Credit Repair Professionals of Kansas City
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An estimated 79% of credit reports contain errors that can have significant impacts on credit scores for American citizens. We use a fundamental understanding of the law to help correct these mistakes, so you can leave the past behind and start living the life you deserve. Fresh Start Credit Pros is the number one credit repair service in Kansas City, with a team of experts available at all times to assist customers with their credit repair needs.
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What is a credit repair company?
A credit repair company is a team of professionals that assists customers in understanding and repairing their credit. This is accomplished by analyzing a customer's credit report, and disputing any discrepancies or inaccuracies with credit bureaus and creditors from which they have borrowed money. Credit repair companies are equipped with the experience and legal knowledge to tackle credit issues head on, lifting the confusing and frustrating burden of dealing with credit score issues off of customer's shoulders.
Our expertise makes the credit repair process very simple for customers because we know exactly what to look for, and how to approach the process of contesting credit discrepancies that ultimately can be holding you back. We understand what clients are legally entitled to request from creditors and credit bureaus that often times they are unaware of, making the process of repairing credit simple and stress free.
Our expertise makes the credit repair process very simple for customers because we know exactly what to look for, and how to approach the process of contesting credit discrepancies that ultimately can be holding you back. We understand what clients are legally entitled to request from creditors and credit bureaus that often times they are unaware of, making the process of repairing credit simple and stress free.
816-399-2232
How much does credit repair cost?
It is best to speak to one of our representatives to determine the costs associated with the credit repair process, however it is important to note that in most cases, the savings in interest alone can significantly outweigh the costs of credit repair services. Our mission is to provide timely and effective strategies to dispute inaccuracies on your credit report at an unbeatable price, saving our customers hours of valuable time that is required to contact credit agencies and dispute open accounts. The credit repair process can often take anywhere from a few months to a year, which often leaves our clients feeling stressed and discouraged. We understand that our customers have responsibilities to their families, jobs, and lives to focus on, which is why our representatives are available around the clock to assist in lifting the burden so that our clients can tend to the more important matters in their lives.
How We repair Your Credit
This streamlined process is efficient, affordable and effective in helping our clients dramatically improve their credit scores and with it, their quality of life.
risk free AssessmentA customized strategy will be developed by your dedicated Account Manager tailored specifically to your needs.
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DisputeWe go to the distance to defend your case and clear credit discrepancies to achieve the best possible outcome.
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Learn MoreCall today or inquire online to learn about your options. If we can't help you, we will tell you honestly.
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Compare for yourself
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3 separate credit reports
Most credit repair services will begin by requesting a copy of your credit report from the 3 major consumer credit report bureaus: Equifax, Experian and TransUnion. This can cost the client money and also impact their credit score as in inquiry. Credit Consultation A licensed credit analyst will help you review your credit report for discrepancies that are actively impacting the overall health of your credit score in a negative way. Honest Pricing Many companies have been known to charge auditing fees, "discovery" fees, or even cancellation fees that can drive the monthly cost of credit repair service up. |
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Cancel Anytime!
Can credit repair companies really fix your credit?
Credit repair businesses offer to help consumers improve their credit scores in return for a fee. Here's what a credit repair business can, and can not, do for you.
Understanding Credit Repair
Consumers' credit scores are based on lots of variables, including whether they pay their invoices on a timely basis. Missing payments may harm their credit score and, in turn, make it harder for them to acquire other credit, like a mortgage or auto loan, later on down the road. A poor credit score may also mean having to pay higher insurance rates and make it more difficult to acquire a new job or rent an apartment. Credit ratings are calculated based on the data in the customer's credit report, and sometimes that data is inaccurate. That can happen when creditors report incorrect information to the credit agency or if an identity thief takes out credit in the customer's name.
Credit repair is the process of trying to fix those problems. In case the information is accurate, there's not much that anybody --even a specialist credit repair company--can do to alter it. Typically, it will remain on the credit report for as many as seven years, and then it will disappear. But if any of the information in a credit report is wrong, the consumer has the right to dispute it. They can do it by themselves or pay someone else to help. Bear in mind that there is nothing a credit repair company can do to you that you could not do by yourself. But you could think about hiring one if you feel overwhelmed by the process or just don't want to dedicate your time to it.
How Credit Repair Works
The first step in repairing your credit is to get your credit reports and check them for accuracy. By law, you are entitled to a free credit report every 12 months from each of the 3 major national credit bureaus -- Equifax, Experian, and TransUnion. The official website for obtaining your free credit reports is AnnualCreditReport.com. Note that the data in your credit reports may differ from agency to bureau. That's because a few of your creditors may report to one of them but not to the others. Once you have your credit reports in hand (or on screen) review them for mistakes. Should they report overdue payments, check your records to see whether that's accurate or not. Check, too, for any reports you don't understand. That might be an indication that someone else has opened an account in your name. If you happen to discover errors, the Federal Trade Commission (FTC) summarizes a dispute process you can follow.
The FTC first proposes writing to the credit bureau (or agencies ) in query. Explain which information you are disputing and attach photocopies of any documents that support your case. You might also contact individual lenders directly to contest any information that they supplied to the credit agency. The law demands that the credit agency investigate your claim within 30 days, unless it considers it frivolous. The agency must also offer your letter and supporting documents to the lender that delivered the disputed information. The lender is required to investigate your claim and report back to the credit bureau. After the investigation is finished, the credit agency must report the results to you in writing. If the bureau decides in your favor, then the original creditor must notify all of the credit bureaus it supplied the erroneous information to so that they can fix their files. If the decision goes against you, you still have the right to supply a written explanation that'll be added to a credit report. Much of the process can be completed online, and all three of the significant credit reporting agencies provide instructions as well as the applicable forms on their websites.
