CREDIT REPAIR

FLORIDA CREDIT REPAIR

Horta’s & Associates Group. is a Florida based credit Repair Company that helps people from all financial backgrounds improve credit scores by disputing inaccurate information on your credit report.

Our credit repair experts have many years of experience in improving credit scores. Our credit report repair process is aproven method for cleaning and removing inaccurate information such as late car payments, collection accounts, and late mortgage payments even, extreme cases such as foreclosure.

Contact one of our Folorida credit repair experts to learn how you too can experience the benefits of our proven credit repair services.

Why credit report repair?

The law gives you the right to dispute any credit listing on your credit reports that you feel may be inaccurate, untimely, misleading, biased, incomplete or unverifiable also known as questionable items on your credit report. If a credit bureau such as Equifax, Trans Union or Experian can’t verify the accuracy of a disputed item, then that item must be removed from your credit report.
The Fair Credit Reporting Act (FCRA) gives you the right to accurate credit reporting. Exercise that right by having your questionable credit listings either verified as accurate or removed from your credit reports according to the law.

OUR SERVICES

Making credit repair easy and effective for our clients is our priority. We make the process easy and effective for our clients. Our services have proven so effective that participating clients have seen rapid jumps in their credit reports within months.

What Horta’s & Associates Group. can do for you?

We leverage your consumer rights and our unmatched experience to engage the credit bureaus and your individual creditors. We work on your behalf to remove questionable negative items from your credit reports. Many consumers are under the impression there is nothing that can be done to change the information on their credit reports. Thankfully, this is not true. Federal law gives you the right to assure that the information on your credit reports is accurate and correct. You are responsible for assuring that your credit reports accurately represent your behavior as a consumer.

The Fair Credit Reporting Act (FCRA) gives you the right to contact credit bureaus directly and dispute items on your credit reports. You can dispute any and all items that you feel classify as inaccurate, untimely, misleading or unverifiable (questionable items). If the bureaus cannot verify that the information on their reports is indeed correct, then those items must be deleted.

We have successfully helped remove and repair questionable credit report items including

• Late Payments
• Judgments/Liens
• Collections
• Repossessions
• Charge Offs
• Foreclosures
• Bankruptcies
• Identity Theft/Fraud
• Inquiries
• Incorrect Personal Information

Credit Repair Process

Ever since the Fair Credit Reporting Act (FCRA) made credit repair possible, abusive creditors have been working to make it complicated and difficult. Our many years of experience fighting for consumers have helped us develop a vast arsenal of tools and strategies to make credit repair easy and effective — the way it should be.

Our Simple Steps

Below is a summary of the FCRA. The full Act can be obtained directly from the Federal Trade Commission’s web site.

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 apparently feel that they 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, “Reinvestigation and verification may require more than asking the original source of the disputed information the same question and receiving the same answer.”

From our experience, most people quickly discover that the process can be troublesome and time consuming. In theory and law, the process is deceptively simple, thus leading many people to believe that they can easily handle this themselves “for the price of a few postage stamps.” From our experience, most people quickly discover that the credit bureaus often make the process troublesome and time consuming. In these cases, many seek the assistance of a credit repair company.
The simple fact is that questionable credit listings are deleted from credit reports by the thousands each and every day. The proof is very compelling: The efforts of Horta’s & Associates Group. have successfully resulted in many hundreds of questionable credit listings being deleted. As a Horta’s & Associates Group. client, you too may see for yourself that your good credit rating can be restored. Indeed, you can restore a questionable credit profile in much less time than seven years. It’s not necessarily easy or foolproof, but the right to challenge and improve your credit is yours.
There is not one type of questionable listing that cannot be removed from a credit report if it is inaccurate, untimely, or unverifiable. While negative items such as bankruptcy or unpaid debts are certainly more difficult to remove from the credit report, this has more to do with the operational systems of the credit bureaus than with the severity of the bad credit item. For example, judgments and tax liens are severely negative listings yet if inaccurately reported they can be removed. As a Horta’s & Associates Group. client, you too may see for yourself that your good credit rating can be restored. Indeed, you can restore a questionable credit profile in much less time than seven years. It’s not necessarily easy or foolproof, but the right to challenge and improve your credit is yours.