OFFS REMOVED?

    We will work tirelessly to remove all inaccurate information contained in your credit report. Some things cannot be removed and our credit professionals are up front about what is and isn’t possible. If it is accurately reported, the record cannot be changed. The information has to be verified as inaccurate before it can be removed.

    Credit bureaus are very specific on what can be removed. Helping you determine a plan in those instances where the information is correct but negative is another service we offer. This is part of the proactive plan that we provide our clients. It is our goal to empower you to make the changes necessary so that your credit will continue to improve long after you have repaired your credit with us.

    HOW LONG WILL IT TAKE TO REPAIR MY CREDIT SCORE?

    Credit repair depends on a few different factors and generally takes from six months to three years. This process is different for everyone and every client is treated as an individual. Your needs are important to us. We understand this process and the situation that good people sometimes find themselves in because our founders were in the same situation themselves.

    They worked diligently to repair the damage of identity theft and have worked in the financial services industry for decades. Rest assured that we take our work seriously and we will be there to guide you as well as our work and effort behind the scenes on your behalf.

    WHAT DO I HAVE TO DO?

    We believe in a proactive approach including the client and educating them about their credit and how to make the changes that will lead them to a better credit future. Our team of credit experts will work with you and explain everything to you.

    We will need you to provide some information and any evidence that will help us to dispute the inaccurate information contained in your credit report. We handle the dispute and follow ups from there. All of this process will be explained to you and we will be there to help guide you every step of the way.

    Steps to credit repair success!

    FREE CREDIT EVALUATION AND CONSULTATION

    Check your credit reports:

    The first thing anyone looking to improve their credit score should do is review their credit reports. Everything begins and ends here and without the information they contain fixing anything would be difficult if not impossible. The good news? All of this information is offered for free once per year! All you have to do is contact Experian, Equifax, and TransUnion.

    You can also use online services like Credit Karma to check your reports. Remember to check all three because the information contained in them may differ between companies.

    We will assess with you the details of your credit history, both positive and negative items that we find, and we will make recommendations about how to fine tune your credit report. We will also recommend techniques that will help you with this process. There is no obligation. You will not be billed until you decide to move forward with our service.

    Dispute negative marks:

    This is by far the most important thing you can do to improve your credit score. Companies like Repair Credit America and others take care of this on your behalf and target the marks that have the biggest impact first. Those include collection accounts and judgements.

    These companies may use an approach involving multiple disputes or types of dispute to try to remove these items from your credit. The best thing to do is be vigilant about disputing both online and via regular mail. If you don’t feel confident enough to do this on your own companies like Repair Credit America can take care of this for you.

    Once you’ve signed up, our team of professionals will provide you monthly updates and credit profile analysis to help you understand what is happening with your credit. They will also make recommendations for things you should be doing to help build your positive credit history.

    CALL NOW: 855-212-7205
    WE’RE ALL ON THE SAME TEAM
    UNDERSTANDING YOUR CREDIT, WE’RE HERE TO HELP

    Dispute incorrect late payments:

    Payment history is a large part of the credit score formula but mistakes can and do happen.

    Reviewing and verifying that your payment history is correct is a vital part of a healthy credit lifestyle.

    If you find information that is incorrect then disputing it is a must. You can also ask nicely for a late payment to be removed if you can show that the circumstances were out of your control or even if it was something that you forgot about. It would then be up to the creditor’s discretion to remove it but this can be an effe

    We will help show you how to build a more balanced credit report. You need positive credit history as well as removing the negative items that are damaging your credit. We will work with you every step of the way to help ensure your success.

    Increase your credit limits:

    Credit card utilization can affect your credit score in a big way. The general rule is to keep the utilization or balances below 50 percent. If you are carrying balances at 50 percent or more then asking for an increased credit limit will immediately improve the ratio. You may want to consider moving some of the balance between more than one card to achieve this as well but remember that this is not a panacea, it just helps to offset the impact to your credit score. Nothing will help more than keeping those payments up to date. If you do happen to fall behind then speaking with creditors can and does help. Communication is vital in these situations.

