You’re entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies, TransUnion, Equifax, and Experian. Order online from annualcreditreport.com, the only authorized website for free credit reports, or call 1-877-322-8228.

1. Build your credit file.
2. Make timely  payments.
3. Pay down on revolving account balances such as credit cards.
4. Limit applying for new accounts.

If you’re having a hard time figuring it all out on your own, get professional help.

Unfortunately, there is no quick way to “repair” or “fix” your credit. For the average consumer, it takes 3-6 months to resolve all of the disputes. The length of time it takes to rebuild your credit history depends on how serious your credit issues were and how your credit history was affected. It could take just a few months, or it could require several years of commitment. In either case, there are steps you can start taking right away to help get your credit back on track.

You will receive a FULL refund if within 120 days from the start date of our program:

• There are no deletions.
• There were no derogatory accounts inserted to your profile during our dispute period.
• You updated us with communication received from credit bureaus/ furnishers on a timely basis (5 days).
• Credit monitoring remained active during disputing period.
• Credit repair services, were not rendered, either by you or another entity, on
your behalf within 6 months of start date with ExaltaCap or during disputing period with our company.

With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.

Our team will guide you through the entire process from start to finish and prepare all your documents for you. Our team is knowledgable and certified to assist any client and their needs. We have experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and federal and state regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report. You will have a dedicated team of experts behind you every step of the way.

NO, Items on individuals credit report may in fact be accurate although we are disputing the reporting of the item which ultimately helps us remove negative items.

Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70-80% of the negative items from a credit report.