Credit repair companies can steer you through the process outlined above, and many also offer additional services, such as credit tracking. When a credit repair firm says it can remove any negative information in your credit report, consider that a sign you are dealing with a scam.
How to Avoid Credit Repair Scams
While legitimate credit repair companies can do exactly what they promise, the area is rife with scam artists. The Consumer Financial Protection Bureau provides some warning signs to watch out for, like if the firm states: 3 Promises to eliminate all negative information from the credit report. Remember, no one can acquire precise info deleted from your credit file, so if an organization claims to be able to, that's a major red flag. If the company suggests you dispute accurate information, that is a major red flag as well. If any credit repair company pressures you to pay upfront, this is a sign of a scam.
A legitimate credit repair company will not request money before it has done anything. Note that if you do sign up with a credit repair company, you have the right to cancel at no charge, typically within three days. Kansas City Credit Repair Service can see that incorrect information is removed from your credit reports so that it does not harm your credit score. However, they can not do anything to you that you couldn't do for yourself. The question is whether you're prepared to spend time and energy disputing items on your credit history. Eliminate the stress, and allow our team of professionals to help you remove the harmful blemishes on your credit history, so you can begin to live a more financially stress free life.
Understanding Credit Repair
Consumers' credit scores are based on lots of variables, including whether they pay their invoices on a timely basis. Missing payments may harm their credit score and, in turn, make it harder for them to acquire other credit, like a mortgage or auto loan, later on down the road. A poor credit score may also mean having to pay higher insurance rates and make it more difficult to acquire a new job or rent an apartment. Credit ratings are calculated based on the data in the customer's credit report, and sometimes that data is inaccurate. That can happen when creditors report incorrect information to the credit agency or if an identity thief takes out credit in the customer's name.
Credit repair is the process of trying to fix those problems. In case the information is accurate, there's not much that anybody --even a specialist credit repair company--can do to alter it. Typically, it will remain on the credit report for as many as seven years, and then it will disappear. But if any of the information in a credit report is wrong, the consumer has the right to dispute it. They can do it by themselves or pay someone else to help. Bear in mind that there is nothing a credit repair company can do to you that you could not do by yourself. But you could think about hiring one if you feel overwhelmed by the process or just don't want to dedicate your time to it.
How Credit Repair Works
The first step in repairing your credit is to get your credit reports and check them for accuracy. By law, you are entitled to a free credit report every 12 months from each of the 3 major national credit bureaus -- Equifax, Experian, and TransUnion. The official website for obtaining your free credit reports is AnnualCreditReport.com. Note that the data in your credit reports may differ from agency to bureau. That's because a few of your creditors may report to one of them but not to the others. Once you have your credit reports in hand (or on screen) review them for mistakes. Should they report overdue payments, check your records to see whether that's accurate or not. Check, too, for any reports you don't understand. That might be an indication that someone else has opened an account in your name. If you happen to discover errors, the Federal Trade Commission (FTC) summarizes a dispute process you can follow.
The FTC first proposes writing to the credit bureau (or agencies ) in query. Explain which information you are disputing and attach photocopies of any documents that support your case. You might also contact individual lenders directly to contest any information that they supplied to the credit agency. The law demands that the credit agency investigate your claim within 30 days, unless it considers it frivolous. The agency must also offer your letter and supporting documents to the lender that delivered the disputed information. The lender is required to investigate your claim and report back to the credit bureau. After the investigation is finished, the credit agency must report the results to you in writing. If the bureau decides in your favor, then the original creditor must notify all of the credit bureaus it supplied the erroneous information to so that they can fix their files. If the decision goes against you, you still have the right to supply a written explanation that'll be added to a credit report. Much of the process can be completed online, and all three of the significant credit reporting agencies provide instructions as well as the applicable forms on their websites.
Credit repair companies can steer you through the process outlined above, and many also offer additional services, such as credit tracking. When a credit repair firm says it can remove any negative information in your credit report, consider that a sign you are dealing with a scam.
How to Avoid Credit Repair Scams
While legitimate credit repair companies can do exactly what they promise, the area is rife with scam artists. The Consumer Financial Protection Bureau provides some warning signs to watch out for, like if the firm states: 3 Promises to eliminate all negative information from the credit report. Remember, no one can acquire precise info deleted from your credit file, so if an organization claims to be able to, that's a major red flag. If the company suggests you dispute accurate information, that is a major red flag as well. If any credit repair company pressures you to pay upfront, this is a sign of a scam.
A legitimate credit repair company will not request money before it has done anything. Note that if you do sign up with a credit repair company, you have the right to cancel at no charge, typically within three days. Kansas City Credit Repair Service can see that incorrect information is removed from your credit reports so that it does not harm your credit score. However, they can not do anything to you that you couldn't do for yourself. The question is whether you're prepared to spend time and energy disputing items on your credit history. Eliminate the stress, and allow our team of professionals to help you remove the harmful blemishes on your credit history, so you can begin to live a more financially stress free life.