We Legally Restore Your Credit.

For over eight years, TRW has put many people back into the financial world. We have cleaned up thousands of people’s credit histories. It’s an amazing feeling to be able to finance a car or home, be approved for a credit card or even be able to apply for a job without worrying about your credit rating. With a good credit rating, you can finance items with a lower interest rate and a payment that your family can afford. The Fair Credit Reporting Act gives you the legal right to dispute items on your credit reports that may be inaccurate, out of date, incomplete or unverifiable. TRW Credit Group knows how to dispute your credit reports in a way that has produced proven results for years.

How Credit Repair Works

The three major credit reporting agencies are Equifax (CSC Credit Services), Experian and Transunion. These are multi-million dollar corporations that operate for profit. They are not affiliated with the government in any way. They make their money by selling your personal information to creditors for credit and insurance offers. They also sell your information to employers and landlords but worst of all, they sell your private personal information to telemarketers and mailing list companies without your permission. The point we are trying to make is that these big corporations do not have your best interest in mind. They will admit that errors exist on credit bureaus, but they go on to state that it is not their job to ensure the information is accurate. It is up to you, the consumer, to prove that your report is inaccurate.

WHAT WE DO
The Federal Trade Commission and Consumer Credit Protection Act have enacted hundreds of regulations that credit reporting companies, collection agencies and credit bureaus must comply with in order for any reported item to remain on your report. When TRW Credit Group receives your file, a skilled credit analyst reviews your reports to determine which items can be challenged and the best way to dispute them to help improve your credit profile. TRW Credit Group then challenges derogatory items with a letter demanding the reporting company prove that they are in compliance with the laws and regulations and demanding that the challenged items be removed. The process is repeated with each of the three major credit reporting agencies.

Within 35 to 45 days after disputing, the credit bureaus respond with a summary that shows the results of each challenge made. Our overall average success rate in removing unverifiable derogatory items is 85% to 95%. Best of all, the items that tend to be removed first are those that are the most harmful to your report, such as bankruptcies, tax liens, judgments, charge-offs, repossessions and student loans. While the full process takes an average of four to six months in most cases, many clients see enough improvement in their score to allow them to qualify for a mortgage or low interest car loan in as little as 45 to 90 days.

HOW WILL I RECEIVE THE CREDIT REPORTS?
The credit bureaus will mail your credit reports to your mailing address, and you must forward them to us. The only way that we will be able to dispute the credit reports is if you send them to us. We ask that you follow the instructions that you will receive from us and mail, email or fax all correspondence from the credit reporting agencies to our office as soon as you have received them.

THE DETAILS
The Credit Repair Service we provide utilizes a state-of-the-art computer technology so that we may keep up with your progress better than any other credit repair service. We developed a tracking system that will not allow anything to “slip through the cracks.” You can rely on our extensive knowledge of the Fair Credit Reporting Act and the Fair Debt Collections Practice Act, along with our many years of experience and time proven letter writing, forms and Lawful Notices. Our service can remove inaccurate negative, unverifiable and incomplete information from your credit reports with all three major credit reporting agencies. This includes removing:

We realize how that sounds, but it’s true! We have had great success helping people with every kind of credit problem. After utilizing our service, many clients have been able to buy a new home, a new car, adopt a baby or just meet the credit needs of their family.

Our Credit Repair Service has helped thousands of people restore their credit and raise their Beacon Score. There are companies out there that guarantee results, but they do not care about you or your credit situation. If you don’t send your reports back to them, they don’t care because they already have your money. We stay in contact with you to make sure you are sending your credit reports to us so we can continue disputing the information. We charge a one-time fee of $699 for our complete service. We also have payment plans available.  There are no ongoing fees and we will refund your money if we don’t improve your credit profile!!!  Call us today at 806-622-9322 or email us at integrity1team@yahoo.com