    Also, opening another account will help to decrease the credit utilization as well so bear this in mind when factoring your utilization.

    Once you’ve signed up, our team of professionals will provide you monthly updates and credit profile analysis to help you understand what is happening with your credit. They will also make recommendations for things you should be doing to help build your positive credit history.

    CALL NOW: 855-212-7205
    WE’RE ALL ON THE SAME TEAM
    UNDERSTANDING YOUR CREDIT, WE’RE HERE TO HELP

    Pay down account balances:

    This is maybe not what you want to hear but paying down the balances on existing accounts therefore decreasing the percentage of credit used is one of the quickest ways to improve your score. Breaking open the piggy bank and finding the extra to put toward these balances is a very smart credit move that can make a quick and significant impact on your credit score. Many great websites offer help with setting up budgets and other creative ways such as garage sales, etc. to help increase cash flow.

    Age of credit and interest rate are two of the largest factors that impact credit so when paying off outstanding balances you should prioritize the newest and highest interest rate accounts first to make the biggest change to your credit score.

    We will help show you how to build a more balanced credit report. You need positive credit history as well as removing the negative items that are damaging your credit. We will work with you every step of the way to help ensure your success.

    Pay every bill on time:

    Of course this is the easiest and best way to keep your credit score in good shape but we all know that life happens and sometimes we are unable to meet these demands. As stated earlier, communication is key and talking with creditors can help if you find yourself in this situation.

    Mortgage lenders and credit card companies will always report a late payment but a utility or phone company may not so you should prioritize the bills that will definitely impact your credit score the most. The easiest way to tell is to look at your accounts section on your credit report to see which companies report regularly and pay them first.

    Once you’ve signed up, our team of professionals will provide you monthly updates and credit profile analysis to help you understand what is happening with your credit. They will also make recommendations for things you should be doing to help build your positive credit history.

    CALL NOW: 855-212-7205
    WE’RE ALL ON THE SAME TEAM
    UNDERSTANDING YOUR CREDIT, WE’RE HERE TO HELP

    The “trusted friend” approach:

    If you know someone with great credit and you trust them then you could ask them to add you as an authorized user on one or more of their accounts. Their payment history and available credit will then be a factor in your credit score but remember this applies also if they make a late payment or miss one.

    We will help show you how to build a more balanced credit report. You need positive credit history as well as removing the negative items that are damaging your credit. We will work with you every step of the way to help ensure your success.

    Age of credit:

    Age of credit has an impact on credit as well. If you close an older account then it will impact your credit especially in the short term. If you must close an account, choosing the newest will have the least impact on your credit score.

    Having and keeping a good credit score can be confusing but it doesn’t have to be difficult. Following the steps listed above and staying vigilant about checking your credit are some of the best things you can do to ensure your credit history remains clean and without blemish.

    Once you’ve signed up, our team of professionals will provide you monthly updates and credit profile analysis to help you understand what is happening with your credit. They will also make recommendations for things you should be doing to help build your positive credit history.

    CALL NOW: 855-212-7205
    WE’RE ALL ON THE SAME TEAM

    HOW IT WORKS

    Credit repair works in cycles. Each cycle consists of a few basic steps:

    We go over your credit history with you

    We go over your credit history with you and do a full analysis. We challenge the disparaging items on your credit report that you disagree with and get you started on a plan to restore your good credit history.

    The items we have disputed or challenged are investigated by the credit bureaus

    The items we have disputed or challenged are investigated by the credit bureaus and any inaccurate information must be removed. You will be empowered to accelerate this through the proactive plan to boost your credit score that we will help guide you to implement.

    Together we help monitor your credit with you as the credit bureaus release new credit reports

    Together we help monitor your credit with you as the credit bureaus release new credit reports to reflect the changes made each cycle. New challenges are made and the cycle repeats while good credit is being built on your end through careful planning and proven techniques.

    REPAIR CREDIT AMERICA

    Rebuild your credit and financial future.