How Do We Restore Bad Credit?

Our services are targeted to deleting and updating those items on your credit report that are lowering your valuable credit score. Even clients who have reasonably good credit will profit from a higher FICO score. The three major credit bureaus, Equifax, Experian and TransUnion are required to follow accurate, timely and verifiable procedures before they can legally place information on your credit report. Our staff of experts through the established, successful process of formally challenging these reports with legal disputation filings will give the bureaus no choice but to remove the inaccurate, obsolete and unverifiable information on your report. Studies show that 79% of all credit reports contain at least one error. Our dispute letters are designed to communicate your disputes to your creditors in such a way that they will be accepted and investigated; expanded services are available such as goodwill intervention, escalated investigations and formal arbitration on a personal need basis. We maintain an 88% success rate in removing common concerns such as lates, collections, and judgments. Typically, our clients see an increase of up to 150 FICO points in 90 days or less.

Is Credit Repair Legal?

>Credit repair is legal although the credit bureaus would like you to think otherwise. There is absolutely nothing unlawful about disputing and challenging questionable items on your credit report. In fact, it is your constitutional right by law to do so; credit repair is as legal as pleading “not guilty” in a court of law. We offer consumer protection services using some or all of the following statutes: Federal Fair Billing Credit Act, Truth in Lending Act, and the Fair Debt Collection Practices Act; we will advocate for your consumer rights.

Will Paying All Your Old Bills Restore Your Credit?

Many clients assume that simply becoming current on bills somehow wipes away all the negativity of the past seven years. While it is certainly a step in the right direction, it does not remove it from your credit report. Rather, it is updated as a Paid Collection or Paid Charge-off, etc. Our experience is that allowing our processing center the opportunity to have it removed completely is a far better option.

Can You Restore Your Own Credit?

Yes, you have the legal right to work out your credit disputes with the credit agencies and credit grantors yourself. It is much like your right as a citizen to represent yourself in court. If you have the time, energy and resources to effectively present your arguments, it is an option. Many, however, find it a frustrating and challenging process, most often resulting in an invalid claim from the creditors. Interestingly, federal law also gives the credit bureaus the latitude to ignore your requests under a variety of circumstances. The systematic approach of our highly trained staff powered by years of experience ensures a higher level of success.

Is Success Guaranteed?

By law, no one can guarantee you a specific result in terms of points. We can guarantee that you will see deletions and updates from the three major credit bureaus which will impact your credit score, and we certainly can guarantee that you will be 100% satisfied with our service! A lot of your success depends on you; will you be able to stay current on your obligations during this 90 day period, can you refrain from shopping for new loans, opening new accounts and making excessive inquiries? Our job is to help you restore the bad credit from previous situations; your job is to secure a brighter financial future by using good judgment in current situations.

Why Us?

We at Projected Credit are committed to superior customer service in assisting our clients realize a promising financial future through restoring bad and outdated credit. Our enrollment fees are affordable and convenient with no ongoing monthly commitment. We deliver results in less than 90 days; you, our clients, are involved in every step of the process. Upon completion, our established trade-lines can provide you with access to reputable companies offering mortgage and auto loans, unsecured credit and bank account set-ups at new preferred rates as you take steps toward building a new financial lifestyle. In today’s business world, a higher credit score leverages your earning power. We value ethics and integrity as evidenced by no negative filings with the Better Business Bureau; quite simply, we are the best in the business of referral-based credit restoration assistance.